vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: OH

Complaint narrative:
In XXXX, 2020 I called XXXX XXXX, XXXX, XXXX  to cancel my membership due to the fact I had XXXX  and suffered XXXX XXXX XXXX and unable to work much less work out. I went to the gym and they were closed so I had to phone them for immediate cancellation of my membership, which the manager on phone duty assured me the account was cancelled. I began noticing ongoing withdrawls from my bank account and continued to call and email ( emails attached to this complaint ) during these last phone calls/emails I was assured by XXXX XXXX XXXXhat my account was canceled and there would be no further activity against my bank although they refused to refund me for the past 3 years of billing. Needless to say, the continued to take funds from my account at which time I contacted my bank which also got involved and canceled all my debit cards to stop the illegal withdrawls per my email demands for cancellation. I have now received collections against my credit report dropping my score XXXX points for a fraudulent charge and they refuse to remove it. I have also reported to the Ohio Attorney General. Please remove this and refund the past 3 years of illegal charges in the amount of {$29.00} for 36 months in the amount of XXXX of illegal, unauthorized and fraudulent charges against my bank account after knowingly accepting my cancellation demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I send the following message to XXXX because I do not have an email provided from them to deal with my previous complaint that is currently being investigated. See complaint no. XXXX filed with your office on XXXX I also filed complaint to dispute this transaction with Wells Fargo on XX/XX/ and haven't received a response back. This is what led me to contact XXXX who was handling the previous complaint with your office. They are not being too responsive to the matter. This shouldn't take this long to get a credit back to my account. 

I need to add to this complaint, as I reached out to the contact who is supposedly " investigating '' my complaint at Wells Fargo and told her how I was charged for items I ordered on XXXX on XX/XX/, but then about an hour later cancelled them because they were ordered by my husband erroneously. The total was for {$66.00} and XXXX cancelled the order IMMEDIATELY about an hour later, zeroing out the invoice telling me that nothing was billed. However, when I placed the order I immediately saw the " Pending '' transaction in my account. I watched for the transaction to drop off since XXXX confirmed nothing would be charged, but it never dropped off, but instead posted and deducted to my account and it still remains DEDUCTED from my account through tooday. I have attached the screenshot showing the cancelled order with the order number from XXXX from XX/XX/ for these two items. I expect this credit to be reversed IMMEDIATELY. 

When I called XXXX who is handling the complaint I made to the Banking commission, she was supposed to send me her email address so I can send her the invoice that XXXX shows as ZERO dollars because the order was cancelled. She never sent me an email so I can email her and when trying to call her back her voicemail is full so I have no way to reach her. 

Again, I expect this credit back to me IMMEDIATELY, as I don't know what is going on with Wells Fargo, but the financial transactions are ridiculous. 

I expect acknowledgement of this email promptly, as I also filed a dispute and have not heard anymore regarding this particular transaction.

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 2024-01-07 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: FL

Complaint narrative:
On XX/XX/, Capital One closed my credit card without my knowledge or approval. They left a remark under my account stating " Account closed by credit grantor ''. I was never late nor did I have a balance to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/2023, XXXX XXXX  XXXX in XXXX, MN. XXXX XXXX XXXX XXXX  until XX/XX/2023. XXXX XXXX XXXX XXXX XXXXl, on XX/XX/2023, I contacted Chime XXXX XXXX to find out how I could change my phone number in order to log in to my account. The XXXX police had possession of my phone linked to my Chime account. I discovered that my account had been drained of all funds and my balance was - {$35.00}. I filed a dispute with Chime XXXX XXXX. I informed Chime XXXX XXXX that I would provide documentation that I could not have made these purchases, as XXXX XXXX XXXX during this period. I provided Chime XXXX XXXX with : ( 1 ) a letter from my XXXX XXXX stating XXXX XXXX XXXX  during this period ; ( 2 ) court records indicating my XXXX XXXX XXXX dates; and ( 3 ) text messages from the person responsible for the charges apologizing for the fraud. Chime XXXX XXXX denied my dispute again. 

I received an email a few days later from Chime XXXX XXXX advertising XXXX 's Zero-Liability policy regarding fraudulent activity. It stated that the customer should contact the issuer. In this case, this was XXXX XXXX 

I contacted XXXX XXXX  and notified them of the facts above and provided all the proof referenced. XXXX XXXX  responded and stated that Chime XXXX XXXX had done an investigation and concluded that because I had made purchases at this merchant before that I was responsible for the fraudulent activity. 

I responded to XXXX XXXX  and stated that the rationale was arbitrary and capricious. If the fraudulent activity had occurred at XXXX 's, would they deny my dispute because I had used my card at XXXX 's before? Their rationale is illogical. I am awaiting a response from that reply to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macys/citi bank credit card company XXXX closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.

