vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to file this complaint with EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction

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 2023-09-27 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: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
In or about the year XXXX, my federal student loans were being serviced by XXXX XXXX. On or about XXXX, my student loans were transferred to other servicers. However, to date, XXXX XXXX has never sent me a XXXX or other documentation acknowledging that my student loan debt obligation was canceled with them. It has also been over 3 years since my student loan debt has ever been attempted to be collected. I received a Copy B of the XXXX from MOHELA which is now the current servicer. However, MOHELA, has yet to reflect this cancelation of debt on the student loan account. MOHELA has also failed to apply the XXXX loan forgiveness provisions allowed under federal law as I was an educator for over two ( XXXX ) decades in urban school districts across the United States. MOHELA also continues to violate my federally protected rights by reporting alleged student loan obligations to XXXX, XXXX, and XXXX. This violates my federally protected rights under the Privacy Act of XXXX, FERPA, UDAAP, FDCPA, and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
inaccurate inquiries from a company that doesn't even exist.

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want incorrect information to be removed 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This is the third time someone is opening a debit card account without my consent or knowledge. 

The first time was XXXX XXXX Second was XXXX  Third was M & T bank I had to call everyone as soon as I got my debit cards in mail to cancel my account.

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 2023-09-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
It took less than one minute to open account online. There was no option to make this a non recurring deposit. 
Information on how to close account, recurring nature, penalties was hidden in fine print. 
When I wanted to close the account I was told I had to do this within 7 days of maturity to avoid penalty. 
When I attempted to do that I spent 1.5 hours in the phone : 1. Main menu after wells fargo premier line offers 4 for time deposit. Connects to credit card. They attempted to connect me to the " right '' person. Resulted in being back in main menu, 10 minutes holds and XXXX information ( can only be closed in person ). 
2. After one hour I got to customer advocacy which took 30 minutes to close account 3. I believe this is close to or actually is entrapment : it is next to impossible to close the account if you are not persistent and have 1.5 hours during working hours. You have only 7 days after maturity or incur a3 month interest rate penalty. And it takes less than one minute online to open this account but like XXXX XXXX doesn't let you leave Wells Fargo should not be allowed to have this product if it is not as easily closed as opened

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This complaint relates to a prior dispute with Capital One regarding my checking account, CFPB complaint # XXXX, which has been closed without a satisfactory resolution on my part. My complaint was submitted to credit my Capital One checking account with {$3000.00} that was deposited by Capital One to their own account and not to any of my Capital One accounts. Instead, on XX/XX/2023, they debited my checking account {$3000.00}, leaving me instead with a net debit of {$6000.00}, the amount which Capital One then owed me. Then, as stated in their letter of XX/XX/2023, on XX/XX/2023 Capital One credited our credit card {$3000.00} and on XX/XX/2023 they credited our checking account {$3000.00}, 'reversing their previous error '. In the meantime on XX/XX/2023, seeing that my credit card was credited for {$3000.00}, I asked Capital One to close the credit card account and asked for a credit balance refund of {$810.00}, which I did receive, # XXXX. Then, instead of closing my credit card account, on XX/XX/2023, Capital One debited my credit card {$3000.00}, which it continues to insist that I owe with late fees and interest charges. Their accounting has never allowed me to recover the {$3000.00} that Capital One has stolen from me! I have spent countless hours on the phone, often speaking with untrained representatives who will not attempt to understand my problem, trying to resolve this issue. I have filed a claim with Capital One that the XX/XX/2023 debit of {$3000.00} to the credit card was fraudulent on their part and have requested that the debit and all interest charges be reversed. I have not received any reversal of credit card charges or other response to date. Capital One still owes me {$3000.00} and restoration of my excellent credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MD

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES ACCOUNTS 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OK

Complaint narrative:
My cash card was locked and I could not unlock it in the app. I contacted them on Thursday, I sent in the stuff to verify my identity on Friday, and all they'll tell me is that it has been escalated to their special investigations team and they'll get back to me. Me. It's been almost a week that I can't access my money! And they won't tell me anything other than it's being escalated. And thank you for my patience. I have bills to pay, I have kids. I can't not have access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is a XXXX XXXX credit card showing on my credit report which I never opened since XXXX. 

