vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
In XXXX XXXX XXXX my student loans were with XXXX when I requested a refund of the voluntary payments I made during the pandemic freeze. This refund amounts to roughly {$8000.00}. 

In XXXX of XXXX, I received the first {$2100.00} through XXXX but then my loans were transferred to Mohela. Where my refund has been stalled. Mohela said they couldn't see the refund request and that I needed to resubmit it, which I did. This was frustrating since I could see the full amount of {$8000.00} already back on my student loan balance. 

In XXXX of XXXX, I called Mohela for an update on my refund where they had trouble locating my refund request. After over an hour on the phone and multiple transfers, they located my refund request and said it would take 90 days to process and that it's under investigation. 

In XXXX of XXXX, I called Mohela back which is after the 90 day wait, and I spoke with a supervisor who said she only sees a refund of {$5800.00} in the system and isn't sure if this amount is in addition to the refund I already received ( {$2100.00} ) or is the total, which would mean now they don't see the refund amount of {$8000.00} that I requested. So I asked for a payment history which they responded would take XXXX days to just receive that information. They also said they are expediting my refund request which would take another XXXX days. 

I have called Mohela dozens of times over the last 6 months and every time I ask for an update on my refund, they keep pushing back the request by XXXX days. This is unacceptable since the {$8000.00} I requested back is already showing back on my student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 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: NJ

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have a credit card with USAA. I opened the account with a balance transfer and only intended to use the account to slowly pay off the balance without ever intending to use the card. After several years of payments, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my account that I never made. The charge was refunded on XXXX XXXX XXXX but since that date I have been charged purchase interest on that transaction every month. 
My first call to USAA was in late XX/XX/XXXX to dispute the purchase interest. I told them I wanted a fraud investigation started and the purchase interest stopped. I was told that the only way to stop the purchase interest charges was to pay my balance in full. The account balance is several XXXX dollars. I told them that was unacceptable and ended the call. No further communcation was received from USAA. 
Every call to USAA requires XXXX min to as much as XXXX hours to get through and be transferred several time until you can get the right dept. 
On XX/XX/XXXX I called USAA and after XXXX or XXXX transfers, I was told that the member resolutions team 's computer was down and I would have to call back later. 
On XXXX XXXX XXXX I called and after only XXXX minutes I got someone that understood the problem but she put me on hold and when she came back her microphone was garbled, then I went back to hold music, then garbled mic and suddenly I was back at the beginning and had to explain the problem again a person that then transferred me to the " stop payment dept '' where the prompt said the wait was XXXX min or longer. I hung up. 
On XXXX XXXX XXXX I called and spoke to a woman that advised me a fraud claim was never filed, but she would start XXXX now. She refunded me XXXX month of purchase interest and promised me a letter would be sent to me in XXXX to 5 days stating the results of the claim. No letter was ever received. 
On XXXX XXXX XXXX  I called and after about an hour I spoke to XXXX XXXX in member resolutions. After another XXXX min on hold, she advised me that I would have to send a letter to USAA Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She advised the letter had to all the details again. 
On XX/XX/XXXX I sent the letter. 
On XX/XX/XXXX I never received any reply but XXXX finance charges were reversed totalling {$25.00}. 
On XX/XX/XXXX The purchase interest charge is still being added to the acct. 
On XX/XX/XXXX USAA added XXXX charges totaling {$24.00} listed as " adjustment to account '' without any explanation. 
Further statements in XX/XX/XXXX and XX/XX/XXXX show they are still charging purchase interest. 
It is very apparent on my account because I don't use the card but this is probably happening to thousands of their customers without them even knowing!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, WAKEFIELD AND ASSOCIATES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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. 

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 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  has violated my rights. 

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
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I already submitted but it has been 2 months and bank of America has not replied. 
COMPLAINT ID XXXX Dear US Bureau protection agency , I would deeply appreciate your help to bring this unfair transaction to light and help me and my family receive our refund from our credit card company. This is an appeal for my dispute transaction with Bank of America. I accidentally booked a ticket on XX/XX/ via merchant, XXXX, a third-party unreputable seller with XXXX rating swamped with negative reviews .The cost was {$770.00} We have additionally update : the airline admitted fault, they will REFUND, they kept on sending the same emails for the past XXXX months but most recently, they refused to cooperate. We want this charge to be REVOKED.

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 2023-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally Financial to withdraw the funds from my account on the evening of XX/XX/XXXX. They told me my savings account was placed in a " dormant '' status since I hadn't added funds to it even though they never notified me about this status change or what I could do to prevent that from occurring. I then told them to close my account and withdraw the funds from my saving account to my linked XXXX XXXX XXXX. They told me that it would take XXXX - XXXX business days to close the account and transfer my funds. 

I contacted Ally again on XX/XX/XXXX and they said the transfer was in process. When I contacted them again on XX/XX/XXXX, they said there was a mistake and they failed to transfer my funds. They promised to escalate this issue and provide me an update on the XXXX. Since I didn't receive an update, I contacted them again on the XXXX. They said the account closure and fraud teams had outstanding questions which was preventing the transfer even though they didn't ask me any questions. Since the money was being transferred to the same bank account that was used to transfer funds into the account in XXXX, there should be minimal fraud concerns. Again they promised to respond to me later that day with an update. 

