vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: WA

Complaint narrative:
Due to the pandemic, all payments and interest rates were suspended. The payments resumed in XX/XX/2023. However, All of my payments went to interest even if I paid on time this XX/XX/2023. Nothing to principal Mohela says that the daily interest rate caused my payment to all go to interest rate. The customer service said that the payments resumed in XXXX and that since XXXX a daily interest rate has been applied. See attached screenshot of my payment. How are we going to move forward when all of our payments even if it is on time just goes to interest?

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 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I simply have tried repeatedly, by email and customer service phone number, to cancel this card. I continue to receive monthly statements, despite asking to cancel the account and the card. I have expended it completely and the balance is XXXX. I was issued the card by XXXX XXXX in order to refund a {$210.00} overcharge they errantly made- it was their mistake in the first place! 

When I called today ( the second time ) to customer service number on the card ( XXXX XXXX ), I was asked to give personal information beyond that I gave in activation of the card XXXX XXXX, 2022. Now, one year later, I continue to receive monthly account reports via my email. I have repeatedly tried to cancel it via email, too! Each time, a message told me I had to provide information well beyond that required to activate the card in the first place, a clear violation of privacy of customers. 

To show the gall of this company in giving me the run-around, I was asked what the make and model of my automobile is in today 's call. When I refused to continue this invasive and potentially fraudulent questioning, I was told I'd have to somehow send a copy of my government issued ID to cancel the account! I hung up once it was clear the attendant - XXXX ( she refused to give her last name, despite the assumption that I have no privacy rights, since she has all my info ) and others on the call- were just trying to gain personal information. I assume they plan to use the information for purposes I have not approved and are blackmailing me to turn over undue information in some form of bait-and-switch operation. The " scraping '' of personal information for resale or even directly intimidating/influencing me is a documented problem in artificial intelligence and other scams. 

Please ask the company - XXXX XXXX patient refund card, in association with Bank of America debit Visa, to close the account and stop sending me month statements that conceivably threaten my credit rating or ability to use other credit/debit cards for my needs.

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 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I sent the following email multiple times to Venmo and they will not respond. 
Please respond to my dispute request ASAP. I don't know who the person is that used my bank debit card without my permission but they did 5 charges for Venmo. I have never used Venmo and probably never will after this. I did just now set up an account on the app because your website made it sound like I had to, to do a dispute. Your website is very confusing. I tried calling but couldn't get anyone on the phone to help me. The only reason I learned of the fraudulent charges on my bank account is because I received a fraud alert on my phone yesterday morning asking if I just did a charge for Venmo for {$10.00} and I responded NO immediately and then looked at my account and realized 4 more charges have been made on my bank account. No one else has access to my bank account and I, nore anyone else in my family uses VenmO and does not have access to my debit card. I contacted my bank and they will not intervene because you are a XXXXXXXX XXXX. My bank account is not overdrawn because of the XXXX who did these charges on my card. I want it investigated and I want the person responsible for the fraud prosecuted. I want this investigated immediately and I want the money back in my checking account immediately. It is impossible to get anyone on the phone at Venmo to help me, your chat system is not helpful and your website does not make it easy to file a dispute and is very confusing, especially at such a stressful upsetting time like this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to deposit XXXX USD at the bank ATM and after that ATM got the money. I waited a few minutes. ATM gave error and asked me to call call center. I have receipt but my account was not updated. I claimed and they said that the transaction ( s ) was processed according to the information you provided. I asked them to check camera footages but they didnt say anything. If they check cameras, they will see that i did not get any money back. ATM got my money and did not update my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1200.00} 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 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I settled with a debt collection company on a debt originally owned by XXXX XXXX. The collection company is credit collection services. I paid the amount we agreed on to obtain a closed status on my account which I have not received. I have called multiple times trying to get them to change the status of my collection to close, they say they have but after 6 months the status of the collection is not reported as closed. They refuse to report the account properly as well as allowing me to escalate the issue within their own company telling me that I could not speak to their manager .I called their recorded line on XX/XX/2023 at precisely XXXX XXXX. It will continue to negatively effect me untill the status is changed to closed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
SOmeone attempted to open a card in my name. Want to report fraud

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
On Friday, XXXX XXXX, I purchased an item on XXXX using my debit card and then had it refunded. The item amount was {$14.00}. After seeing that the purchase and refund had appeared on my checking statement online, there was an open authorization for {$14.00} still being held from my available funds. I was told that it had to stay on because of " the system, the banking system '' until Friday, XXXX XXXX. On Friday the XXXX, I was told it would drop and be noteable on Saturday. Between which I had another previous item refunded for {$15.00} making the available on Saturday, the XXXX never reflecting their putting the withheld {$14.00} back into my available balance. When I asked about, they said, the balance I was showing was accurate. This clearly did not reflect what I saw all week and brought to their attention from my careful scrutiny of my account. Let me say, I've noted other times recently when money disappeared from their bad bookkeeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: SD

Complaint narrative:
On XX/XX/XXXX I have received a notice that Wise.com is closing your account on XX/XX/XXXX on my business email XXXX. Wise.com is cancelling my account without any valid reason. My membership number with Wise is XXXX. I have not violated any terms and conditions and have been honest and upfront with all my dealings and communications with Wise. This closure is unfair and arbitrary hence I request for reactivation of the account. I have been cooperative and honest throughout and provided all the documents you have requested or answers to the questions you have asked. I don't deserve this unfair treatment of account closure. On Friday, XX/XX/XXXX. I have made a deposit from my own XXXX XXXX Account into my Wise.com account. They have paused the payment for without any valid reason and have asked questions regarding the nature of transaction. I have promptly replied to them with all the questions they asked by XX/XX/XXXX and all of a sudden without any valid reason a day later they sent a notice that they are cancelling my account. This is totally unacceptable. I have attached my XXXX XXXX Bank Statement as well for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at Credit Corp Solutions call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that XXXX XXXX paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that XXXX sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a XXXX reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a XXXX account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I signed up for experian boost They charged XXXX XXXX  XXXX I cancelled whatever membership it was I never wanted that

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 monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is a fraudulent account ( Oportun/Webbank ) reporting on my credit. XXXX  and XXXX have already removed this account, but it still continues to report on XXXX. I am requesting the immediate removal of this account from my credit. Please see the attached FTC report and my driver license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
There was an alleged check that was returned. There was no check written by me nor authorized by me. There was no duplicate copy of a check what was allegedly returned.There are three different accounts numbers with my name on them, yet the Company claims that can't find them. The Company since sent my account to a Debt Collection Company as well as the Three Credit Bureaus stating the I've been delinquent in my payments. I have copies of their statement showing proof of all items that I actually purchased which doesn't come close to what they reported. I did file a Fraud Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance is relentlessly contacting me via phone calls.They call sometimes multiple times a day as often as 6 days a week. I have explained my financial situation to the company multiple times. I do not dispute the validity of the debt at all. However, being haraased continuously is not going to make me be able to pay them any faster without the funds to do so. I even attempted to block them from calling my cell phone. This was to no avail as they are still able to call from the blocked number repeatedly and leave repeated voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2023, I deposited a check from my husband for a value of {$1100.00} into my account by mistake. The money came out on XX/XX/2023. Two days before the deposit was received, they closed my account. account and the reason was that the check had been reported as stolen which is not serious because my husband did not report it and the company from which the funds were received for work did not report it either. I called Bank America they said that the money was going to be returned to where it came from, I went back and contacted them and they told me that they were going to transfer it back to the company we called the company and they said that they did not inform them anything and that they could not do Nothing came back and I contacted them and they told me that the bank was investigating where the funds came from. My husband was listening to the call and gave the number of the company in which they verified that the money was not STOLEN as they said it had been on the day. On XX/XX/XXXX, they had a meeting and decided that they were going to reopen my account. I called on XX/XX/XXXX and the account was actually active again. I asked about the money that was in my account since it appeared in XXXX and they told me that it would take 5 days. They were able to return it to my account, I called every day and each time they told me something different. The last time I called, which was on XX/XX/2023, they told me that on XX/XX/XXXX they would return them to me and I verified my account. and they did not return them and they do not solve 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 monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hired a landscaper to install a new landscape. He informed me he was licensed. He tore out my existing landscape. He requested {$1000.00}. A few days later he requested {$2200.00} to purchase materials. He made several excuses why the material wasnt delivered as promised. The material was never delivered nor did I ever hear back from him again. I filed a police report. I also contacted Wells Fargo Bank and reported the 2 XXXX transfers as fraud. They denied my claim several times. They also attempted to withdraw the funds from his account only once with no success.

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