vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX - XXXX charges for same amount from same merchant ( XXXX ) on same date - put in dispute and a conditional credit was issued. Dispute was closed and conditional credit reversed stating charge was valid. 
XXXX- XXXX shows same XXXX charges - reopened dispute. 
XXXX - Received letter from CitiBank that XXXX ' had been returned to XXXX XXXX XXXX and that I needed to contact XXXX XXXX 
XXXX - Contacted XXXX XXXX- XXXX responded via email that only XXXX charge is valid and to go back XXXX CitiBank to correct. 
XXXX - Citibank reopened dispute and now need to wait another XXXX business days. 
XXXX - Contacted CitiBank for an update and was told I still needed to wait but XXXX ( XXXX ) was sending an 'escalation ' to XXXX ' and provided an email address to send documentation showing there are XXXX charges still on my account and the email documentation from XXXX showing only XXXX charge is valid. Both documents were emailed and received. 
XXXX - Letter from CitiBank - " XXXX com charged your account only once '' for the disputed amount of {$1200.00}. However XXXX charges are still on the account. 
XXXX - Contacted CitiBank - XXXX - This is now the XXXX dispute about this charge. Asked if there was something I was missing and she confirmed the XXXX charges of {$1200.00} on XXXX are still on my account and that the documentation emailed had been received and clearly showed XXXX only authorized one charge. The dispute was to reopened and sent to the 'back office ' to review. Dispute XXXX. A complaint was to be opened on my behalf as well - Case ID # XXXX. 
XXXX - Citibank sent an " Account Update '' stating a copy of the statement was being mailed and that " we must honor any charge presented for payment. If a charge appears ... that was not authorized, please contact customer service. The statement sent is XXXX. 
XXXX - NOTHING MORE FROM CITIBANK AS OF TODAY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
A business that uses Cash App as the payment provider scammed me out of {$280.00} and cash app will not assist me with getting my money back the the person who is over this fake company. I have reached out multiple times and at first I was getting the run around about getting information about my account despite me sending actual screen shots from my cash app sending them all of my information. Then they stop responding to my request via email. Cash App is a company that does not help with the financial security while users use the profile. The fake company is also still active despite being a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
So. On XX/XX/XXXX I noticed I over drafted and went under {$220.00}. I immediately transferred {$500.00} from a money market account but that took 3 days to get there. In the mean time I got 5 {$34.00} over drafts totaling {$170.00} bring my over draft to {$390.00}. That is 74 % of the amount I went over. So that is fine. the {$500.00} brought me to a positive. Do to a miscalculation on my part I went under again this time it was {$58.00} again I get the Overdraft Fee 's this is a total of 7 over draft fees for {$230.00} this put me under for a total of {$290.00}. So this is 4x what I over drafted. How is this legal. As that would mean a person could never get out of this hole.

I contacted my bank they reversed a single overdraft fee ( I did not include in my calculations ). I then asked them when I signed up for the over draft protection and they said I did it back in XXXX. I don't remember signing up for this over draft protection. The form was not my signature but a generated one. As it could have been filled out when I set up my minor son 's account that has to be attached to mine, until he is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-11-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I applied for a credit card that stated XXXX annual fees. Two weeks after receiving the card, I went to make the online payment and notice there was a {$65.00} Annual fee charge. I call Customer Service and informed them that the only reason I applied for this particular card is because it stated XXXX annual fees. The person I spoke with informed me that the only way to waive the annual fee is to close the credit card. I requested that he close the card and I will pay the balance minus the annual that he agreed to waive. I paid the {$250.00} and requested to waive the fee. After several transfers they informed me that they could not waive the annual fee sense I already used the card and the credit card is now close. I stated if I have to pay this annual fee then reopen the card! They stated unfortunately we can not do that! I informed them that the only reason I close the account is because they agreed to waive the annual fee. A supervisor got on the phone and said they will use my situation for better training purposes, however there is no way they can waive the annual charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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:
please see attached file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I sent a validation of debt letter to Harris & Harris Ltd. They were attempting to collect a debt of behalf of XXXX XXXX. Harris & Harris have not validated the debt it has been eight months. I sent my letter on XX/XX/XXXX via certified mail tracking number XXXX. This company caused me to loose my lottery license and job at the XXXX XXXX. The debt is was not validated and is not on my credit. Harris & Harris also is not licensed to collect in the state of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian abused reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - XXXX Inquiry by XXXX XXXX on XXXX XXXX- XXXX I have made XXXX attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX after depositing some money into my account. Chime froze my account. And to this day theyve been giving me nightmares. They keep asking for the same documents over & over. And upon sending everything they asking for. They cant verify my information! Theyre holding my funds with no explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MI

