vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
I have several student loans that have been consolidated for the purpose of Public Service Loan Forgiveness. I am a public school teacher ( since XX/XX/XXXX ) and have routinely certified my employment for PSLF to ensure that I am still on track. However, on the PSLF tracker on my account, XX/XX/XXXX through XX/XX/XXXX are marked as " employment not certified. '' This is untrue ; I have certified my employment for that time period twice since then ( once in XX/XX/XXXX and again in XX/XX/XXXX ). 

I have been regularly reaching out to MOHELA customer service agents for support, using their chat portal, message center, and phone line. Most of the time, my messages are ignored, or I receive a stock response after 4-12 weeks that my " case is too complicated '' and I need to call in. When I do call in, they either tell me that they don't see the issue on their end or that I just need to wait anywhere between 5 days and 9 months for it to be fixed ( that is to say, when I'm able to get through the phone line- it usually takes over an hour to reach an agent, and I don't have that kind of time in the day ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a Serve prepaid card by American Express yesterday late afternoon for my girlfriend. By the time I got to her house the {$200.00} I put on the card was gone. We check into it and it said that there was an XXXX XXXX purchase that was made. I havent even activated the card yet. Im try to get this purchase returned to me and the person locked up. That was money I sent for her not for just another person that I dont know to steal it from us. By the way the card was still in its concealed package.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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.

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 2023-12-22 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I made a purchase using my Chase Sapphire Preferred Visa credit card in the amount of {$170.00} on XX/XX/2023 at XXXX XXXX. I received a Credit Card alert from the Chase App alerting me of the transaction on XX/XX/2023. 

I had previously applied a Chase Offer to the account for 15 % cash back on a purchase at XXXX XXXX with an expiration date of XX/XX/2023. 

The transaction posted on XX/XX/2023 with a revised " Transaction date '' of XX/XX/2023 which I had no control over and did not reflect the actual transaction date. 

Following the Chase Offers FAQ guidelines, I waited 14 days for the cash back reward to post. It did not, so I contacted Chase 18 days after the transaction was initiated via their secure message feature within my account. I provided screen shots showing the transaction notification date of XX/XX/2023 and the subsequent change of transaction date after it posted to my account as well as the cash back offer information. I received a response from XXXX XXXX on XX/XX/2023 indicating he would forward the information to the appropriate department for research and I should expect a response within 5 business days.

After 5 business days passed, I did not receive a response. On XX/XX/2023 I forwarded the original message via the secure messaging feature on the Chase website to request an update. 

On XX/XX/2023, I received an update from XXXX, Senior Service XXXX : " After reviewing your account carefully we confirmed the offer expired on XX/XX/2023. The purchase posted on XX/XX/2023. We have no control over when the merchant post the purchase. Because it posted after it expired we would not be able to honor request. We hope you understand this is the same for all our cardmembers. '' I disagree with this response. The Chase Offers FAQ page at https : XXXX XXXX  : " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers Wallet. The offer should appear as redeemed within 14 business days after the transaction post date. '' I maintain that I made the transaction on XX/XX/2023 before the expiration date of XX/XX/2023 and that I can not control when the merchant or Chase posts the transaction. Chase should honor its cash back offer and post the cash back reward to my credit card account in accordance with the stipulations of its offer and the guidance it provides on its Chase Offers FAQ site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to deposit my paycheck from my employer via the Deposit Mobile option as I had since XX/XX/XXXX every two weeks ( given USAA does not have any physical locations ). At that point, USAA held {$1000.00} of it without any explanation as to why I thus called in the following day on XX/XX/XXXX and spoke with a customer service rep, who informed me that, due to an overdraft on or about XXXX XXXX, the hold was imposed by their " system. '' Being that I could only remember one other overdraft ever occurring during my XXXX membership, I explained that this was a completely isolated incident and he agreed. He then attempted to override the hold and said that their " system '' would not allow it. I confronted him on this in asking if computers ran the bank or they did before escalating to a gentleman with employee # XXXX. He fed me the same line of bs unfortunately before I asked to escalate this to the top. 

A very uptight and crass XXXX with the CEO 's office finally called me back XX/XX/XXXX and, after having looked into the situation, could not release the {$1000.00} that I rely upon to pay bills out of " fairness to all customers. '' I asked her what my options were other than leaving to another bank and she offered NONE. This is absolutely despicable, especially coming from USAA. I pray they are held to account for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax transition and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, XXXX XXXX, equifax ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX XXXX, equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX, equifax XXXX XXXX XXXX collector Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OR

