vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: MD

Complaint narrative:
I took out XXXX student loans for my undergraduate degree program at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas between XXXX and XXXX. I put these loans in forbearance while I complete two years of service with XXXX and three years of XXXX XXXX When I graduated XXXX XXXX, I was under the impression that the student loans had not become due yet and was not aware I had to make loan payments beginning in XXXX of XXXX. This was the same month I graduated law school. My parents were not living at the address the loan servicer ( Texas Higher Education Coordinating Board ) had on file and the did not have my address. I received no notice through my personal email, nor phone calls. The loans went into default in XXXX of XXXX and my case now is with the State of Texas 's Attorney General 's office. I spoke with a representative from their office today who informed me that it was my responsibility to make sure they had the right address on file. She said that she did an investigation into my case in XXXX of this year and discovered my current address, which I confirmed was correct, She said notice was sent to this address when it was discovered. However, I did not receive this notice. I would have paid the loan right away had I known that it became due and I believe that the notice I was given was insufficient, especially considering that they had my phone number and email address on file. I have sent payment for the original balance on my loan. I was informed by the representative at the State of Texas 's Attorney General 's Office that a case was filed with a Justice of the Peace in XXXX, Texas in order to recover the interest that had accumulated on my loan during the last year and a half. I asked that they send me the information showing that adequate notice had been sent, but the representative said she could not do that. I am happy to pay the loan that I took out, but making me pay {$1500.00} in interest on loans I was not aware were collecting interest is manifestly unfair. Thank you for any assistance you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX, and I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an incident involving a purchase I made at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with Comenity Capital Bank sponsored credit card. 

I was enticed by an offer presented by Comenity Capital bank in collaboration with the XXXX XXXX XXXX, which advertised that I would not incur any interest charges if I paid the total balance by XX/XX/XXXX. Trusting in the integrity of this offer, I decided to open a XXXX  card account with your bank and made a substantial purchase of appliances totaling XXXX. I firmly believed that I would be exempt from any interest charges until the specified date of XX/XX/XXXX. 

To my satisfaction, upon receiving my statement on XX/XX/XXXX ( see attached XX/XX/XXXX statement ), I discovered a warning on PageXXXX. This warning indicated that I needed to pay the sum of XXXX in full by XX/XX/XXXX to avoid accruing interest charges. I took this warning seriously and understood that prompt payment was essential to avoid any unexpected interest costs. 

In response to this, I promptly made XXXX separate payments XXXX amounting to XXXX  on XXXX ( as evidenced in the attached by the XX/XX/XXXX Closing Date Statement ) and another payment of {XXXX on XX/XX/XXXX ( as indicated in the attached XX/XX/XXXX Closing Date Statement ), totaling XXXX. I believed that I had taken the necessary steps to meet the payment requirements. To my dismay, despite my efforts, I was still charged XXXX  in accrued interest. 

What further exacerbated this situation was my subsequent discovery that buried within XXXX of the bank 's statement was an undisclosed " minimum payment '' requirement, which was never mentioned in conjunction with the " XXXX interest '' offer. This requirement was not provided in the XXXX XXXX XXXX on XXXX XXXX of the bank statement. It appears that this additional " minimum payment '' requirement was intentionally omitted from the warning, which is deeply concerning and unfair. This lack of transparency is highly disconcerting and has left me feeling deceived and frustrated. 

I reached out to the company to refund XXXX  accrued charged but they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-05 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurate and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. There was definitely an error. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
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 2023-10-05 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I deposited {$2000.00} ( 20 bills of {$100.00} each ) into the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, an error occurred on the ATM screen, and the ATM did not recognize the money I deposited. When I checked my account, I found that the {$2000.00} was not deposited. 

I immediately called the Customer Service center using the phone number listed on the receipt. The customer service representative verified the Term ID and sequence number on the receipt and assured me that the investigation would be completed by XX/XX/XXXX, and the {$2000.00} would be deposited. 