Complaint narrative:
I've been trying to get ahold of this company for weeks. I've been emailing them, calling them. No one is answering or reaching out to me. I've heard many complains about this company as well, as I'm not the only one saying this exact thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have tried getting my monthly payment to be lowered by Sallie Mae several times because I feel that my monthly payment is a ridiculous amount and unrealistic for the amount of money that I make. The interest rates are also very high and continue to go up. I am struggling to make my monthly payments, but every time I speak with a representative they say there is nothing that they can do to lower my payments. They have told me that my loans will have to go into default in order for them to be able to help me, but even then that help is not a guarantee. I do not want my loans to go into default as I know that will greatly hurt my credit score and also my co-signers. Sallie Mae does not try to alleviate any financial stress that many of us have, especially with inflation across the whole United States being at an all-time high. I have called and spoken to several representatives on several different occasions about my payments, however, nothing is ever done to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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:
I spoke with the Experian representative. They told me the late payment for XXXX the {$500.00} secured credit card was opened in XXXX. They agree that the account is closed and paid. I also spoke with XXXX who agreed. Secured card require the funds be in the account. It is not possible for my account to be this late as they would not allow it especially your 6 years. 

On my credit report it states I made my last payment in XXXX. This looks like a serious delinquent payment. The account is over XXXX XXXX XXXX. They seem to keep it active. 

I want this removed and would like monetary compensation since I have been denied mortgages due to this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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 went to look at my credit report and saw accounts i did not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A credit card was opened in my name at XXXX XXXX in XXXX of 2023. I immediately reported this as a fraudulent account to XXXX XXXX, who investigated and found the credit inquiry and the credit account to be fraudulent. The claim number for that investigation is XXXX The findings of that report were then sent to the three credit bureaus on XX/XX/2023. 

On XX/XX/2023, I submitted a dispute with Equifax to have the inquiry and the credit account removed from my credit report. Equifax claimed that they never received any documentation from XXXX XXXX showing that there was an investigation or that the account was found to be fraudulent. 

On XX/XX/2023, I called XXXX XXXX and requested that the investigation report be resent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNTS : FIRST PREMIER XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX THE BANK OF MISSOURI XX/XX/XXXX XXXX XXXX LOANS XX/XX/XXXX SPRING FIN SRVS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX SERVICES XXXX XXXX XXXX : ALLEY FIN XXXX XX/XX/XXXX XX/XX/XXXX XXXX CAP XXXX NA XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDO XXXX CREDIT REAL XXXX FIN XX/XX/XXXX EXETER FIN LLC/WG XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan was with Great Lakes. My school XXXX XXXX XXXX year, so this loan was XXXX. I have an email on XXXX from Great Lakes this has been XXXX. On XXXX Nelnet took {$50.00} from my account. I've sent netnet XXXX emails with the XXXX email information and nelnet has not contacted me. There is another payment expected XX/XX/XXXX that will not be paid, but I do not want my credit score affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX abused reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX abused reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The night of XX/XX/XXXX I checked my TD online account and noticed that my account balance was much lower than expected. Upon reviewing the transactions I saw XXXX large withdrawal transactions. A withdrawal of XXXX and XXXX dollars on XX/XX/XXXX from the XXXX XXXX XXXX XXXX TD bank location and XXXX cents from XXXX bank ATM in XXXX on XX/XX/XXXX. A total of XXXX was taken from the account and XXXX in atm fees. 

I immediately contacted TD banks fraud department and notified them about these fraudulent transactions. The representative I spoke with informed me that the transactions were completed with a newly administered debit card. The debit card I still had in my possession was set to expire XX/XX/XXXX, so the bank automatically issued a replacement card via mail. This replacement card was mailed XX/XX/XXXX but never received by me. The representative informed me that the card was activated by the other party on XX/XX/XXXX then they proceeded to withdraw money. I submitted an affidavit explaining I wasn't the one who made these transactions and had it faxed to TD fraud from my local TD bank location. I closed both my checking and saving account that was connected to the compromised card and reopened new checking and saving accounts on XX/XX/XXXX I've filed XXXX claims with TD bank already, but they keep being denied, saying that a valid card and pin was used to make the transactions and not being further investigated.

Company response to consumer: Closed with monetary relief