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 2024-01-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CCF Intermediate Holdings LLC
State: OR

Complaint narrative:
Rapid Cash had took there payment, Which I was going to have that paid to them in person, because I told them I've had problems before with theft on my Debit cards before to please not take it!? But they hacked my whole pay check of {$910.00} was all Drained before I can get to them, because At XXXX at that time is when XXXX XXXXXXXX are posted, and there is no buses to get anywhere at that time. So they wasn't suppose to take without permission, and no one is to unless they are authorized to! Thanks but no I've recieved a letter from Rapid Cash in the mail before the Holidays that they refunded the amount of {$250.00} back to my account! Huh? No there is not a Balance of XXXX on account! Because I have not seen that money, and there for that account XXXX XXXX Customer service close account concerning this problem so what?! Acc. And there for not seen any money, And for one Why? And for you took take payment that is yours then send me a letter to me,??! That it was put back??! Why? So you comply that It will go to collections agency!!?? Well that wasn't my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XXXX Status Collection account. {$740.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/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 explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
MOHELA has INCORRECT information on my student loans. They have more than 8 payments in my " ineligible '' payment history listed as deferment/forbearance which is inaccurate. I have printed documents to support my claim of XXXX back in XXXX. Mohela 's FALSE/incorrect information has resulted in DELAY of my student loan forgiveness and i should not have been paying {$2500.00} since the repayment started. PLEASE HELP! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
XXXX XXXX is reporting XXXX and XXXX credit cards on my account after being notified of identity theft and fraud these account and balance do not belong to me I have reached out on this numerous times now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/23 I did a transfer of XXXX from Santader Bank to my XXXX XXXXXXXX XXXX account, since I didn't receive the money I call them and then I realized that I did a mistake I put it a wrong account number, so the filled a claim, I was waiting until they answered that the other part didn't give any answer about it. I call XXXX XXXX and they said the claim has to be discussed between them, so I don't know who is telling the truth the only thing I know, I am losing my hard work money without any consideration.

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 2024-01-07 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: Self Financial Inc.
State: MI

Complaint narrative:
I have had problems with identity theft and fraud on my records for years. There are several accounts on my credit report that do not belong to me. My identity has been hacked, sold on the dark web and I have been informed by several hospitals that I attend, that their systems were hacked into and my info was used by the hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MI

Complaint narrative:
I have had problems with identity theft and fraud on my records for years. There are several accounts on my credit report that do not belong to me. My identity has been hacked, sold on the dark web and I have been informed by several hospitals that I attend, that their systems were hacked into and my info was used by the hackers.

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 2024-01-07 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: AL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an alert that a payment was made to my Self credit builder personal loan account of {$15.00} for a late fee. At this time, my account was current in its standings with no indication of a late fee being required as the account, which was accessed on the app, reflected {$0.00} owed and the balance was current. On XX/XX/XXXX, I received another alert that a second {$15.00} late fee payment was applied to my account. I did not authorize the total amount of {$30.00} in unexplained late fees to be made nor processed to my account. I contacted immediately by phone and was informed that the payments are shown as being made manually ; as if I made them. My account at the time was set up on auto payment for my monthly payment of {$25.00} to be made on time from my registered bank account. The same bank account that the fees were being made from. I informed them that I did not authorize these payments and was advised that they could not help me nor stop the payments that were showing a pending status. I had accrued a {$15.00} late fee in XXXX and XXXX, both of which were paid. I removed my bank account and turned off my auto payment and still received an alert via email today, XX/XX/XXXX that a late fee is on my account to be paid. The account currently reflects {$30.00} in insufficient fund fees, {$15.00} in overdue fees a {$1.00} late fee. My payment due date was adjusted and done so by myself for the XXXX of every month. My next payment is due on XX/XX/XXXX. My account is reflecting it is 16 days to this very day, late, and I owe a total of {$71.00} to bring my account to current. The company is refusing to resolve my account problems and fix the errors I am facing by putting my account back to a current status with all overdue and late fees removed and bringing it to a status of having a {$25.00} monthly payment balance on the account as it should reflect but does not at this time. 

I have made attempts to email and correspond with their dispute department via their dispute email : XXXX but have been told once again that I must contact my bank to have any payments stopped and flagged as fraud and then they will proceed to remove my bank account, which I already did myself, but will NOT remove the fees accrued due to their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dividend continue to ignore my emails and requests for appropriate documents. I have contacted them a number of times and I receive no response. despite those email addresses from Dividend being responsive in the past.

They still have not provided me the requested documents. 
1. A copy of my complete file 2. The Agreement between Dividend and XXXX XXXX. 
3. Documents from Dividend Finance confirming each milestone installation were met with XXXX XXXX ( photos, receipts, permits, inspections etc. ). 
4. Documents authorizing Dividend Finance to release monies to XXXX XXXX on consumer behalf? 
XXXX. Documents from either the State or Federal Government crediting Dividend Finance for any solar incentives.

