vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Just got off the phone with XXXX XXXX  and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX  and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with EXPERIAN, XXXX, XXXX, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXX XXXX  is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX  is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX  they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX  immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the penny! Have this account deleted 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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
XX/XX/XXXX FNB : First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Primary Acct # XXXX RE Formal Complaint for Predatory Fees/ Failure to Close Business Account I sent {$940.00} out of my FNB account on XX/XX/XXXX ; when I sent this all funds were available, and this zeroed out the account. However, the transaction didnt post until XX/XX/XXXX. When I logged in today, the account was at a negative {$80.00} [ not because of my wire ] but because of your {$29.00} predatory fee and then I was charged a {$35.00} overdraft charge with two additional overdraft charges of {$8.00}. Please see the screenshot below. 

The CFPB prohibits predatory fees in banking. Please see attached publication from the White House. Im filing a formal complaint with the CFPB and the XXXX XXXX XXXX. 

I know that your bank will do the right thing and reverse these predatory fees of {$80.00} and correctly close out the account. Keep in mind, XXXX XXXX XXXXXXXX [ a much larger and more profitable bank ] only charges {$16.00} per month for a fee for a business fundamentals account and there are multiple ways to avoid that fee. Additionally, since XXXX, theyve reduced their overdraft fees from {$35.00} to {$10.00} due to recent inspection with regulators. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I was helping my friend transport his furniture to his new home. At exactly XXXX, i received XXXX separate emails notifying me that I have sent XXXX separate accounts amounting in the total amount of XXXX cents ( XXXX cent each ). I was suddenly perplexed because i have not used my Chime account for approximately 2 years. I had initially downloaded it to see if i could get a small payday advance through them and linked my other bank account so they could see if i qualify based on my transaction history! 
Upon trying to log into my chime account and trouble shooting, it quickly asked me if " XXXX '' was still my phone number. Knowing that my phone number is XXXX, i suddenlv understood that someone hacked mv account and changed my phone number so thev could gain access to mv account I then called Chime Customer Support and spoke to them for over 1 hour while trying to file a claim, we finally successfully logged into my account and updated my credentials, only to find out that {$320.00} was sent out to a person named " XXXX. '' Chime Customer support started a claim in which was deemed unsuccessful. Even after providing documents and official screenshots from XXXX XXXX XXXX showing that I have only had the same number for 12 years which outlasts the longevity of how long ive had a Chime account for. 
After further investigating online, I find that many other people in my shoes filed police reports and with the XXXX and CFPB and received their money back after finally rebutting Chime Claims, which is whv i am taking the time to write this report out to vou all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is violating FCRA laws and my right to privacy. I was checking my credit repor and found there where two accounts listed that were not mine and when asked by these companys to validate this debt showing the original contract that I had with this companies. 

1. XXXX XXXX XXXX opened XX/XX/XXXX  in the Amount of {$3700.00} 2. XXXX XXXX open XXXX XXXX  in the amount of in the amount of {$450.00} Please have this company delete these accounts from my credit file as they are not my accounts and I do not have a contract with neither of these companies XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I called the childs support agency and they said they do not report to the credit bureaus. They are improperly using my credit report. Childs support is not a line of credit. They placed it on my credit report XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: AR

Complaint narrative:
This active debt is enrolled with national debt relief and I have been in the program for over a year and paid over {$3000.00} to this debt management company as they have this enrolled and this third-party company has a representative name XXXX now harassing me and making repeated phone calls For this debt that is already being managed and represented by national debt relief

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am currently in school. I requested an in school deferment. XXXX, initially denied my request. The reason, I was only allowed 4 years to obtain deferment. XXXX XXXX is who granted my loan. Per their website, I am allowed 7 years of in school deferment. 

I submitted this info via mail. XXXX, then stated that my request was denied because the wrong form was used. 

It is my belief that XXXX denied my request because I am an XXXX American male and it is there intent to escalate the amount that is owed by adding on late fees. 

