vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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

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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/2023, at XXXX ART, I initiated a transfer request with Wise Inc US for {$2000.00}, which amounted to {$2000.00} after the company 's transfer fee. On the same day, at XXXX XXXX ART, I executed the transfer for {$2000.00} to Wise Inc US, which, as of today, has not been credited. I routinely make such transfers every month or two, consistently using the same Wise Inc account and the same method ( Wire RTP ). It was surprising that it didn't go through even after five days. I contacted Wise support multiple times without success ; their responses were consistently, " Your money hasn't arrived ; we will notify you within 1 to 2 days when it does, '' but no notification ever came. I called the customer service number provided on their website, and when attempting to speak with an agent, the call was abruptly disconnected. This is outright theft on the part of Wise, and I demand a refund of my money, as I no longer wish to deal with this company, nor do I want the already transferred funds to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
After being declined for rate adjustments due to job loss, I was shocked to see online that this same Bank of America put my account on escrow for my XXXX payment. Imagine my shock to see a payment due of XXXX XXXX! Delving in to the statement details, I noticed the escrow amount added. Funds I do not have in my checking account to be debited. 

Spent over XXXX hours total on phone with Bank of America today. First call, I was told escrow was added due to taxes being late. Excuse me, second half property taxes ARE NOT DUE UNTIL XX/XX/XXXX in XXXX XXXX. I was going to pay that on credit card. I received no notification, no special letter, no escrow analysis, nothing. Second call I made to escrow department ( after being transferred several times ), was told to check my online account, which I did on the phone with agent. Voila, no notification sent at all. If part of the loan mod, someone should add this to the documentation sent to me. And why this was not done the first time I applied for a loan mod XXXX  months ago? Can't have it both way.s This is a breach of my original loan agreement. I am agreeing, and still paying my adjustable rate mortgage which tripled this year and increased another {$500.00} XX/XX/XXXX, following the rules, being the long time good client I've always been, and I get pinged with escrow? I never have had escrow my entire adult life, nor was this part of the loan mod. Is the bank trying to get me to abandon my home? 

I am not attaching the statement of XXXX. XXXX with the escrow line item due to privacy on my loan number.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2023 by father XXXX XXXX issued a check in the amount of {$24000.00} to me via US mail. The envelope containing the check was apparently stolen out of the mail. the check was then fraudulently altered and deposited atTD Bank in XXXX XXXX, FL. We reported the fraudulently altered and deposited check to the XXXX XXXX Police Department. This was the appropriate jurisdiction, after I checked with a representative of the States Attorney 's Office. We submitted copies of the cancelled check as well as a photocopy of the original check that was sent to me. A copy of the correspondence, and cancelled checks are included with this complaint. My father, XXXX received correspondence today from XXXX XXXX XXXX XXXX  that TD Bank was not cooperating with them to process our claim. My father and I are requesting the bureau 's assistance to contact TD Bank to expedite processing our claim through XXXX XXXX  so that we can be made whole. As the depository bank for an obviously fraudulent check they're responsible and need to be held accountable as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Nelnet, Inc.
State: IL

Complaint narrative:
Have been trying to call NelNet for weeks since my loan was transferred to them. I can not sign into my account online, recovering my username does not work, signing in with my social security number does not work, they keep telling me that my zip code is wrong. It's not. I think I know where I live. So if it's wrong in their system, then my personal information is incorrect with my lender which is insane. I have tried to call dozens of times and the hold times are always over an hour with no option to select a call back. This is sickening and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX 15 U.S.C. 1681 Section 602 A : States I have a 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 with 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 adverse item of information, other than records 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 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 2023-11-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX5 U.S.C. 1681 Section 602 A : States I have a 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 with 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 adverse item of information, other than records 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 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 2023-11-20 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Every company dealing with a consumer has agreed they would follow certain regulations and if they chose not to I have proper authorities to inform.

I am writing to bring to your attention a concerning matter regarding U.S. Department of Education/Aidvantage ( Official Servicer Of Federal Student Aid ) and its potential violation of The Family Educational Rights and Privacy Act ( FERPA ), a federal law established in 1974 to safeguard the privacy of student education records.

It has come to my attention that there may be instances where Aidvantage has not adhered to the provisions outlined in FERPA, which clearly stipulates the protection of student education records in both public and private educational institutions.