Despite my efforts my email requests to Dividend goes unanswered.

Dividend have also placed a lien on my home without notifying me, which I discovered on my own via my county clerk website.

They the lender are in violation of the Florida lien law by not providing me with a copy.

when filing a UCC Financing Statement that has been recorded, a copy must be sent via registered mail ( return-receipt requested ) to properly notify the owner. Apparently, these steps were not followed. But that is not surprising given the way Dividend has handled everything so far.

When I discovered the lien I also discovered a notarized document from XX/XX/2023 with my signature forged on there. 
I never signed nor was in the presence of a Notary ever for any Dividend  or XXXX XXXX documents. there are quite a number of their consumers with this very same complaint. 
Florida law prohibits a notary from notarizing any signature if the signer is not present at the time of the notarization.

Dividend are hiding behind criminal activity through their contractors, trying to wipe their hands " free and clear '' of responsibility ( permits, inspections pto, warranties etc. ) just to turn around to intimidate and demand the Homeowners to pay them back. 

Paid XXXX XXXX, in advance, prior to installation being complete and accepted loan payments from XXXX XXXX on my behalf when installation was NOT complete. 

Some of the COMMONALITIES that others and I share with the Lender 's actions are .... 
1. Forgery 2. Fake email addresses ( documents were never received ) 3. Deceptive sales tactics and intimidation tactics used to coerce consumers to sign undisclosed documents during sales pitch ( Lender was on phone with sales rep!! ) 4. Targeting the XXXX  and elderly  5. Promising false tax incentives and in return increasing monthly payments 6. Targeting low-income consumers 7. Promising deceptive low interest rates and in return increasing the rates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Maximization Group, Inc.
State: NY

Complaint narrative:
Dear Sir or Madam. 

XXXX XXXX XXXX has put a collection on our credit report for a service that they did not provide. 

We went to this facility to measure my daughter for contact lenses. They gave us a prescription that turned out to be incomplete and tried to charge us for the service. 

When we went to purchase the contact lenses from the store we were informed that the prescription was for a regular eye exam and did not contain the contact lens measurements required to order contact lenses. 

When we went back to the facility they told us they can't measure for contact lenses. We only went to the facility because of the contact lens measurements and stated as much in the beginning. If they had let us know they could not provide the full service, we would have never agreed to an exam. 

We ended up having to go to another facility and pay for proper contact lens measurements. 

Address of Physician XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, New York 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 explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Submitted initial Re-Pay application and requested SAVE program. Initial determination was for XXXX XXXX XXXXXXXX. Called Nelnet on XXXX and was told that my payment should be XXXX XXXXXXXX on the SAVE plan. Was told to re-submit application. Received an email with instructions and pre-filled application. Submitted this second application on XXXX. Received notification that application was received on XXXX. 

On XXXX I received a communication from Nelnet that an administrative forbearance was applied until XX/XX/2023. 

On XXXX, I contacted Nelnet to inform them of a change in my financial status as I would be unemployed effective XXXX. On XXXX, I received a letter from Nelnet requesting income verification. I sent a copy of my social security income verification, a copy of my husband 's social security income verification, and a copy of a XXXX XXXX pension that I receive. 

Finally I received a determination and my monthly payment was reduced to XXXX XXXXXXXX on an income contingent repayment plan, .not the SAVE plan. 

I called Nelnet on XXXX and spoke with XXXX, who recalculated my monthly payment and stated that I should be on the SAVE plan with a monthly payment of XXXX XXXX. XXXX XXXX, she submitted a request for redetermination and that I should have a re-determination in 2-3 weeks. I did not receive a re-determination. I received an administrative deferment until XX/XX/2023. 

On XXXX, I called XXXX and spoke with XXXX. XXXX reviewed my records, and again, affirmed that I should be on the SAVE plan with a payment of XXXX XXXX. She re-submitted a request for re-determination on my behalf. I did not receive a re-determination. 

On XXXX, my payment date was approaching. I called Nelnet yet again on this date. I spoke with XXXX, who reviewed my file and re-calculated my monthly payment and affirmed, yet again, that I should be on the SAVE plan with a payment of XXXX XXXXXXXX. XXXX apparently spoke to another representative and was told it would take 1 month for a re-determination. XXXX processed a deferment for another month making my payment due on XXXX. 

It is now XXXX, and I have yet to have a redetermination on my account. My payment of {$370.00} is due on XXXX. I can not afford this payment as my only source of income is social security and a small pension. I have been told by representative on multiple occasions that I should be on the SAVE plan with a payment of XXXX XXXXXXXX. 

I will need to request another deferment as I can not afford this payment. Nelnet is extremely difficult to reach by phone as I have experience hold times in excess of 1 hour. I have been diligently working with Nelnet for > 6 months to get this issue resolved. Yet it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macys/citi bank credit card company XX/XX/XXXX  closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.

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