vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2022 a representative from XXXX ( XXXX XXXX XXXX ) called and we discussed moving forward with having a trademark application filed on my behalf. I changed my mind at the end of the call, because something felt off, and Informed them of this verbally AND then in writing via email, but they proceeded to charge my debit card anyway ( which they had on file ). I asked them to refund it and was ignored. I've been ignored since they took the money. No paperwork has ever been given to me, nothing has ever been filed with the XXXX, I have no written contract, no trademark paperwork done, and did not agree to the money being taken. 

The address they use apparently doesn't actually exist. They have since changed the business name on XXXX maps to something else unrelated. 

Chime bank has denied my chargeback case 6 times despite having a police report, verification from XXXX that an application was never filed on my behalf, copies of our communication. Chime refuses to give me copies of whatever this company gave them. I had {$1000.00} taken and I was given nothing in return. Chime has not provided any of the supporting documents for over a month despite saying it would be within 10 days. I've asked repeatedly. They will not tell me why it's denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX 's XXXX ( XXXX XXXX  XXXX XXXX Account # XXXX ( redacted ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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. 

XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I had a balance that was already paid but ended up getting a collection notice for the same amount. The information that was reported was inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Attached you will find images of 7 checks that have been cashed by Comenity bank but not applied to my credit balance. Nor have they been forwarded to another company. I would like my money back. The checks total {$5200.00}. 

Yes, this is a duplicate of another complaint but I am hoping that by providing Comenity with the check images they will have a better chance to identify the deposits and return my money back to me. Comenity has stated that they stopped forwarding payments in XXXX of 2022 and since these checks are dated after that, I am sure they still have my money and again, I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
According to the Department of Education, it states that borrowers who made payment during COVID " can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). '' The borrow must contact your servicer to make the request. 

My servicer is NelNet and they said that only payments that I made during forbearance are eligible. According to their records, I requested for forbearance once ( in XX/XX/XXXX ) and that request was good for only 90 days. In order to stay in forbearance, I needed to make a request every 90 days. As such, I am not entitled to any reimbursement for payments that I've made after that initial 90 days ( because I didn't request for forbearance ). When I requested the initial forbearance, it was not clear that it was only for 90 days. I had requested forbearance in the past and the typical duration is a year. 

I would like the CFPB to contact NelNet on their policy/rules on payments made during the payment pause as I don't believe it meets the intent of the Department of Education 's guidance. I believe NelNet is using technicality ( whether the loan was in forbearance or not ) to avoid or reduce the amount of the reimbursements they need to make. For example, based on their eligibility rule, I'm entitled to be reimbursed for only 3 months - {$790.00}. However, based on the Department of Education, all payments made during the payment pause ( from XX/XX/XXXX to XX/XX/XXXX ) are eligible for reimbursement which would be {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Update my personal information, delete the accounts violating the FCRA and delete the inquiries which I did not authorize

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last XXXX2022 I sent this company a letter requesting for the method of verification that they used to check the accuracy of the things on my credit report but its been over a month now they still haven't provided me the information. They would just ignore it as if they didn't see it. This time I want CFPB to have a record of this letter and complaint about the company 's negligence for I might use them in the near future.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
First, a job offer was accepted from indeed for an unnamed company ( red flag ). They contacted me about an job offer. The offer was great for a large sum of money. At this time the name they said they were was XXXX XXXX. The job offer was for XXXX XXXX XXXX  netting XXXX a year as an independent XXXX. XXXX XXXX was for two weeks paying {$2000.00} at the end of the two weeks. In the final task, I was required to do transfers from my account to theirs and vice versa under the vice escrow account/ company transfers etc. On XX/XX/XXXX I received {$3000.00} from OREGON XXXX XXXX XXXX, XX/XX/XXXX RECEIVED {$2800.00}, on XX/XX/XXXX WITHDRAWAL WAS MADE FOR {$2800.00}, on XX/XX/XXXX WITHDRAWL WAS MADE FOR {$2600.00} into an old WELLSFARGO ACCOUNT. On XX/XX/XXXX i deposited the amounts into a XXXX  account. On XXXX after reading a XXXX XXXX, I closed my account with WELLSFARGO noting the mistake advised to block all future transfers, and XXXX also blocked me from all communication, and I never did receive my {$2000.00} from them. On XX/XX/XXXX, I noted a pending transaction from an attempt to pull {$3000.00} and {$2800.00} in which I called WELLS FARGO and confirmed it was unauthorized, and to not allow those transfers to go through to the new bank checking account. WELLS FARGO confirmed in writing that the transfer was unauthorized and told me by phone, it would not affect the new account. Then, On XXXX, the transfers finalized and drained my entire account prompting overdraft fees and the account to go negative. On the same day, a claim was placed on the unauthorized transaction. WELLSFARGO blamed me denied refund of funds, denied any blame, and then proceeded to advise me to take out a loan to cover the negative funds. I then went to do a police report to report the crime and opened a new account with another bank in the meantime. I have all documentation to show the negligence of WELLSFARGO who has suggested i contact XXXX or the XXXX  to politely ask the scammers to stop draining my bank account. This negligence of WELLSFARGO is demeaning and has prompted me to seek legal help for potential arbitration against WELLSFARGO 's undue diligence. DO NOT TRUST XXXX XXXX ; IF THE JOB OFFER SEEMS FISHY OR TOO GOOD TO BE TRUE< LOOK ELSEWHERE.

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 2022-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I was sent advertisements and offers for loans through this company via email. I guess because I have done other pay day loans I ended up on their mailing list. In a moment of desperation to pay rent, I applied and was approved for {$3700.00} and was told that my payments would be > {$99.00} a month. Well, I have no idea what the interest rate is because they are very confusing and shady about the whole contract. They weren't clear with the terms and so far I have paid over a thousand dollars and only {$200.00} of it has went to the principal. How is this not usury? It should be criminal to charge people this amount of interest. Please help me negotiate something with them. They won't do anything over the phone and no one seems to care when I call that I can't keep this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this several times with Equifax and they refuse to update to reflect the correct status on my bankruptcy. They are reporting my status as a " discharged  XXXX XXXX XXXX when it is a " Dismissed XXXX XXXX '' I have provided documentation several times, as well as they finally updated my wifes report to correct it. They did not do their diligence in contacting the State of Iowa to confirm, if they did, they would know that is was dismissed and they are reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my personal information, delete the accounts violating the FCRA and the unauthorized inquiries

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 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Mortgage servicing company Fay Servicing misappropriated escrow funds, failed to pay insurance policies, purchased unnecessary lender policies despite having sufficient coverage, placed loan in foreclosure even though principal and interest was current, and charged unauthorized fees costing us over {$20000.00} when refinancing the loan. XXXX repeatedly ignored our attorneys requests for information. Please see attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2017 I was laid off and wasnt starting a new job until end of XX/XX/2017. I contacted capital one to inform them I had been laid off and to ask about a hardship program or assistance for months XXXX and XXXX until I can get back on my feet. They informed me since my account was current I couldnt get in a hardship, but once my account went without a payment I could. My account missed XXXX payment but I made that next payment for XXXX. I was promised that my account wouldnt report delinquent to my credit report due to me calling in prior to get help and resolution. I did get a 30 day delinquency on my credit and when I contacted capital one about this they informed me they could not locate the recorded call and there was no notes on my account. I reached out to the CEO via email and they were not empathetic or caring about the situation. I have no other delinquencies on my credit other than this one and have had the hardest time getting this removed. I even paid a company to try and get it removed and had no luck. Im to the point of being fed up with the insensitivity of this company and will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I have been making monthly payments on medical debt since XX/XX/XXXX. Originally the amount was XXXX I had paid the debt down to XXXX. By making monthly payments every month usually before the due date my last payment was XX/XX/XXXX for XXXX. XXXX XXXX stopped sending my statements to the correct address. At some point they claim they sent my statements to my old address, even though, I had been receiving my statements at my current address for almost 2 years. Then turned me into collections & : never told me until after numerous calls to them asking about what was going on with my account. Then promised they would get my account out of collections, since it was there fault, because they sent the statements to the wrong address. At no point did the collections company send me a statement either. I only realized it had been in collections since XX/XX/XXXX : when I got a credit alert! Which dropped my credit score XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I wrote to XXXX, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( redacted ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, Equifax, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ive had a Capital One savings account since XXXX. It started at 2 % and went down over the years as interest rates went down. As rates have gone up they havent raised the rates on current accounts. Online theyre offering 3 % on new savings accounts ( not a teaser rate, that is just the rate ). My account is earning .8 %. I called them to ask why I cant get the 3 % that is advertised and they told me I could get it, but I had to open a new savings account. Thats a lot of work on the consumers end to get a fair interest rate. 
This is typically true with all banks ( I was in banking for 14 years ). When rates go down banks drop what they pay on deposits immediately. When rates go up however, banks create a new name for the same type of account and offer a significant higher interest rate on the new account than they offer their exhausting customers. Its a rip off. Banks are ripping off their current deposit customers and making a ton of money off of it by betting the average consumer wont notice, thus basically providing the banks free deposits and more profit as rates go up. 
I know the CFPB is super focused on unauthorized account openings and various other items, but this needs to be addressed as well. We are in a rising rate environment and banks love taking advantage of people when that happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Update my personal info, delete the accounts violating the FCRA and delete all the inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to EXPERIAN, XXXX, XXXX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Last XXXX2022 I sent this company a letter requesting for the method of verification that they used to check the accuracy of the things on my credit report but its been over a month now they still haven't provided me the information. They would just ignore it as if they didn't see it. This time I want CFPB to have a record of this letter and complaint about the company 's negligence for I might use them in the near future.

Company response to consumer: Closed with explanation