vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Customer Service U.S. Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Incorrect Late Fee Charged and Auto-Pay Issue Dear U.S. Bank Customer Service XXXX XXXX am writing to formally file a complaint regarding a late fee of {$30.00} charged to my State Farmers XXXX account XXXX Account Number : XXXX ) on XXXX XXXX XXXX I believe this charge was issued due to an error that occurred when I visited the XXXX XXXX  branch in XXXX XXXX to verify the proper setup of my auto-pay, and I am deeply dissatisfied with the outcome.

In XXXX XXXX, I went to the Montclair branch to confirm that my auto-pay would continue while I was going abroad for an extended period. I was going to XXXX for 9 months and would not be returning until XXXX XXXX, so it was imperative that the auto-pay function was set up properly to ensure my bills were paid on time. I was assured by the branch representative that everything was correctly set up and that no further action was needed. However, I was later informed that the auto-pay was inadvertently canceled on XXXX XXXX XXXX which led to the late fee being charged. 

Since this error was made by the bank and not by me, I believe that I should not be held responsible for the late fee. While I was out of the country, I did not have access to my account, and it was only after a video call with my husband in XXXX XXXX  that I became aware of the issue. My husband, who is not listed as an account holder, could not access the account on his own and required my assistance to make the payment once I returned to the XXXX. 

Given these circumstances, I respectfully request that the {$30.00} late fee be refunded, as it was not a result of any negligence or oversight on my part. I took the necessary steps to ensure everything was in order before I left for my extended trip, and the mistake was entirely due to the branch 's error. After speaking with a supervisor named XXXX, I understand that US Bank has declined to reverse the charge based on the claim that the fee is over XXXX months old, but I believe this policy does not account for the exceptional circumstances in this case. 

I would appreciate a thorough review of this matter and a resolution that acknowledges the banks responsibility in this instance. I have been a loyal customer of US Bank for several years and hope that we can resolve this issue fairly. 

Thank you for your time and attention. I look forward to your prompt response. 

Sincerely, [ Your Name ]

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 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: AZ

Complaint narrative:
This debt was sold to a third party who has called me 19 times in 5 days at all hours of the day including before 8 and after 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
According to Section 605B of the Fair Credit Reporting Act gives the consumer the right to request that credit reporting agencies to block the reporting of information that was the result of identity theft.

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 2025-01-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I think they do this because I am XXXX XXXX, born in XXXX, but this bank steals money from me by blaming things on their " computer '' that does not seem to track transactions in real time, and when every thing finally gets adjusted it's a total mess. They have already investigated there accounts not being able to show real time activity but did not let me know the result. Why? Because it's about them getting money out of the scams they design that's why. 

So this issue happened twice. First, with a refund that showed up and then got deleted from my account. They provided a credit for me but I ended up having to pay the credit back. They seem to be making money from their dispute process and accounts that don't adjust in real time, making customers think they didn't have funds at a time they actually did and the have to cover their own negative balances that can't be accounted for. 

For the current incident : I have a draft coming out of my account every third of the month ( that I recently cancelled in order to start paying directly ) from a merchant, but it was taking a while to post due to funds not being available in my account. Then I received a letter from USAA saying they declined the transaction of {$310.00} due to insufficient funds. So, that's what made me pay the merchant {$310.00} directly. Then over the next couple of days, I saw my balance drop to negative state and also saw a pending transaction for {$310.00}. Am I XXXX? They told me the would not allow a transaction to go through for {$310.00} due to insufficient funds, but they did allow, stating the transaction was a " pending transaction '' and that it would fall off. So, the transaction fell off, but my account is still negative {$120.00} that can't be accounted for due to the cover up. they say my account is auto decline and they don't give customers money to pay for things so if not, why am I negative? I have had the money in my account for all transactions except for XXXX XXXX  with no insufficient funds fees and no rep from USAA can seem to figure out what their notorious " computer '' is doing, and I'm always having to pay for their mistakes, not this time. If so, I will try to get the money back if I possible, court or something. 