Complaint narrative:
Unfortunately in these times, my XXXX plus hour a week job does not make ends meet. So I also work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supplemental income ( in addition to my full time job ). I have been doing this now for about two years. Out of the blue on Tuesday, XX/XX/2023 and Wednesday, XX/XX/2023, this fraudulent " background check '' company, Checkr, falsely reported me to two different XXXX XXXX that I receive income from that my driver 's license was suspended, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I went to the Oregon DMV, XXXX, Oregon on XX/XX/2023. I was informed by the actual DMV that my license was NOT suspended. The agent who assisted me also verified this with one of their colleagues. I was then informed that not only was the background report that I showed them inaccurate, that checkr was not an authorized website for providing driving records. Not only is this website inaccurately providing false information about me, they are not even authorized to do so. This false reporting has caused me financial harm, as both of my apps will not let me deliver as long as this false information is on checkr 's unauthorized report. I want this incorrect reporting removed immediately, this company shut down and fined to the maximum for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank authorize like 5 different transactions with amounts out of my budget in different states and cities at the same time without blocking or asking me ; the costumer if this transactions were real. Very clear that was a fraud transaction and they didnt do anything. Now Im asking to credit those balances back to my account because it was their fault and they are taking over a week to do it and I need my money now to be able to buy my family XXXX presents. This is so irresponsible from the bank and their fault for not secure this accounts the right way.

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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I constantly receive mysterious calls where no one speaks and all I hear is a beeping sound. Strangely, no voicemail is left if I don't answer. I never gave them permission to contact my cellphone, which goes against the Telephone Consumer Protection Act ( TCPA ). This act specifically prohibits automated collection calls to cell phones, especially when I have already requested them to stop calling on numerous occasions and even spoken to their managers. Despite my multiple cease and desist requests, they continue to persistently call me and harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Can not acsess my free credit reports online numerous times and i can not get them!!!

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 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently, I opened a Citibank account brand new just had my direct deposit switched over from my employer. Currently, the home I live in is my fathers name however, I make all the mortgage payments and I handle the homeowners policy.. Recently recently I had a renewal on my homeowners policy and they sent me a refund check in the amount of {$520.00} my father, signed the check over to me because technically its my money since Im the one that pays the policy and the mortgage. I decided since it was a brand new account I was gon na put some money in the savings and mobile deposited the check to Citibank. They accepted the check. I think they gave me {$100.00} upfront available and the next day the remainder of the balance was available. Believing that I had this available. I went ahead and spent money on XXXX presents and so forth. Now here it is two days before XXXX  and Citibank freezes all of my accounts with all of my money. I have no money for gas. I have no money to buy XXXX dinner. I have absolutely nothing. I was not notified about this hold or freezing my accounts. I went to login and everything was gone. My accounts were completely disappeared out of my app. I cant get any answers. They told me 24 to 48 hours that was two days ago I called today theyre telling me 24 to 48 hours. I explained I have no money not even any gas money I asked them whats the expectation of what will be the outcome they cant give me an answer my direct deposit that I just newly had switched over to them is going to hit next week and I dont even know if Im going to have access to it no one will give me any answers. They barely speak English over in the XXXX. I tried counting, contacting somebody in the United States And had a branch manager contact them they are requesting that me and my father go into the branch together which is 10 hours away because the closest one is either XXXX XXXX or XXXX. They have closed all their brick and mortar locations. And are mostly online, but they wont accept documents online to resolve the issue. They want us to drive 10 hours on XXXX weekend to go down there. I am just livid. This is unacceptable in every fashion and theres absolutely nothing that I can do about it. I live paycheck to paycheck and theyre putting me in financial distress a few days before XXXX. Its disgusting and I cant get any answers and I need help.

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX I made an ATM check deposit of {$35000.00} into my Capital One checking account. This check was written via my attorney from an Attorney-Client Trust Account as part of an automobile accident insurance settlement. 

Shortly after completing the ATM deposit, I received official communication from Capital One via email stating that my check had been successfully deposited into my checking account along with a detailed schedule of availability of funds. On the XXXX, {$220.00} was to be made available ; on the XXXX, {$5300.00} was to be made available ; and, on the XXXX, the remaining {$29000.00} was to be made fully available. 

As of today, Friday, XX/XX/XXXX, XXXX funds have been made available and Capital One will NOT make any funds available until the XXXX, per their customer service representative. The customer service representatives stated that the delay was due to a fraudulent nature. 

I also received an email from Capital One stating a different reason for the delay, this time stating that there is an increased risk of the check being returned based on confidential information that indicates the check may not be paid. 

Meanwhile, my online banking portal also reflects incorrect, misleading, and contradictory information. As of today, XX/XX/XXXX, my online banking portal denotes my deposit was made via mobile deposit, which is incorrect as it was made via ATM deposit. My account balance reflects a total of {$5500.00} but my available balance is {$1.00}. The deposit description also notes {$29000.00} to be made available on XXXX, XX/XX/XXXX with {$5500.00} available now. 

Capital One Bank has done nothing short of offering misleading, incorrect, deceptive, contradictory, and false information regarding my account. They have also refused to make my funds available despite their initial communication detailing a schedule of funds availability and have failed to provide accurate account details via their online banking portal.

Company response to consumer: Closed with explanation