However, I did not receive any contact until XX/XX/XXXX. On XX/XX/XXXX, I called the Customer Service center to inquire about the status of my claim. The representative informed me that the investigation was still pending and would take more than 10 business days to complete. 

As of now, I have not received any credit or refund from Chase. I hope my issue can be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
I paid my tax bill to my treasury office in my state {$1400.00}. It was took from my account and the was an issue with the check so they sent it back and it has been over a month since and I have yet to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Repeated calls from Transworld Systems ( calling from XXXX ) who said they were collecting a XXXX  debt but would not provide any understandable information as to : 1 ) who the debt was from, 2 ) the amount of the debt, and 3 ) the date of service related to this charge. Each call sounded like it was being placed from overseas and each caller had a strong non-English accent - making it very hard to understand exactly what they were saying. They refused to provide the information listed above until I provided them with personal security information- which I was not willing to do. They absolutely refused to send me any more detailed information either by mail or e-mail. 

They have been calling me or my XXXX  ( separate phone numbers ) several times a week over the past XXXX of months. The callers do correctly identify my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
A. ) Parties with MoneyLion could do nothing in return of an extra dated payment XX/XX/2023 early option, and pre-dated XX/XX/2023 both for {$96.00} total {$190.00}. Called wed and thur XXXX for disputes, referred to Loan Department call at XXXX stated to contact MoneyLion customer service who referred to Loan Department, could do nothing, along with a background negative descriptive/comment referred to Customer Service . I informed them it was processed thru MoneyLion roar Account Plus to XXXX XXXX.Early payment should drop second dated payment. ( It happened before but I let it go. This is my third XXXX XXXX ). B. ) In another complaint an app function for a new account route and account with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX did not facilitate as specfied standard operational procedures, amount of transfer that did Not go through {$1000.00} ( Planned on keeping both financial institutions,? ) XXXX was waiting for a payroll deposit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MD

Complaint narrative:
On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
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 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: AK

Complaint narrative:
Company over charged my balance, went from {$5400.00} to {$7300.00}. With {$950.00} in payments made that month and only {$550.00} in transactions that month. Called repeatedly spoke to multiple managers, they added up the transactions and agree balance is off. But refuse to change to correct amount. Which is damaging my credit score and being over charged by {$2200.00} in fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
My loan ( which was forgiven under XXXXXXXX XXXX XXXXXXXX ) was transferred to Ed Financials. Starting this summer, I started to call to see where my case was in terms of forgiveness. I had been given the run around until I spoke with one agent who told me that the loan would be fully discharged in early XX/XX/XXXX. As of today, I had not heard anything from Ed Financials. I have been calling for over two weeks and leaving a call back number. I finally had someone return my call only to tell me that she could not find my loan in the system, although it's still on my credit report. The call kept getting dropped, she returned call two times. I was told a supervisor would call me back - as of today, I have not heard from a supervisor. I ended up calling XXXX XXXX XXXX. I was able to get an agent who told me that he could see what was going on with my case. He told me that my loan was finally discharged on XX/XX/XXXX. It could take up to a month to reflect on my credit ; however, I am still waiting on my refund from payment I've made. I attempted to call Ed Financials again. The wait times are from XXXX to over XXXX minutes. As of today, I still have not received a call back. I would like to know the status of my refund and get a call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
On XX/XX/2023 I called and reported to EQUIFAX XXXX and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies EQUIFAX XXXX and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
On XX/XX/2023 I called and reported to XXXX XXXX and EXPERIAN that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies XXXX XXXX and EXPERIAN all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer 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 2023-10-05 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: CA

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a savings account with Chase. It pays and interest rate of XXXX XXXX. or XXXX bpts. This is not aa saving account and should not be marketed as such. In fact in real terms adjusted for inflation the account losing money. There should be some minimum threshold tied to an industry benchmark rate that banks have to pay depositors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MI

Complaint narrative:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX  on XX/XX/2023 -- XXXX  on XX/XX/2023 -- XXXX XXXX, on XX/XX/2023

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