vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2023 I received an email regarding a purchase on XXXX for {$380.00}. I contacted Wells Fargo immediately in the Sunday and Monday following this transaction. I told them I didn't authorize this transaction and I didn't know who XXXX XXXX the receiver would be. The stole this amount of money for me using my banking information which I never authorized this purchase at all. Wells Fargo helped me transfer into a new account and account and they denied my claim telling me that they believe the transaction was made by me or someone authorized by me. I have never used XXXX for any purchases now or in the past. I only ever use my credit card, debit card or I am aware of all purchases I commit to. Also in the mail I received a card notifying me someone was trying to remove my mother from my current account, which again I didn't authorize and find this activity very suspicious. I have changed all my current passwords for my accounts and would like this issue to be 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CO

Complaint narrative:
Wednesday XX/XX/XXXX I noticed my account was no longer receiving payments from my work benefits for the months of XX/XX/2023 through XX/XX/2023. I called Edfinancial, they explained the website had switched and they sent me instructions to verify these payments. I submitted my proof of payments through their portal. Included in my report were screenshots I took from multiple sources along with all relevant payment IDs. 

Despite updating the information for my account on the same date of XX/XX/XXXX, my payment for that month did not post on my account either. I called a week after to ask about the new payment that did not post, and got no helpful information from them except that maybe the updates were not in place in time and that they would just need time to " find '' the XXXX payment. 

XXXX came around and I called again on XX/XX/XXXX. My account was still not up to date ( missing XXXX payments ). I could no longer log into the old website, thus losing my payment history of the past 5 years. This time, they told me they could see the missing payments on their side and that they would be updating my side soon. I asked for a complete payment history as I did not believe them. They told me it would take XXXX business days. 

It has now been XXXX business days and I haven't had a single email of correspondence from Edfinancial regarding this matter. I have not been provided my documentation. I called again in XXXX with concerns that my account would begin accruing interest on the inaccurate balance, which they assured me would be backtracked. I called again on XX/XX/XXXX and again on XX/XX/XXXX. This time they told me the balance was accurate, which I can prove is impossible with paper statements. I asked for a supervisor to contact me both times, no supervisor has reached out. 

I haven't received a monthly statement from Edfinancial in 7 months, despite that being advertised as part of their " eStatement '' pitch. I haven't received an accurate account balance in 7 months. This inflated balance is now accruing unnecessary interest. I haven't received any communication from them despite calling multiple times. No other loan provider would behave this way. Imagine your mortgage provider losing XXXX payments and refusing to send you documentation. This is absolutely unacceptable and the fact that Edfinancial wins government contracts goes to show that the people awarding these contracts have done no research on the legitimacy or transparency of the provider. This is so unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Today, XX/XX/XXXX, I called AidAdvantage and requested to know my payment count. I had already consolidated my federal loans a long time ago. I am on the XXXX XXXX XXXX. I have been in repayment since XXXX. I believe that I qualify for forgiveness and that I should at least be given a payment count. Aid Advantage is not able to provide any information on my status, and the agent gave conflicting information. In the meantime, I am being asked to resume paying, with interest accruing, while many of my colleagues who have been in a similar situation ( payment for more than 20 years ) have already received notice of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Requested Proof that CHASE submitted a claim to the XXXX XXXX XXXX on XX/XX/2023 from XXXX at Chase Bank Claims. TEL : XXXX ext XXXX XXXX XXXX wrote back and said never received the claim. I need DIRECT proof so I can submit to XXXX XXXX  of the proof of claim for the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I have made > XXXX qualifying payments, but am only getting credit for XXXX. I resubmitted my XXXX employer verification form on XX/XX/2023 and am still being required to make payments because my form is still being processed. I have tried calling customer service to see if I qualify for forbearance while my form is being processed, but can not get through to customer service due to call-hold times > XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am quite sure that Chase discriminated against me due to age in deciding not to issue a credit card to me. I applied for an Amazon Prime Visa Signature card through Chase. My FICO credit score is extremely high, in the XXXX. I have an excellent credit profile. Only XXXX credit cards issued at the time of the application, no delinquencies in the past XXXX years, and I pay off the full amount on any card on a monthly basis. 

Chase claims to have denied me a card based on the following, which will be seen are all pretextual : 1. " Past or present delinquent account obligations withchase. '' [ Typos in original ] I have never had a delinquent account with Chase and don't recall having an account at Chase. Moreover, I have had NO delinquent accounts in the past 7 years with any creditor, Chase or otherwise, Accordingly, this is clearly pretextual.

