vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I considered opening a CD with USAA ; as I was going through the process I started getting presented with numerous consent forms. I became uncomfortable with what I was being " required '' to consent to so I decided to cancel the process. None of the consent forms appeared to provide an option to cancel so I navigated back to my account summary page. When it loaded, I noticed USAA had already withdrawn the funds for the CD from my account. I immediately contacted USAA customer service and explained the situation. I was told I needed to call back in seven days because my funds were locked and there was nothing that could be done. The following day I received a notice from USAA that I needed to sign additional forms and return them, and until I do so, any interest on my account would be directed to the IRS. This is directly from the noticed I received : " Your new Certificate of Deposit, or CD, account has been placed in backup withholding until we receive a signed Tax Certification W-9 Form. When placed in backup withholding, the IRS requires us to send them the applicable percentage of interest, rewards and incentives earned on all your accounts. '' A CD account should not be created, nor funds transferred from a customer account until all required forms have been received. Receiving an email stating I needed to submit forms indicated I didn't complete the process and the funds should have never been transferred. 

Today, XX/XX/2023, I contacted USAA as instructed to request the funds be returned. I again explained the situation and was told that the " agreement '' to open the account had already been signed and submitted so there was nothing they could do without me paying penalties to transfer the funds back. I was told to do so would violate Federal law. I explained that I had been presented with a series of consent agreements which I didn't complete so the funds should have never been transferred until I agreed to all consent forms. I was told that once I navigated into the series of consent agreements, I had already " agreed '' to open the CD account, despite not consenting to all of the agreements. The workflow process of the website is very deceptive and misleads the customer because funds should have never been transferred until all consent agreements have been agreed to by the customer. It seems as though the website workflow process has been intentionally designed to commit customer funds in a misleading manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I have sent numerous emails and phone calls on the following dates. 
XXXX, XXXX I have been calling and contacting them because I set up my account to pay for an international symposium and school visitation. 
I used the company I was informed to use WISE. They let me set up an account, I then transferred the money and they withdrew it from my bank account on XXXX. Then I was notified that they deactivated my account.No reason and no excuses why because no one can offer that answer. I have been emailing, calling and trying to get my money back since then. I have been unsuccessful in trying to collect back {$3200.00}. 
It is stated on their website that it can take 5 days. However, after speaking with them they informed me that they would return the money to my account within 10 days. Then it switched to 20 days. Then I am being told it can take sometimes longer. It has been 14 business days and 20 calendar days since they have withdrawn my money from my account. 
I have been trying to find out the status and they simply state that they have no answers because customer service can only see that it is closed and i have to send and email and wait. 
No one can give answers as to when I can receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN is continuously reporting inadequate addresses I have never lived at and or not my current address that isnt accessible to me. My 1st complaint was submitted to the CFPD on XX/XX/2023 report # XXXX which Experian removed of all aliases and misspelling of my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EdXXXX There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EdXXXX There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
-I filed a PSLF certification in early XXXX with XXXX XXXX. That certification was completely ignored and my loans transferred to MOHELA. 
-I re-filed the same form ( " first form '' ), plus an updated form from my current employer ( " second form '' ) on XX/XX/XXXX. I was informed that the process would take up to 90 business days to process. 
-On XX/XX/XXXX, my forms were " processed '', per the MOHELA website and a letter was to be sent. I never received a letter. 
-I called on XX/XX/XXXX and the customer service representative could not offer a reason why, despite being " processed '' my account had not been updated and no letter had been sent, so she said she was going to ask them to take another look. She posited that the " second form '' may not be accepted due to the electronic signature ( which is incorrect, as the signature is the HR representative 's actual written signature, just in electronic form. ) The representative told me to call back in about a week to see if they could push things along, but she could not make a guarantee on the timeline. 
-On XX/XX/XXXX, I resubmitted the " first form '' ( now for the third time ), plus an updated form from my current employer ( " third form '' ), with a hand-written signature, just to cover my bases even though I believe the " second form '' should have been accepted. 
-On XX/XX/XXXX, I called to find out the status, and was told MOHELA XXXX completed '' the process of reviewing my application within the 90 business days of XXXX, but they are now entitled to another 90 business days for " review. '' I told them that they DID NOT complete my application review from XXXX, and that giving themselves another XXXX business days to re-review makes no sense given they didn't complete the review the first time and never updated my account or provided me with a decision on my certification forms within the original 90 days. I asked to speak to someone further. 
-They defended themselves saying they are busy and they make mistakes and told me nothing can be done. They then, without telling me what they were doing, left me on hold. 