Specifically, I am concerned about violation of 20 U.S. Code 1232g. This federal law mandates that educational agencies, including Aidvantage, must provide parents with an opportunity to challenge inaccurate or inappropriate information in their child 's education records. It has come to my attention that Aidvantage may not be meeting this requirement. 

Furthermore, the law specifies that no funds under any applicable program shall be made available to a State educational agency that, knowingly or not, denies or effectively prevents parents from inspecting and reviewing the education records of their children. This includes records maintained by the State educational agency on students who are or have been in attendance at any school under the jurisdiction of an educational agency or institution covered by this law. This action not only raises serious privacy concerns but also undermines the fundamental rights granted to students and their families under FERPA.

As outlined in 20 USC 1232g ( b ), FERPA applies to a broad spectrum of educational institutions, including post-secondary schools. Therefore, any violation of FERPA by Aidvantage should be thoroughly investigated and addressed promptly.

I kindly request that you initiate an investigation into this matter to determine the extent of the alleged FERPA violation by Aidvantage. Additionally, I urge you to take appropriate corrective actions to ensure that such breaches do not recur in the future.

Thank you for your attention to this matter, and I trust that you will handle this complaint with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: FL

Complaint narrative:
My wise ( https : //wise.com/ ) account has been deactivated on XXXX XX/XX/2023 without any reason they even didnt inform me regarding any deactivation. when I contacted customer support they said account has been deactivated and said they will not tell the reason of deactivation. Then I continued to contact them again and again but they didnt give me a proper response. There are XXXXXXXX XXXX in it. This is the first response I received from them ( XXXX XXXX, Thanks for contacting Wise. 

XXXX received your appeal, and your ticket number is XXXX. 

Please, make sure you are contacting us from the email associated with your deactivated account. If you contact us from a different email, we wont be able to review your appeal. 

Our team will be in touch with any updates. This can take up to 20 working days. We wont be able to reply to any questions before this time. 

Thanks, The Wise team ) one and a half month has passed but didnt receive any satisfactory response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a checking account with PNC Bank, the company I work for pays me with a check and every time I deposit my check the money is available the very next day except my most recent check which I deposited on XX/XX/2023. The next day I get a message from PNC Bank saying that my deposit is being held for reasons beyond their control but when I called my boss ( check issuer ), he called his bank and the said that the check was paid the same day it was deposited. So why is PNC holding specially when I live paycheck to paycheck and I have automatic payments coming after my deposit? PNC Bank then decided to pay the items presented as automatic withdrawals and then proceeded to charge me {$36.00} as overdraft item fee. This is a practice I have seen other banks do because they have done it to my spouse and I think it should be illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CT

Complaint narrative:
Regarding Case # XXXX Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my wallet at the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). Lastly, I reviewed my XXXX credit report and found the fraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) XXXX  Invoice showing a different name ( XXXX XXXX XXXX XXXX XXXX and address XXXX ) Signed letter from the person who authorized the charge without my knowledge and an acknowledgement that I personally received no benefit as a result of this transaction Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/XXXX  I sent a debt validation letter to Midland Credit Management. Requesting Written verification of the amount of the alleged debt, including a detailed account of any interest or fees charged ; The name and contact information of the original creditor ; Proof that your agency is licensed to collect debts in North Carolina ; A complete payment history for the account, including dates and amounts of all transactions ; and Copies of any documents demonstrating that I agreed to the terms and conditions of the original contract, including the signed agreement. I also requested that the company only contact me in writing from that day forward. 
On XX/XX/23 I sent a failure to validate letter. This is an expert from said letter " As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/23. 

Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA, and the FCRA. 

I must remind you that any attempt to collect this debt without validating it violates the FDCPA. I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report law violations to my State Attorney General, the Federal Trade Commission, and XXXX XXXX XXXX XXXX XXXX. '' On XX/XX/23 I received a threatening letter from Midland. The letter stated that if payment was not received by XX/XX/23 they may forward my account to an attorney for litigation. This violates the FDCPA and NC statute XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I had a XXXX XXXX that was purchased and loan was carried from Wells Fargo. They had a class action lawsuit regarding the charges and repossession. I had received a payment of {$6400.00} but the harm it has caused to me personally and financially over the last XXXX  years is unrepairable. I feel the amount should have been substantially more due to the impact it had on my credit.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-20 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-11-20 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief