vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: SC

Complaint narrative:
I do not have a contract or written agreement with this company,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
They reported late payment in a fully paid account and that a violation, the account is USDA XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
A store impersonator tricked me and asked me to transfer money to receive the items. 
The transaction occurred on the evening of XX/XX/2023 to the morning of XX/XX/2023. 
I filed a complaint with paypal and they did not accept the refund. The total amount is XXXX XXXX.The transaction company is Paypal and the credit card is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX, I was surprised to discover that Apple Card had decreased my credit limit without any prior notice. The company insist I was notified by email prior but as of XX/XX/XXXX I have still yet to receive any correspondence from Apple Card. I have requested the company submit documentation verifying prior notice was communicated which they have refused. In speaking with a Apple Card Specialist I was advised this action was taken in response to a charged-off account that was reported to XXXX on XX/XX/XXXX. I want to emphasize that I have maintained a strong payment history with Apple Card, never missing payments, and consistently paying more than my minimum required balance. 

The sudden reduction in my credit limit not only caught me off guard but has also posed financial challenges. This reduction could potentially lead to an increase in my credit utilization, which, in turn, may adversely affect my credit score. The domino effect of a lower credit score could lead other lenders to perceive an increased risk and subsequently lower the limits on my other credit cards. This situation is a cause for concern as it can have lasting consequences on my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2023-10-20 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
Pay off credit building loan paid {$150.00} that was left paid in XX/XX/2023. Can not get in contact with them it won't me log in to their account for this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Grain Technology, Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a customer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment o a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2023 XXXX lied and stated the following were not be reported on my credit report. 

CAPITAL ONE XXXX XXXXXXXX XXXX XXXX CAPITAL ONE AND XXXX were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as CAPITAL ONE and XXXX XXXXXXXX XXXX. 

This is FINAL NOTICE to remove stated accounts IMMEDIATELY! 

If not removed I will proceed with civil action as the same violations keep occurring. 

Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
In XX/XX/2023, I disputed old information that should have already been removed AND recently changed student loan information that also should be removed. The information did not change even though I provided documentation to show it should be changed.

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 2023-10-20 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: NY

Complaint narrative:
I have not received any communication regarding the XXXX charges that I did not make. The dispute was closed, with no written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: OH

Complaint narrative:
They repeatedly failed to update and correct my name and address and remove all incorrect information even after me filling disputes on both XX/XX/2023 and XX/XX/2023. 

Then I call Experian on XX/XX/2023 and explained to the agent that they keep maintaining incorrect information names and addresses on my credit report and failing to correct it ; the agent told me we wasn't going to correct it and that there was nothing I could do about it. I became very upset, then decided to for my own health to leave it alone for then. 

Experian 's failure and refusal to correct my credit report have caused and perpetually continue to cause damage to my credit./credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have received a letter XX/XX/2023 in the mail saying I owe an alleged debt. never got enough information. also didn't get enough time to respond, couple of days later it was on my consumer report. I have sent them a dispute letter to remove inaccurate information. The reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/23 I used my Citibank credit card to pay a {$900.00} payment at my credit union. On the same day, I paid a {$900.00} payment on the Citibank credit card. I now understand this was considered a money transfer and I was charged a {$45.00} cash advance fee, as well as {$16.00} interest charge. I was told by a Citibank representative on XX/XX/23 that payments are applied to the minimum amount due in each category of charges, then to the highest interest rate balance. The minimum payment due at that time was {$83.00} due on XX/XX/23. I also paid another payment to Citibank of {$1000.00} on XX/XX/23, making a total of {$1900.00} paid for the month. Citibank posted and began charging interest on the {$900.00} on XX/XX/23. In spite of the {$1800.00} payment above my minimum payment they only credited a couple of XXXX of that to my highest interest rate balance of {$900.00} leaving {$640.00} subject to a 29.99 % interest rate. Rather they applied it to my much lower balances. I was told they will not credit payments made to the highest balances until the next statement. That seems unfair since they charge interest immediately, but will not apply payments made above the minimum to the highest balance until the next statement where the balance shows, thus forcing the consumer to pay the exorbitant interest rate. I was also informed they charge interest on the interest that has accrued. That seems excessive, greedy, and unfair.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Numerous Credit inquires against my credit in last few days that i did NOT make ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc

Complaint narrative:
I engage in a XXXX agreed upon loan that is pre-authorized debited from my account on the XXXX of every month. This loan began XX/XX/XXXX and comes to term XX/XX/XXXX. The amount per month is {$60.00} In XX/XX/XXXX a duplicate payment was taken, one on XX/XX/XXXX and the other on XX/XX/XXXX. I have been disputing the XX/XX/XXXX transaction since XXXX with the customer service and collections team. Initially the Collections team ruled in my favor and stated a credit would be applied within 5-7 business days which had never come to fruition. I had been following up with the company on a weekly basis to which they have been " escalating my case '' each time. After multiple reach outs and multiple escalations, I asked to consult with a supervisor. The loan companies protocol for supervisor call back is by verbal or written request in which there is a 24-48 hour turnaround for call back. I've requested a supervisor call back 4 times to no avail. The customer service team randomly reached out to me early XX/XX/XXXX to ask for proof of the duplicate charge which I had already provided and explained in detail in XX/XX/XXXX To date there still has not been a credit applied to my account and I have since filed a fraud report with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
i am a victim of identity theft, please see my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are hard inquiries on my credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries they are all in the same year and less then XXXX to XXXX months apart which does not make sense. 
Also I have hard inquiries for CAPITAL ONE ( Bank ) XXXX XXXX, XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XXXX XXXX, XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am reaching out today to speak out against the Atrocities that BETHPAGE FEDERAL CREDIT UNION has put me through and that no other consumer shall. 

I applied last XXXX ( XXXX ) for a used automobile loan. 

They voided my approved loan of 6.6 % despite me following up with all necessary criteria. 
Try to get me to run my credit again Then say theyll work with first pull and then try to Jack the rate on me despite me already getting approved. 

Ever since then they have been double charging me on automatic payments I requested this to be stopped XXXX so far They do not care. 

They tripled my interest rate after failing to tell me Im receiving title and need to go to XXXX. 

No issue I still paid every time on time They even lost my money for XX/XX/XXXX payment which I made in branch as I do with all payments after this whole double charge fiasco and tried double charging on XX/XX/XXXX. 


I go into branch for XXXX payment the XXXX and it says a late fee is pending for the XXXX. 

I have requested the card not be charged but yet they continuously charge it in attempt to make extra {$25.00} every time I had voiced my concerns and BETHPAGE FEDERAL CREDIT UNION has terminated my account. They sent me a survey on how I feel and I let them know,

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to request documents that I signed when opening my account and both the customer service representatives, and the branch tellers refuse to give me my documents. I have tried it multiple times, and they continue to redirect me after making multiple attempts to obtain my initial agreement and account disclosure documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2023-10-20 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: SC

Complaint narrative:
The morning of XXXX  the XXXX I called my bank chime inc to request a new card. I called the number XXXX XXXX XXXX XXXX at XXXX outgoing call and they called me back at XXXX and I was under the impression that I was talking to the bank, and I was not I was talking to a scammer. They informed me they were real. They wasnt going to take my money. They were chime. Informed me multiple times after telling me I could trust them. I then downloaded an app. They told me that It was protocol to verify my identity for chime. I then proceeded to download the app XXXX  XXXX XXXX. they then proceeded to tell me to send money through my checking and savings account to verify I was real while I was on the phone the whole time they were taking my money. The man on the phone was still saying he could be trusted. I sent the money forcefully not knowing it wasnt my bank. It was a security breach through chime. I called my bank and my bank called me back. I was under the impression the whole time I was talking to my bank and when my money was gone in all accounts checking savings and credit builder. He hung up the phone. I then called back immediately and the number was disconnected. I was very very upset. I cried and cried. I had no other options. I just got paid my paycheck the day before. All of my money missing. XXXX in every account. I called chime begging and pleading to dispute my charges and please please help me. I have a family to feed and babies to take care of. They told me there was nothing they could do. It was all my fault. I sent the money. They couldnt dispute my charges and nor did they want too no one could help me get my money back. I then had to go take a title loan out to be able to survive the next XXXX weeks without any money for me or my children. I could only get a small loan with a XXXX percent interest rate. All because I had got scammed. I called the police right after and made a police report. I will add that below. I contacted chime and those emails will also be below. I made a police report and a chime fraud report and still couldnt get my money back. I have yet to get any money or any help through chime. I then saw the news article about chime inc being found guilty of illegally forcing consumers to waive their legal right and failing to provide security to consumers. As a result chime is required to refund affected consumers XXXX XXXX dollars to CFPBs victims relief fund. I am a victim of this crime and I will do everything in my power to get my hard working money back for me and my childrens sake.

Company response to consumer: Closed with explanation