vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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: NJ

Complaint narrative:
There is {$9600.00} missing from CHIME account I have tried to inform the company on multiple occasions about this incident but the company refused to assist. In fact it is extremely difficult to react without your mobile device. They even revoked my access to my own account. I don't know what to do. The money was sent to individuals I have NO association with using my chime account. I have requested the bank to help me but their customer service is almost anonymous. I am under a lot of stress because of this. PLEASE HELP ME! 

The dispute Id is XXXX for {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I returned a defective laptop and was not given a refund, despite having obtained an XXXX from the merchant. I started a dispute with the store credit card issuer but the card issuer first claimed the return had not been received ( flying in the face of the merchant 's written admissions of receipt and XXXX 's delivery transcripts ), and then claimed I had already been refunded for my return ( on a date preceding my actual order date ). Card issuer is giving me the runaround and ignoring the facts of my case while adding insult to injury. Please find enclosed my full correspondence with the merchant and the card issuer. 

Company : Bread Financial/Comenity Capital Bank XXXX XXXX of XXXX & XXXX XXXX Credit card Date of First Contact : XX/XX/2023 Synopsis of First Contact : Provided detailed evidence of returned defective merchandise, along with merchant 's return receipt. Comenity responded on XX/XX/2023 alleging merchandise was yet to be received - ignoring all FedEx tracking results enclosed, together with merchant 's own admission of return receipt. 
Date of Second ContacXXXX : XXXX Synopsis of Second Contact : Provided additional evidence including but not limited to merchant 's stated intent to liquidate returned merchandise without refunding consumer. Comenity responded on XX/XX/2023 referring to a past credit predating the actual purchase of the merchandise subject to the dispute as having somehow satisfied this refund request. 
Merchant : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Transaction Amount : {$6500.00} Disputed Amount : {$4300.00} ( balance remaining after partial credit of - {$2100.00} voluntarily issued by merchant on XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, a man from the phone # XXXX XXXX XXXX XXXX, impersonated a chase agent and asked if I approved a wire transfer for {$4800.00}. I said no and he tricked me into approving the transfer saying they were wanting to find the IP address of the person asking for the money and to input the name of the sender to reversal XXXX XXXX and that was enough to approve the transaction apparently. Chase did investigate and found that I did approve the transaction basically through this interaction with the fake Chase rep. Since the receiver of the funds, XXXX XXXX XXXX, didnt want to cancel and release the funds, I got scammed for {$4800.00}. I did some research and found that this a known scam and chase bank still lets the money to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Good night. I describe the problem below. 

I have an account on Coinbase.com associated with the email XXXX, with which I am having access problems. 

They notified me from Coinbase, through emails, that I have to withdraw my funds until XX/XX/XXXX of this year. Yesterday and today, Saturday, I have been trying to log in repeatedly, through different web browsers, and I can not access it. 

When I log in to coinbase.com, it asks me for my access information, which it accepts correctly and directs me to an Updated User Contract, to which after accepting the contract I am directed to a 403 ERROR page. In this way, I do not I get to enter completely. 

I have tried to communicate, however, since I can not log in, I did not know how to ask the company for help. So, I researched the web and found that other users are having similar problems that are not being addressed effectively. I was also able to find information that some users received a response after going to the CFPB, which gave me a little peace of mind since time is passing and I am worried that I will not be able to resolve the problem until XX/XX/XXXX and they will block me completely.. 

I also went to https : //help.coinbase.com/en/contact-us, where through the wizard I have not been able to find a way to solve the problem. I read on XXXX, from the comment of the coinbasesupport account ( official Coinbase support account ) that on this site you can send a form with the claim case, but I did not find any form available to do so. 

Now, out of concern that XX/XX/XXXX will arrive, and knowing that there are users who are not getting responses from Coinbase until after weeks, and they block me completely on Coinbase, I come to you ( CFPB ) knowing that you have been very effective in helping other users to solve this same problem I have. And I thank you in advance. 

Note : I will attach screenshots of the problem and what I describe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: ME

Complaint narrative:
On XX/XX/XXXX I applied on studentaid.gov to have my student loan repayment plan switched from PAYE to SAVE. I linked my studentaid.gov account to the IRS so all financial information would be readily provided. 

On XX/XX/XXXX my application to have my IDR plan changed to SAVE was denied. MOHELA was contacted and I was informed by a customer service representative that the income information provided by the IRS was " unverifiable '' and that the application was denied as such. The agent could not answer how the IRS provided unverifiable information, I requested transfer to a supervisor at which point the representative placed me on a XXXX minute hold before the call was ended by MOHELA without speaking to a supervisor. 

On XX/XX/XXXX I contacted MOHELA again regarding this issue. I was informed by this representative that my request was denied for " unknown reasons " and that they could reprocess the application. This representative asked if I would like to be placed in administrative forbearance while the application was reprocessed, I declined to be placed in administrative forbearance. 

On XX/XX/XXXX I received email notification from MOHELA that my account had been placed on a 90 day administrative forbearance while my was being processed. I again contacted MOHELA. A representative told my secondary application to transfer from PAYE to SAVE was declined because the monthly payment amount on SAVE would be higher and that I was placed on administrative forbearance because of this as well. I reiterated that I had requested transfer to the SAVE plan and understood the payment amount would be higher. The representative informed me it was " standard practice '' to deny any requests that increased payment amounts. I requested transfer to another representative who reiterated the above information but offered to work with a supervisor to again submit a new application to change to the SAVE plan, that the supervisor could " formally request I leave administrative forbearance " and that they could " possibly reinstate the PAYE plan '' as opposed to placing me on the standard " if forbearance is able to be ended ''. When I requested information surrounding why nothing the representative offered could be guaranteed they simply reiterated that a supervisor would have to request my be serviced per my application. The representative again resubmitted my application. 

On XX/XX/XXXX I received an email from MOHELA informing me that I have been placed on a second 90 day administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Scott Fetzer Financial Group Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: DE

Complaint narrative:
I sent letters back in XXXX to all credit bureaus to validate and remove inaccuracies and nothing was done. 

XX/XX/2023 and it cost me {$27.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: DE

Complaint narrative:
I sent letters back in XXXX to all credit bureaus to validate and remove inaccuracies and nothing was done. 

XX/XX/2023 and it cost me {$27.00}

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 2023-09-24 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: DE

Complaint narrative:
I sent letters back in XXXX to all credit bureaus to validate and remove inaccuracies and nothing was done. 

XX/XX/2023 and it cost me {$27.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've sent several disputes concerning these inquiry on my Transunion credit report ; these inquiry is fraudulent and I want them removed.

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 2023-09-24 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: Global Lending Services LLC
State: TX

Complaint narrative:
the collection is showing on my credit as collection practice when it was charged off, they put it on 12 collections and a write off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote XXXX, Equifax and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: IL

Complaint narrative:
I wrote Experian, XXXX and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation

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 2023-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent in my letter for Equifax to review after I received my credit report to ask them to investigate the things on my credit. I had XXXX and been recovering for about 8 years. I had many surgeries. I got sick in 2015 and hadn't look at my report in years. So the information here is wrong. I also filed a fraud report with police and with all 3 credit unions. I know I had several fraud acts but my accounts are locked now. My report from Equifax came back with the same information on it. In fact there is more on there than what I reported initially, so I was concerned about it. Equifax said they did a re-investigation on the paper. How can you do a re-investigation if I did not send anything for you to re-investigate? It was the first time I sent something. I feel like my rights are being violated by Equifax under the - FCRA Violations, Section 609 Stipulations,15 USC 1692, 15 USC1602, 15 USC 1601, and 15 USC 1666 concerning their investigation towards me.

Thank You for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Thrift Investment Corp.
State: NY

Complaint narrative:
Credit Report Inquiry made by this unknown company without my knowledge nor consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
Requested loan refund as now qualify for forgiveness program but need my account to reflect new balance ( not physical money in bank ) and was assured that online account and statements would reflect accurate amount by XX/XX/2023 ( called twice to confirm this date and that the request was already approved ) and when that did not happen I called again and was told vague information about where in the process the refund was and that there is no way to now know how/when the online account can be updated but was told that it seemed to be approved. I now owe this money but there is no way to prove it and thus manage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/23 I applied for auto payment to receive the 0.25 % interest rate reduction. 
I have 13 individual loans with Aidvantage. Only 1 of the loans had the auto payment request processed. 

I have reached out on multiple occasions ( on XX/XX/XXXX, XX/XX/XXXX ) via the inbox method and by phone call on XX/XX/XXXX to check on the status of my auto payment application and it has not been resolved. 
Loan interest is now accruing without the auto payment rate reduction almost for an entire month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX I applied for a pre-approved auto loan through XXXX. The process was entirely online, and was approved fairly quickly. The interest rate appeared to be higher than I expected. When I received a written notification from XXXX, I noticed the credit score was about 50 points low, resulting, I believe, in the higher interest rate. My score on XXXX XX/XX/XXXX across the 3 major credit bureaus ranged from 775-785. The score provided by Experian to XXXX was XXXX. I have talked to both Experian and XXXX three separate times. I will only address the last call with each, but I would like to note that Experian makes it almost impossible to get a live agent on the phone. On the final call to XXXX, I spoke to a resolution specialist named XXXX. He stated that what was provided on their letter was the exact score provided by Experian. When I spoke last to Experian, their supervisor, XXXX, claimed that Experian did not provide a credit score at all, only the credit history data that XXXX then used to generate its own score. I do not find this explanation credible. Obviously one of these two companies has made an error and refuses to admit it. In the meantime, I have a loan I can't use due to the excessive credit terms and a hard inquiry on my credit report for the next two years. Please investigate.

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 2023-09-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
According from credit fair Act This credit has Violation my rights 15U.S. Code 1681 Section602 stated I have the right to privacy. 15u.s code section ( 2 ) 604 A This consumer agency can not furnish my account without written instructions. 15 U.S section 166B A creditor may not treat under open and consumer credit plan as late for any purposes

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
missing information and reported 2 seperate credit collections that has been written off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: TX

Complaint narrative:
equifax is reporting 2 unknown incomplete information such as NA as item name which stands for nonavailable to an unkown account XXXX and a medical bill with XXXX XXXX AND XXXX XXXX AS A collection while it has been charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
I have requested for proof of licensing to collect in the state of Colorado. In the state of Colorado by law debt collectors must have a license to be able to collect in the state. This entity has no license in the state of Colorado to collect a debt which is illegal.

Company response to consumer: Closed with explanation