vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Was contacted by Wells Fargo representative informing me of funds being refunded to my account made withdrawal for XXXX had available XXXX 3 days later recieved a alert on my app saying account is overdrawn by the amount of XXXX I don't have overdraft protection so if funds was not available I would not have been able to withdraw or make transactions especially from an outside atm filed complaint with wells fargo of course my complaint was unfounded my ATM card was cut off by wells fargo was informed I was receiving another card in mail

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 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I called into the agency and received incorrect information in regards to the dates the payments were received. In addition, the agency also reported and verified incorrect information was factual. 
They reported a payment was made XX/XX/2023. It was made XX/XX/2023.. They reported the date of the last payment on the account was XX/XX/2023. There were payments made on the account electronically that posted XX/XX/2023, XX/XX/2023 and XX/XX/2023 electronically and were posted to the account. AES reported to the credit bureau that the last payment received was XX/XX/2023 on XX/XX/2023 in response to the dispute I submitted to the credit reporting agency. 
As of XX/XX/2023 the account was not past due {$290.00} as of XX/XX/2023 which was confirmed by AES on on XX/XX/2023 verbally. In addition the attached payment history which was screenshot from my AES account show the payments were received and posted to the account. 
I requested information on the total loan payments I made over the life of the loan. I was told they could only provide me information on the total payments to AES. I think also I informed them that I was placed on a forbearance while I was making payments. 

I requested a copy of the MPN with terms of agreement so that I could see the what the total number of payments I was required to make. 
I was only sent the signature page of the MPN without the terms of the payment agreement. 

Without the total of payments made and the total payments required over the life of the loan then I am not able to make an informed decisions about President Biden 's new Student loan repayment plan SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX - XXXX - XX/XX/2023 - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
( XXXX  # XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) To protect your account, your card is temporarily disabled. 
RFL XXXX XXXX I dont have a Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a mortgage with XXXXXXXX XXXX  XXXX. It was on AutoPay and I never missed a payment from the beginning in XX/XX/2022 through XX/XX/2022. During this time I received regular emails from the company. In XX/XX/2022 the mortgage was sold to Fifth Third Bank. I did not receive any notice of the loan transfer, from either mortgage company, via email or mail. Fifth Third Bank claims my mailing address must have been incorrect with XXXX, but Fifth Third never tried to email me either. Fifth Third also claims they tried to contact me by telephone, but all I received were voicemails that sounded like phishing scams. I did not find out my mortgage had sold until several month later, when I contacted XXXX to ask why they hadn't been drafting my autopay. By that time I was several months behind on my my mortgage, my credit score and my co-signor 's credit score had suffered terribly, and the lump sum required to bring my mortgage current was burdensome. Additionally, Fifth Third Bank never attempted to contact my co-signor. Fifth Third Bank did not meet its obligations in notifying me of the loan transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Square deactivated my account without any explanation or communication, leaving me perplexed. I have had a flawless nine-month business relationship with Square, with XXXX complaints or chargebacks. In fact, I was so impressed with their service that I decided to open a Square checking account to further grow my business. However, during the approval process for the checking account, not only was my bank account deactivated, but my entire Square account as well. To make matters worse, Square is also holding my funds, exacerbating the issue. This abrupt and unexplained deactivation has left me in a challenging situation, and I'm in dire need of assistance. I firmly believe this is a mistake, and I am seeking a prompt resolution. I implore Square to respond with clarity and decency, as I have not violated any terms of service, and this issue needs to be resolved ASAP to allow my business to continue thriving. Please investigate this matter and help me reinstate my Square account and release the funds being held so that I can get back to building my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Around XX/XX/XXXX I received notice that I owe money to XXXX XXXX XXXX via Zions Debt Holdings. I was told that this debt was from XXXX. I told the lady that i am not aware of owing XXXX any money and suggest them send me over documentation showing me such. I have not received any paper work since. I asked what is the process in filing a fraud claim against this and they said that I have to file a report. I have looked about my records and recalled me canceling this service in XXXX. Also, I don't recall receiving any invoicing after i canceled service. Not knowing the true dates of this service i have to believe this is fraud or Identify theft. I wish this debt to be forgiven and deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested an investigation from Experian on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XXXX/XXXX I this investigation I requested the validation of the following accounts. 

1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX  Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX XXXX XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. As I stated in my last letter please validate this account belongs to me by providing an original document bearing my signature. 
XXXX XXXX XXXX Account Number : XXXX If you are unable to validate this account belongs to me by providing an original document with my signature, please delete this account immediately. 

To this day, Experian has not provided any validating documents and the accounts are still reporting as they originally were. This is a violation of the FCRA

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
Mercedes Bank Financial Services ( XXXX and XXXX ) did not send me the XXXX  XXXX form. When I contacted them via their portal and phone, they told me they will charge {$10.00} to issue the 1099.

