vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
My name is XXXX XXXX. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX, when I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX XXXX. I also bought a maintenance plan and an additional extended warranty in the original purchase, demonstrating my trust in your services. 

In XX/XX/XXXX, I went to the dealership, as instructed by the finance company, to cancel the maintenance plan and extend the warranty. I completed the necessary paperwork, which the dealership processed. On XX/XX/XXXX, the dealership sent Stellantis Financial a refund of {$4300.00}. The check was cashed on XX/XX/XXXX, per the verification provided. 

It is now XX/XX/XXXX. After XXXX phone calls and XXXX emails, Stellantis Financial has not credited my account to reflect the decrease in the principal balance. I want to refinance the balance to get a better APR from my credit union, but am not able because the payoff that Stellantis is providing does not reflect the refund.

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 2024-06-03 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: FL

Complaint narrative:
i have submitted a report with the XXXXXXXX. I want these hard inquiry deleted because i did not authorize these companies to run my credit, this charges are fraudulent.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute the validity of the debts referenced in the collection accounts reported on my credit reports. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debts as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I withdrew {$800.00} ( US ) cash from my Chase checking account on XX/XX/year>, at the XXXX XXXX, Massachusetts branch to create a Money Order through that bank. I mailed the Money Order to my Payee, who told me they never received it. So, on XX/XX/year>, I visited the same XXXX XXXX branch to file a claim. The branch rep spoke with XXXX in the Chase Claims department, who researched the Money Order and found that someone had stolen it, whited-out my Payee 's name, and written their own name, XXXX XXXX as the Payee. The branch rep printed out a copy of the fraudulent money order - front and back for my records. The back side showed that this money order had been deposited into a Chase ATM into XXXX XXXX XXXXXXXX XXXX account. The branch rep gave me a " Declaration of Unauthorized Endorsement or Altered Item '' Form to fill out and submit based on XXXXXXXX XXXX  guidance. However, when I called the Chase Claims Department on XX/XX/XXXX, the Claims specialist told me I did not need to submit this form because it was a Chase-to-Chase transaction and was less than {$5000.00}. I also received three phone calls from XXXX, my assigned case manager on the Chase Escalations team who advised me that my claim had not been processed and that I need to contact the Claims team regarding an " altered money order. '' So, I called the Claims team four more times to get four different answers regarding my claim. Every phone rep advised me differently. Two said I needed to complete the " Altered Item '' form, and two others said I did not. Having invested more than eight hours of my personal time, I finally asked to speak with an account supervisor, XXXX, who did further research and confirmed that I do not need to complete any forms in order to receive my {$800.00} ( US ) funds back and that I will get my funds back in 30 days. I also asked XXXX to file a formal complaint on my behalf with Chase for mishandling my query over the period of five days and requiring me to follow up so many times and needing to speak with so many people about a simple transaction that could have been clarified and addressed initially when I visited the XXXX XXXX branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
On XXXX XXXX I went to pick up meds at the XXXX XXXX After getting a little food I went to check my Balance. There was a Bill pay debit across my Check ing account that left. I didn't know who it was. But I called the Bank to stop payment and returned my XXXX Check funds to my Checking Account. They told me ar Wells Fargo bank that I have to wait until they invegate my Checking Account before they can give me my money back without another banks information at all from where this Bill pay Debit was from.

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 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I ORDERED A FUNDS TRANSFER ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ) ON XXXX XXXX RECEIVED THE FUNDS FROM OUR XXXX XXXX  CHECKING ACCOUNT, BUT THE RECIPIENT STILL HAD NOT RECEIVED THE MONEY. I CALLED TO FIND OUT WHY. THE XXXX XXXX GAVE ME AN APOLOGY AND A WORD SALAD EXPLANATION THAT MADE NO SENSE. SHE SEEMED TO SAY XXXX ( PAYPAL!!! ) ISN'T CONNECT TO BANKS. I EXPLAINED THAT IF THE MONEY WAS OUT OF OUR ACCOUNT THEN IT IS IN XXXX 'S ACCOUNT! THE MONEY DOESN'T FLOAT AROUND IN CYBERSPACE FOR SEVERAL DAY - IT LEAVES XXXX ACCOUNT AND GOES TO ANOTHER. SO NOW THEY WILL SIT ON MY FUNDS UNTIL XX/XX/year> - AN ENTIRE WEEK 'S USE OF CUSTOMER FUNDS. IT SEEMS PRETTY CLEAR THAT THEIR PATTERN AND PRACTICE OF BUSINESS IS TO MAKE MONEY ( EARNING INTEREST ) OFF OF CUSTOMER FUNDS WITH UNREASONABLE DISBURSEMENT DELAYS. NO OTHER MONEY EXCHANGE DOES THIS! HERE IS THE EXPLANATION I RECEIVED FROM THEM BY EMAIL : Dear XXXX XXXX, Thank you so much for contacting us. We reviewed your concern regarding the completion time of your transaction. In some cases, XXXX must wait for payment processing to complete from your payment source before sending the money to your recipient. This typically takes between XXXX to XXXX business days, but the funds will be delivered by the stated date available, as listed on your receipt. We sincerely apologize for any inconvenience this may have caused. 