I am in school, my loans should be deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I do t understand I was a loyal customer why this bank decided to close my business checking account I recently found out I didnt even get to use it deposit to the account and now its 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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
late XX/XX/XXXX i requested money be moved from my ira to my checking account i called the bank and they said to scan the request in i did so but i did not here anything i called the bank in early XX/XX/XXXX and the bank said they do not take scans the request and to be made by fax or in person i faxed the request on XX/XX/XXXX i did not here any thing so i called in late XX/XX/XXXX the bank said they had received the fax and it would be 6 to 10 weeks i told them i needed the transfer in XXXX for tax purposes the bank said they could back date the transfer if necessary on XX/XX/XXXX i called to check when i was going to get the money the bank on XXXX said the transfer was denied because my birthdate was not on the fax this not true my birthday was on form i faxed and that i would have to start all over i now have a tax problem for my XXXX return and i can not get money 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 2024-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I leased a vehicle from American Car Sales in XXXX, SC, in XXXX of 2023. Within the week that I signed the lease, American Car Sales and its affiliated XXXX XXXX closed. I was notified that Westlake Portfolio Management had assumed the contract. I have been trying since then to obtain a vehicle license for the car so that it can be legally driven. Westlake has failed to provide the necessary documentation to the South Carolina Department of Motor Vehicles to have a vehicle license issued. I filed a complaint with the SCDMV and after they looked into it, found that there was no title for the car that I leased. Even if I paid cash for the car, I could not get it registered, nor could I obtain a title. On more than one occasion, I have told Westlake to pick up the car. In one instance, the customer service person asked why they should have to pay to come get the car. I stopped making payments due to not being able to legally drive the car. Westlake now has derogatory information on my credit report. When I have asked the customer service reps for a number for the corporate office of Westlake, I have been refused the information. I am willing to return the car, but believe that due to the fact that the car was leased without a title, and Westlake can not provide the title in order to obtain a vehicle license, the contract should be voided and derogatory information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
My complaint has to do with cash apps lack of response to my instant cash out of {$1000.00}. on XX/XX/XXXX  I cashed out money out of cash app. I was trying to cash it out to my XXXX  account that I added moments prior to me cashing out of cash app. When I noticed it did not go to my XXXX  account I contacted cash app support tried to reverse the transaction that went to a wrong account. Due to their lack of response and their inability to adhere to a customer 's needs that money was spent by somebody other than myself. I contacted cash out for weeks trying to get that money returned to cash out cash app would not reverse the transaction. Due to their lack of response I am now out {$1000.00} I believe cash app should pay me back the {$1000.00} because I tried to reverse the transaction seconds minutes after I hit the cash out button.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I received a collections notice that stated that I had until XX/XX/XXXX  to dispute debt and they must stop collection. On XX/XX/XXXX  I sent in a dispute about the exact amount owed not being {$710.00} to XXXX for 2 months of usage. I was informed that I should hear back within 7 days to continue the investigation. On XX/XX/XXXX  this debt was added onto my credit report without any other notices or contact. On XX/XX/XXXX  I received a letter stating that the creditor sent information to validate debt. I was never given an additional 15 days to continue dispute. I actually only paid {$630.00} after disputing directly with XXXX on XX/XX/. I was not given my allotted time to dispute and discuss the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MOHELA
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a request through XXXX to be put on XXXX XXXX from the XXXX plan I have been on for years. On XX/XX/XXXX, I received an electronic message from Mohela alerting me I was denied the XXXX XXXX ; however, reason or denial was not included in the letter. As a result, I called Mohela on XX/XX/XXXX immediately after receiving this letter and was placed on hold for several hours until I finally was able to speak with a customer representative. 

The customer representative informed me that I was denied because I had not submitted supporting documentation with my application on XX/XX/XXXX ( which I was never directed to do so ). She recommended I resubmit my XXXX application verbally over the phone with her ( which I did ) and told me it would take 5-7 business days to complete. 

As part of the application I submitted on XX/XX/XXXX, I also requested to be put into administrative forbearance for one month which is required when switching from XXXX plan to XXXX XXXX. I received notification on XX/XX/XXXX I was placed into forbearance that ends on XX/XX/XXXX and that my payment after forbearance ends will be automatically set at the " level '' repayment plan which includes a payment of XXXX which I can not afford, nor did I ask to be placed onto this repayment plan. 

On XX/XX/XXXX, I received an electronic message that my request for the XXXXXXXX XXXX is delayed and will be resolved within XXXX business days. I contacted customer service representative on XX/XX/XXXX to request additional information since my forbearance ends on XX/XX/XXXX and my next payment of XXXX is unaffordable. It took XXXX minutes of being on hold to finally speak to someone. The customer representative informed me that they are experiencing delays processing the XXXX applications and that mine is still pending. She noted that if if my application has not been processed by XX/XX/XXXX, I can call back and ask to be placed on forbearance for another month so that I don't need to pay the XXXX amount. I am also a public servant hoping for public forgiveness after 10 years of repayment. I asked if these months of forbearance will count towards XXXX, and she told me no. 

I find Mohela 's customer service and communication to be extremely poor. I regret trying to change to SAVE plan and should have just remained on my XXXX plan. It's ashame this is happening. I am literally counting down the years and months that until XXXX is achieved. Now it will be delayed due to Mohela 's processing delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
XXXX from TSI called from XXXX, saying he is collecting a ~ {$22000.00} debt i owe to XXXX XXXX from XX/XX/2019, and how would i like to pay this debt. that's impossible, as i've never bought anything from XXXX, and never bought anything for that much money. obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I submitted a check payment for my credit card payment which was due. Capital One is now claiming they never recieved the payment and are charging me a late fee of {$39.00}. 

I am already drowning in debt and cant afford this fee.. I have requested them assist me and they were rude and hung up in my face. 

Also, I am not getting any notification of when payments are due, I have asked them to notify me of due dates and they still do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take note of the enclosed documents, which include a letter and various supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Credit Karma, LLC
State: MS

Complaint narrative:
Someone stole my money from my card in XX/XX/2023 and Credit Karma will not give my money back because they say the transaction from XXXX XXXX  and I was transferring money to my self was the same but why would I despute a transaction that I made. I didn't authorize that transaction and also they tried to still money through XXXX but wasn't enough funds in account so they just keep closing my account and not contact me of anything and can't talk to them only through email for which they do not respond back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: AL

Complaint narrative:
I hate this XXXX company, American Education Services. If a XXXX is one day late with payment, they will call you and harass as though you are 30 days late. The phone reps sound like a bunch of XXXX The only repayment option AES offers me is XXXX in which they " may '' forgive the loan. Typical XXXX  This loan was totaled {$6000.00} but it has ballooned up to {$14000.00} with a 10.26 % interest rate. Just pure harsh. I thought I had settled down they payment back in 2013 to hardship payment of {$35.00} x XXXX due to my status as " XXXX XXXX XXXX' but AES has reneged on the contract and my payments are {$58.00} x XXXX and will increase to {$72.00} x XXXX. This is a horrible company to be offering XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX, and EQUIFAX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX  was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A {$2.00} dollar increase in one installment loan from interest decreased my overall credit score by XXXX points. 

The reporting agencies have put me into a stricter category for assessment of the credit profile and I believe that it is a conspiracy that your going to rare XXXX that crosses the XXXX XXXX instead of me. ( 4-6 months later )

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