By the way, good luck figuring out transactions since they are misadjusted and not in real time. so transactions at the top are not the latest and the balances are even flat out LIES

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 2025-01-11 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: Credit Karma, LLC
State: FL

Complaint narrative:
I applied for a loan through the Credit Karma app that CK guaranteed I would be approved for. I was denied the loan, therefore eligible for the CK Guarantee {$50.00} payout. Not only did I not receive the payment, but the denial was reported to the credit bureaus and have now affected my credit. I have reached out to Credit Karma multiple times about this, and they have only responded once saying they needed proof from the company that the loan was denied and that it was applied for through the CK app. That info was sent to them by myself and the loan company ( XXXX XXXX ) and they are now ignoring all emails regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Alorica Inc.
State: NY

Complaint narrative:
Opened Debt consolidation account with XXXX, Debts transferred to SST following XXXXXXXX XXXX bankruptcy ( XX/XX/year> ) with minimum explanation or warning. Nearly impossible to pay SST online or reach any customer representative by phone. Website is poorly run and very outdated. Whole situation feels borderline illegal. Claiming me to be past due while giving me zero option to pay online or after many calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MN

Complaint narrative:
Greetings, I applied for a new XXXX plan on XX/XX/year>. Mohela told me with a letter on XX/XX/year> that they received my application ( almost a month later ). 

I then inquired about the status of the application since it had been over 30 days since I submitted the application. 

In response, Mohela sent me the following on XX/XX/year> : " Our records indicate your IDR application was received on XX/XX/year>. You will be notified after the application is processed, applied and affective on your account. Borrowers should expect a lengthy delay in the processing of applications. Further communication will be provided as this develops. '' This is extremely problematic as it's delaying my ability to make payments as I am working towards XXXX XXXX XXXX XXXX. Each month that this application isn't processed is further delaying my ability to reach my goal of 120 months. 

Furthermore, according to studentaid.gov, " if servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or IDR until their application is processed. Interest will not accrue in this general forbearance. '' Please put me into processing forbearance if you are unable to process my application within a timely manner or please process and update my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
Disputed a collection for over XXXX dollars claiming to be for a medical debt. Investigation lasted a couple of days and no information was provided to prove that this debt was mine.

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 2025-01-11 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Designed Receivable Solutions Date of Inquiry : XX/XX/year> Amount : {$1.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
Bankruptcy courts states they do not report or give out any personal information regarding cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
Bankruptcy courts states they do not report or give out any personal information regarding cases.

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 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XXXX XXXX XXXX pulled my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
See attached..I am aware of all data breaches, I have seen class action lawsuit for your failure to look into things, I have sent copies of my disputes to you and other bueros and the companies themselves, next steps will be litigation.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Im complaining due to companies failing to investigate identity theft and misrepresenting consumers ' debts. I have no knowledge of these accounts and they need to be removed immediately.

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 2025-01-11 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my consumer report from XXXX TransUnion XXXX and found that it contains inaccurate and unauthorized information 16 CFR 603.2 ( a ). 

All three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 


Alll three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 

Under 15 USC 1681a ( 2 ) ( B ), a consumer reporting agency is prohibited from including any information in a consumer report unless the consumer has given consent. 

I have not given any consent, written or otherwise, for the inclusion of the disputed information on my consumer report. 

The unauthorized reporting of this information is causing significant harm to my creditworthiness and financial standing.

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 2025-01-11 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: FL

Complaint narrative:
I have reviewed my consumer report from XXXX XXXX Equifax and found that it contains inaccurate and unauthorized information 16 CFR 603.2 ( a ). 

All three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 


Alll three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 

Under 15 USC 1681a ( 2 ) ( B ), a consumer reporting agency is prohibited from including any information in a consumer report unless the consumer has given consent. 

I have not given any consent, written or otherwise, for the inclusion of the disputed information on my consumer report. 

The unauthorized reporting of this information is causing significant harm to my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent account on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I used my Coinbase debit card on a XXXX XXXXXXXX XXXX trip at several gas stations and hotels. These businesses put funds on hold on the card. Gas station pumps put holds on funds higher than the amount of purchase. These holds are typically released within 2 business days. Same with hotel security deposits. I've got hundreds of dollars worth of holds on this card that have been released by the merchants, but have not been released on Coinbase 's end. It's now been weeks and I have not had my funds returned. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Upon contacting Coinbase, they are trying to avoid accountability by telling me that the merchants have not released the holds. This is not true, as I have contacted the merchants to confirm that the funds have been released on their end. It wasn't until I threatened to report them to the CFPB that they've decided to " escalate '' the case to a specialized team. That was days ago and I still have not got any updates. Funds are still being held.

Company response to consumer: Closed with monetary relief