At this point, I have well over 120 qualifying, certified months of employment and am entitled to loan forgiveness. MOHELA is intentionally delaying this process, entitling themselves to unnecessary time to " complete '' then " review '' an application ( 180 business days total to give ANY answer, not even counting the first three months the first form was lost between XXXX and MOHELA ), likely in the hopes they can profit from the end of the student loan pause for people who should have XXXX balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.XXXXXXXX XXXX {$1000.00} has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your company has been reporting this account inaccuratly has failed to remove it from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.XXXX XXXX  {$1000.00} has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your company has been reporting this account inaccuratly has failed to remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
US BANK REPRESENTATIVE DENIES FICTITIOUS LOAN SCHEME PLUS STATES MY EVIDENCE AND COMMUNICATIONS WILL BE OBSTRUCTED FROM REVIEW On Monday, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX wrote : Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear XXXX XXXX : Thank you for your inquiry directed to the Consumer Financial Protection Bureau ( CFPB ) and subsequently forwarded to U.S. Bank N.A . ( U.S. Bank ). I have been asked to address your questions or concerns on behalf of U.S. Bank and appreciate the opportunity to do so. 



Our records show we responded to your inquiries on 2 separate occasions response dated XX/XX/XXXX, and XX/XX/XXXX. Please refer to those communications, as we do not have any additional information to provide to you. Those communications clearly stated our role and identified a more appropriate contact for your inquiries. 



We disagree with your legal assertions and do not acknowledge your correspondence as satisfaction or settlement of the debt owed, nor do we acknowledge that your correspondence has any legal significance or that it forms the basis for any contract or agreement. Your account is governed by your loan documents and the Trusts governing documents. The statements contained within your correspondence in no way alter or change the nature or terms of your loan documents and your contractual obligation to repay the balance owed on the account in full is neither discharged nor forgiven. 



As the previous letters to you by U.S. Bank have provided you with the servicer contact for your issues and we have no additional information to provide to you any future correspondence by you will be forwarded directly to the servicer for a response. Accordingly, direct all future correspondence to the servicer representative assigned to this matter Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX U.S. Bank XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX, MN XXXX XXXX www.usbank.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to make a formal complaint against the credit bureau agency Experian. I have filed disputes online, in writing, and over the phone in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, but they have never been resolved they continually report my credit as inaccurate. I filed bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX, I sent Experian all the documentation showing items should be discharged. But they keep reporting incorrectly, when I called the customer service representative was rude and very unknowledgeable. Also, Experian is reporting my credit card balances wrong and they were just updated. Experian keeps reporting the negative information inaccurately and will not remove it. 

Thank you for your time,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
AAFES refused my payment from my bank card and said the only way I could pay would be to drive 375 miles, to the nearest major Army or Air Force base, and make in person payments. When I called them to try to make payments they locked me out of my account and immediately sent it to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The debt collector refused to help or hear me out on the facts. Also refused to give any contact information to anyone else whom could help me. In XX/XX/2019, I had a new contract made with my ex partner with the apartments so my credit wouldnt be affected he was given the new contract in XX/XX/2019 by the administration in apartments. I was no longer on the lease he was. Now Im being charged for a debt that isnt belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank.

Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/23 ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/23 when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC
State: LA

Complaint narrative:
XXXX XXXX is harassing 's me and my family members. 
They call me several times daily. They call my work, my family members. 
They have violated the FDCPA act as they called my Son on XXXX and told him personal information such as the amount of money that they say is owed and that i won't pay them. I called them stated that I am not aware of this debt and requested any and all contact to me should be in writing. The person that I spoke to started cursing at me stated that I don't pay my bills. Today XXXX I received a text stating what they say I owe and trying to reduce the debt by a settlement. They then proceeded to send that exact same text to my other son. So again the violated the FDCPA act. 

I have sent an email to them disputing this debt.

Company response to consumer: Closed with explanation