Since I again failed to receive an update, I contacted them again on the XXXX. They said the fraud review was completed but still didn't know when my funds would be transferred to my bank account. Repeated requests to escalate this issue and/or speak with a XXXX who could resolve this issue were refused. 

The absolutely horrible service that Ally delivered should be a warning to everyone never to use their service since there are many other financial institutions who provide better saving deposit rates with much better service.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was closed due to numerous overdrafts they claim

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 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. 
XXXX the account # XXXX, has violated my rights.

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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/23, I clicked on an ad for XXXX magazine. The offer was for {$20.00}. I was charged {$49.00}. I asked for a refund. The company sent a full refund. Wells Fargo only credited me {$29.00}. I have called twice and they will not help me. Wells Fargo is committing fraud by keeping the {$20.00}.

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
at the beginning of the pandemic, I contacted the bank JUST TO INQUIRE about the forbearance program. I DID NOT REQUEST TO PARTICIPATE. My mortgage was set on auto pay and I had no issue making my payments. Suddenly without warning my mortgage payments stopped being drawn from my account. I tried to find out why this was happening and came to find out that they had placed my account in forbearance. I tried without success to get the bank to resolve the issue as I was then having to send my payments by check. Statements were all screwed up and I'm certain that payments I made were not being credited properly or at all, not to mention having additional interest and principal backloaded on my account because of the forbearance that I DID NOT REQUEST. None of it made any sense and it took me over a year to get this resolved with the aid of an attorney. However, I am not satisfied that this was corrected properly and all I know is that the forbearance was removed. Now since my mortgage is variable, I will now have to pay a higher rate of interest for payments not credited or added to the back of the loan.

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 2023-01-21 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, PORTFOLIO RECOVERY is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: CA

Complaint narrative:
On XX/XX/XXXX, I disputed a claim on my report for XXXX XXXX XX/XX/XXXX again disputed the same said claim on my report for XXXX XX/XX/XXXX disputed the said same once more for XXXX on my report. 
The same generated response. 
-- -- INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I would like to be shown proof of the accuracy, not just a generated result. The account in question is from a purchase with XXXX for a truck that became a lemon but was a re-sale, so it had no recourse. I in-turn after over {$150000.00} in continual repairs at the last place, where I could not afford to repair a 3rd engine, called XXXX and explained where the truck was, gave the contact of the tow yard, and which they said they would obtain the truck, sell it, and send me a receipt for unpaid balances since I only had only 11 months left to pay off. 
Contact was made to XXXX again about 6 months later, in which they said they were getting the truck. One year later, the owner of the tow yard said they had never picked up the truck, and therefore they had to sell it to recoup losses ; abandoned. Now, it says an amount that is not what was discussed, but they had left the truck there, without telling me anything, because I could have sold it, and paid off my debt. I have no knowledge therefore of this debt since the truck was given back to the lender ( XXXX XXXX ), and I have not received anything to a fact of their receipt of the asset, and or sale of it, so therefore this debt is considered inaccurate, and they have not shown proof of anything, just a generated message. Transunion is only using the lines of the bare minimum, yet this has been the same generated message for results since my dispute. I am requesting that it be removed immediately since no proof of said debt has been proven, i.e. signatures, amounts, debt service dates, and/or reason as to why the truck was not obtained and/or sold at auction. 
Also, my credit report is clean and over XXXX, I have no other issues with other bureaus but Transunion, who also had decreased my score, XXXX points for no known reason, as I have no collections and no balances, credit surpassing {$90.00}, making no sense. I find Transunion to be deceptive. I also contacted them regarding addresses on my account which are incorrect, and names being incorrect, by which they allow no way to cure.

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1.WellsFargo credit card payment for account due XX/XX/2023. 
2.Made credit card payment of {$230.00} via telephone to WellsFargo on XX/XX/XXXX, approximately around XXXXXXXX XXXX XXXX and I noted the reference number for the payment # XXXX. 
3. WellsFargo representation was that an overage fee was included in the payment due on XX/XX/2023. 
4.This morning received an email from WellsFargo that my payment was due today, XX/XX/2023, 5.I called WellsFargo at XXXX this morning around XXXXXXXX XXXX XXXX and went from the automated system to a live representative with advisory from WellsFargo automated system at the call would be recorded. 
6.The young lady I spoke to looked into the system and noted she did see the payment made on XX/XX/XXXX with a reference number XXXX. 
7. I told WellsFargo representative that I had checked with my credit union account after receiving notice by email on XX/XX/XXXX from WellsFargo payment due that the funds had not yet been withdrawn and that was an unusual practice as other payments made to other credit companies hit the credit union immediately for withdrawal. 
8. The WellsFargo representative that was the problem, that I should talk to the credit union. 
9. The issue lies with WellsFargo. The are somehow withholding the processing to garner late fees on unsuspecting credit card holders which may result in double payments to them in addition to the late fees

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