This claim has been denied and the case is now closed. If you'd like to request a copy of the documents that we relied on in making this decision, please contact us. You can also mail your request to : XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX In your request, include your name, the email address on your XXXX account, and the Case or Transaction Number provided. 

Sincerely, XXXX Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-03 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I disputed these 2 accounts with LVNV funding. they were unable to validate the debt therefor they deleted the accounts. However it was only deleted from my XXXX report an is still reporting to my XXXX consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I have made the following payments to AidVantage and the payments are not reflected in my transactions as my other monthly payments are. 

The dates listed are the dates and amounts deducted from my personal checking account, and in the bank memo it states that is deducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I spoke at length with a customer service representative in the organization 'help ' chat box. However, they could not provide a reason as to why the above transactions are not itemized with the rest of my payments. They also refused to provide a conversation transcript. They would not put me in contact with any individual via phone. They would not offer a solution or a point of contact to have my accounts and payments audited. They could not tell me where the money deducted from my accounts went. And they would not advise how I could get my loans transferred to a different federal loan handler.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I took out a loan of XXXX and I ended up falling behind due to financial issues. I initially called to get the loan on XX/XX/XXXX, but actually got funded XX/XX/XXXX. I ended up calling the company to get put on a settlement plan to avoid interest and fees. I spoke to an agent in XX/XX/XXXX and they assured me the loan would not accrue any more interest, the overall loan amount would be lowered, and that I would only pay about XXXX each month. I was shocked however that on XX/XX/XXXX I was charged XXXX. I asked what happened and they said that it was an error since only accounts on collections are eligible for settlement. They also said I would have to wait XXXX to XXXX weeks before the loan defaulted and got sent to collections. Basically I would have to miss that many payments due to the new system being put in place. In the old system it only took about XXXX to XXXX missed payments to be sent to collections. I am now concerned because I am now dealing with very high daily interest rate. Aside from that I am worried about other fees that I am going to incur. I just want this situation to be remedied as soon as possible because I have other bills to pay at this time. The company said they can not do anything at this time since the system will not allow it and that I can not talk to collections until the loan has defaulted. Aside from that the only solution they offered is to pay my loan or a discounted offer if I decided to pay the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection account reported on my credit report. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX account has been closed since XXXX. They have been reporting on my XXXX, Equifax for XXXX  years. When I contacted the credit bureaus they advised me that this account will be reporting for an additional XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint : Issues with Savor One Credit Card Restriction Details : Card Application and Approval : Applied and was approved for a Savor One Credit Card with a {$2000.00} credit line. 
Card Activation and Usage : Received and activated the card. 
Made purchases well within the credit limit ( less than 1/4th of the credit line ). 
Account Restriction : The card was declined the next day. 
Account showed as restricted upon logging into the Capital One account. 
Customer Service Interaction : Contacted customer service for clarification. 
Received vague, scripted responses without a clear reason for the restriction. 
Was instructed to submit the following documents to verify identity : Front and back of the drivers license. 
Front of the social security card. 
Proof of residence ( utility bill ). 
Document Submission and Issues : Uploaded the requested documents via the secure link provided. 
Received a call two days later confirming the drivers license and social security card were verified, but proof of residence was not. 
Initially submitted a water bill with the physical address. 
Submitted a medical bill as an alternative ( both were rejected ). 
Advised to submit a bank statement, which was also submitted. 
Final Outcome : Account was permanently restricted to payment-only status despite providing all requested documentation. 
Complaint Summary : The process of handling my Savor One Credit Card account restriction is unacceptable. If there were any concerns about my identity, such documents should have been requested during the approval process. Despite providing all the requested documents, my account remains " pernamentely restricted ''. 

Resolution Requested : I was eager for the opportunuty to establish my creditworthiness once more and capital one essentially got my hopes up and then just shot me down. I am in total disbelief. This is unacceptable on so many levels to treat a customer this way and with absoloutely no explanation. Everything seems to be shrouded in secrecy, I honestly doubt there really is even a valid reason other than just to XXXX with people. 

When you approve somebody for a line of credit, your essentially stating that the maximum amount of money you are willing to risk on that individual is XXXX  amount of dollars. Why even approve people if your just going to close there accounts? 

What a horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
I kindly requested XXXX and Equifax to provide physical, verifiable evidence to substantiate the account 's existence and permissible usage but they did not. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: IL

Complaint narrative:
Company closed card due to fraudulent charges yet refused to refund fraudulent charges and failed to block merchant resulting in a violation of my privacy, as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX and I had a number of conversations about starting a banking relationship. I relayed my goal of transferring approximately {$30000.00} of US Treasury Bonds, from my account at TreasuryDirect.gov to an account in my name at TD Bank. Part of the process I was told, was maintaining a checking account for a month. I initiated and funded the account with cash from another bank. 

At a face to face meeting today, XX/XX/year> at XXXX ET, XXXX directed me to XXXX XXXX XXXX They were both very helpful as we filled out the FS Form 5511 to initiate the transfer. But, XXXX lied and invented a story of my alleged assent to a managed investment account. When he made clear the costs of such an account I canceled the transactions and left angry.

Company response to consumer: Closed with explanation