2. " Insufficient or no balance in Chase deposit and/or investment accounts. '' No I do not have a Chase account, but this reason seems entirely pretextual. I strongly believe that Chase provides credit cards to persons with my credit profile who do not have an account at Chase, but who are 10 years younger than me ( I am XXXX ). 


XXXX. " Too many revolving accts opened in 1 year compared to all revolving accounts. '' I have four revolving accounts, one of which was opened in the past year. I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

4. One or more request for new credit in the past 12 months. The only request for credit in the prior 12 months was for a credit card ( approved ). I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

The reason that I make this complaint is that I believe that Chase is discriminating based on age not only against me, but also in its credit algorithms to unlawfully deny credit to elderly people. I think that the CFPB should investigate Chase 's practices in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm stole {$700.00} from me. I was approved for a loan from Affirm and the merchant. Loan has been sitting in processing for over XXXX days. Affirm decided to charge the entire amount of the loan to my bank account which they had no authorization to do. Affirm said it was just a pending charge and would fall off. It cleared my bank account this morning, so now I am out {$700.00} and Affirm is refusing to refund it. Already filed a complaint with the XXXX and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I filed XXXX  XXXX XXXX of XXXX  and XXXX was listed on the schedule when I filed. XXXX XXXX  filed a lien on my property XX/XX/2009. XXXX has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CA

Complaint narrative:
I closed my XXXX XXXX account on XX/XX/XXXX  after my XXXX contract expired and I moved to XXXX for better pricing and plans. XXXX sent a bill for the next billing cycle despite me closing my account. 

I disputed this several times with XXXX and reported XXXX to the XXXX, I have also joined class action lawsuits against XXXX as this has happened to many people over the years. I have not seen relief from either the XXXX nor the class action. 

XXXX maintained I owed them for the subsequent billing cycle and put negative marks on my credit for 7 years. Now that 7 years have passed, they sold the account to Jefferson Capital Systems LLC.

Jefferson Capital Systems LLC is trying to collect XXXX 's debt that is 1 ) incorrect and 2 ) past 7 years old. They email and/or call me daily. I have asked them to stop contacting me via email.

Per the FCRA, " consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I've been attempting to close my Bank of America account since XX/XX/XXXX. Despite reaching out to the automated service XXXX times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), each instance was met with claims of system issues hindering the closure process. The company 's proposed solution was for me to visit a local branch. However, residing outside the U.S. makes this suggestion logistically unfeasible. In the meantime, monthly account maintenance fees continue to be charged, exacerbating the frustration of this ongoing situation.

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 2023-10-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I received a Cash App money transfer for XXXX dollars from a family member. I never received the payment upon contacting Cash App customer support I was told by the support rep that it was to make up for a technical error that happened between XX/XX/2023 and XX/XX/2023 and it effected one or more of my transactions. 


And the balance reflected Cash apps recovery of the funds to complete payments to merchants. 
The alleged overpayment didnt show in my transaction history. 

On XX/XX/2023 this happened again and once again they claimed XXXX was paid and during their technical error and then reversed the payment again I have no record of this. They kept referring me to the transaction activity tab on their app. 
Once again I could find nothing proving this overpayment. 
XX/XX/2023 this happened again for XXXX They once again referred to this technical error and XXXX was overpaid I still couldnt find the transaction history. 
Again on XX/XX/2023 XXXX was taken and they said it was because of their bank error. 
I made a complaint with the FDIC who suggested I make a complaint here.

Im on a fixed income these transactions took money for bills and other necessities with no concrete explanation. 
They only cited a technical error which was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: DISCOVER BANK
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: MOHELA
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-10-24 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my 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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In fall of 2021 I paid off the balance of the account, attempted to close the account and they told me they would pause it. I only agreed if they guaranteed there would be no further charges made. 

In the ensuing months, the company decided that they would accept a charge from XXXX despite the fact that I told them I did not want any charges authorized. The account was frozen with no charges to be made. 

I complained about the charge, I told them I didn't want them to pay XXXX, and they reversed that charge. At that time I told them multiple times I wanted the account closed as they violated their promise and charged me without my consent. 

They continue asking for late fees on a charge I never authorized. I never wanted them to charge that amount, have called multiple times to tell them I will not be paying since they broke their verbal contract with me and that I wanted the account closed. They are continuing to send collection emails despite the fact that they are the ones who broke an agreement with their customer.

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