I am not liable for this account and want is removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: CA

Complaint narrative:
I was a victim of identity theft... bureaus refuses to remove the information off 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 2023-09-27 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: CA

Complaint narrative:
I was a victim of identity theft... bureaus refuses to remove the information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft... bureaus refuses to remove the information off 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several bank accounts with Fifth Third Bank. The account that I use to pay my bills from went into overdraft when a client failed to pay for my services. There is overdraft protection for this account ending in XXXX linked to my XXXX checking account. That is the only overdraft protection account that I authorized. 

I am currently unemployed. The stress of that is more than enough. I do not qualify for unemployment as it was a contracted consulting job. As I have been getting money, I have been paying down the overdraft on the XXXX account. 

I had {$100.00} in my savings account. I went into my account to transfer money to one of my checking accounts and found that my money had been taken out of my account by the bank. That is all of the money that I have left. 

When I contacted the bank, they essentially told me that they could move money from my accounts without my authorization. I know that is incorrect. Taking without permission is theft - plain and simple. 

First they tried to say that I had set up overdraft protection using my Savings Account. In the entire 8 years that I have been banking with them have I linked overdraft protection to my Savings account. When I pushed for them to provide documentation showing that I authorized overdraft protection to be linked to my bank account, I was told that they do not have access to such documents. 

Then the representative came back and said that I was correct. Overdraft protection was only linked to my Checking Account ending in XXXX. How can he tell me this when moments before he claimed that he had no access to such documentation? 

I requested for my money to be returned to my Savings account. He told me that they would not return the money to my account because they moved it into the account that has a negative balance. 

How can anybody besides me authorize activity on my bank account? If that is the case, anybody can just go in and manipulate my account at will. I have enough sense to know that this is not legal. 

Another practice with Fifth Third is charging overdraft fees if an assessed maintenance fee overdrafts an account. How can they do this? This is an option offered by their bank. How can they charge overdraft charges on maintenance fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I've disputed XXXX popular personal loan on my credit report as the account is not mine. I've asked to be provided with a signed contract and transunion has not provided with such, XXXX loan I've disputed that this account is current and has never been late I've supplied documents

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have been unable to log in to my account since XX/XX/XXXX. I called on XX/XX/XXXX and they said it was an isolated issue with my account and their service team would resolve the issue within 3 days. I had money in my XXXX account that I needed to transfer but could not due yo lack of access. I can not not have access to my account for 3 days. I had to transfer money to my other card which cost me {$8.00}. I am expecting a deposit and need to know when it comes in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
I applied for SAVE plan. Of the 11 loans I have with Mohela, only 4 are on the SAVE plan, while the other 7 plans say Level. 

I am unable to reach anyone due to long wait times. I logged in to plan to set up my payments to restart, however, theyre not accurate with only 4 of 11 on the correct income driven repayment plan. 

I called on XXXX and waited for greater than 30 minutes before I needed to hang up. The issue is unresolved. I can not make the stated minimum payment of {$2800.00} by XX/XX/2023. The estimated repayment amount with the loan simulator is around {$82.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I applied for financial aid, a private student loan, from XXXX XXXX in XXXX or XXXX of XXXX On XX/XX/XXXX I received a disbursement in the amount of {$7700.00} With an interest rate of XXXX XXXX the total accrued interest is {$8200.00} Repayment of the loan began on XX/XX/XXXX. 

CFPB obtained a judgment barring XXXX from offering or providing student loans. 

Currently this loan is being serviced by Navient. 

On XX/XX/XXXX I was informed by the Department of Education that " XXXX Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). '' Additionally XX/XX/XXXX Navient reached a settlement in regard to these kinds of personal loans. 

Navient has placed all Federal Student Loans from XXXX in my name in forbearance in accordance with the legal outcome, until they can be fully XXXX. The private loan has been paid to a remaining balance of {$1700.00} as of today, XX/XX/XXXX. 

For clarification, of the {$7700.00} principal and {$8200.00} in accrued interest, {$14000.00} have been paid against this predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, I was a victim of identity theft and as a result have an unauthorized hard credit inquiry on my report- please see attached for my written complaint, drivers license, social security card, address, and FTC letter.

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 2023-09-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi I have several inquiries on my credit report that I don't recognize and want to report them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-09-27 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: Experian Information Solutions Inc.
State: OH

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.

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 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