The IRS has ruled that charging a fee for issuing a 1099 is illegal. This is because a 1099 is an information return that is required by law to be filed with the IRS. The bank is responsible for filing the 1099 on the taxpayer 's behalf, and it can not charge a fee for doing so. 

I own a Demand Note from MBF - services at this website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/23 a bank account was opened at Bank of America in my name and approved with out my consent. Also an account with Merril Lynch was also opened. XXXX XXXX notified me immediately and set up a three way call with Bank of America and Merril Lynch to have this resolved.

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 2023-10-25 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: MD

Complaint narrative:
My credit score was obtained from Equifax Bureau on XX/XX/XXXX by XXXX XXXX XXXX for auto loan financing. The institution reported a score of XXXX. I didnt know about the score of XXXX until the following week when a delay in processing lead me to engage XXXX XXXX XXXX XXXX XX/XX/XXXX, which also obtained an Equifax score for me of XXXX. When XXXX advised me of XXXX score I challenged it because my knowledge of my credit score has been consistently above XXXX rating for many years. In fact, I checked my scores from all 3 bureaus on Monday XX/XX/XXXX just two days before XXXX and each bureau including Equifax indicated my score as over XXXX. I then pulled my score from Equifax on XX/XX/XXXX just a couple minutes after what XXXX reported and my score was XXXX. It didnt make sense my Equifax to report my score up to XXXX points lower to a potential lender ( s ) than what it reported to me. When I received the Adverse Action Letter from the first lender XXXX XXXX XXXX for reasons other than my score, it shared the score of XXXX. On Monday XX/XX/XXXX I made contact with Equifax representative XXXX to determine why there is such a disparity in the score report, he only indicated lenders can use whatever score model they choose when pulling consumer scores. So is Equifax free to misrepresent scoring to lenders and indicate a different score, a better score to consumers or is there still problems with its coding as reported nationally in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
Note : I previously made a complaint with the reference number : XXXX. While I have finally been placed into the XXXXXXXX XXXX, the information provided by MOHELA to the CFPB was inaccurate when it was sent as I had provided the information MOHELA claimed to have previously denied me on. 

This complaint is regarding three issues : 1. I have repeatedly requested the documentation related to my account from my previous servicer, XXXX. MOHELA has repeatedly given me information that I believe is inaccurate but without that documentation it is impossible to verify either way. I made this request on XX/XX/2023 and have received no response. 

2. I have requested clarification on the interest that has been accruing to my account. I believe MOHELA has decided to apply interest during the mandatory period during XXXX  where interest was waived. They have not responded to repeated inquires on this topic. I initially made this request on XX/XX/2023 and have received no response. 

3. MOHELA does not allow you to payoff loans on its website. Its telephone system is impossible to navigate as many menus do not provide you with options necessary to get the help you need. I do not have time to sit through 5 minute menus every time MOHELA 's inadequate system fails to connect me with anyone and instead gives me a robot to talk to. After attempting 5 times to connect with a MOHELA representative with no success today XX/XX/2023 I used MOHELA 's message system to request my documents. 

4. Most of my loans are not reflecting the autopay discount, this needs to be adjusted and back dated to ensure that I am not being overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
The supremecy clause of the constitution located at article XXXX paragraph XXXX this is the supreme law of the land transunion ignores this I have asked for the companies reporting on my report for the original certificate of indebtedness also that third party collectors are illegal a bunch other infringements of my rights they ignore these treaties and laws are being ignored and thats a crime but I dont understand how they can investigate and see that third party collectors without brandishing the cert of indebtedness along with not getting my consent which is a huge wrongdoing and sharing my info wow without consent is a privacy and moral no no

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is refusing to properly review my detailed evidence for a merchant that scammed me by selling me a defective vending machine. The vending machine I received from XXXX did not work or has not worked, since I received it. My electrician concluded that the voltage was too high for the XXXX, standard XXXX voltage is XXXX the machine I received was XXXX. 

Capital One is neglecting the fact that I was misled by the company which has created an extreme hardship for my business and personal finances. 

The merchant claimed that the machine was placed outside and it was not, the machine was moved the same day it was delivered to an outdoor outlet mall under XXXX covered roofs XXXX that is made from cement. The merchant lied about this fact and I also sent them several videos of where the machine was located. I'm attaching an image of my replacement machine that is in the exact same location as the faulty machine I received from the merchant. 

This evidence I provided needs to be properly reviewed. Capital One is being extremely negligent with my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Whenever I see a payment about to come out, if my funds are a tad low I transfer it in immediately from another account BEFORE morning banking business hours. Or I go to the ATM and deposit cash. Never once have they declined my debit card when my funds are insufficient, they let it go through so they can charge me fees. And they are not using my over draft protection like my credit union does! I'm sick of it it's been hundreds of dollars stolen from me since 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