vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Ive had this account for about 6 months and in that time, Ive paid 4 payments early and the correct amount were charged to interest and the principal, however the other 2 payment that were paid on time, there are no late charges on my account, the total amount was charged to interest, they cant tell me why the payments that were made on time were all paid to interest and none to principal. 

Payment due for due on XX/XX/23 for XXXX was paid on XX/XX/23 and the total went to the interest. 

Payment due on XX/XX/23 for XXXX was paid on XX/XX/23 amount XXXX and the total amount went to the interest and none to the principal and none to interest, which means a pa total of XXXX in interest with none of that amount applied to principal. 

Seems to me that if I pay on time this loan amount would stay the same

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 2023-05-09 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: ID

Complaint narrative:
There was an unauthorized charge on my checking account from XXXX XXXX  XXXX in the amount of {$430.00}. This was for a bill that I already paid, XXXX XXXX XXXX  charged my twice. I submitted my receipt to show them that and CHIME denied my dispute without providing any reason even after requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account, registered with the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
On XX/XX/2023 I disputed XXXX transactions XXXX from XXXX {$59.00} and XXXX from XXXX {$19.00} {$9.00}, {$99.00}, {$69.00}, {$69.00}, {$49.00}, {$49.00}, {$19.00} totaling. {$440.00}. On XX/XX/2023 my dispute got approved but no credit was given as the bank chime stated that the merchant refunded me the credit on XX/XX/2023 so I check my statement myself then I call them to go over it with me so they can show me where on XX/XX/2023 did I receive the credit and they couldnt find the credits given by the merchant there was only XXXX refunds provided XXXX for {$49.00} and another for {$69.00} so Im still missing {$320.00} as the merchant never refunded me the {$320.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023, I was charged without receiving the service listed in the amount of {$190.00}. I notified School 's First Credit Union the day of the charge with a detailed explanation. I also discussed this transaction with the vender later that same day and explained that I had already submitted a request for reimbursement. I've had to contact School 's First multiple times in reference to this transaction but the results have been less than satisfactory. Now, almost 2 months later, I am still waiting for a resolution. The vender has repeatedly told me they will refund the transaction. I need this resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: MS

Complaint narrative:
I was on Loan Depot site to get pre-approved for a loan. The website and the boxes I selected said that it will not impact your credit score and that it is only a soft pull. However, my credit was pulled and Loan Depot will not delete the inquiry. I have screenshots of every step taking as I completed the application and have provided that to loan depot. They still will not reverse it. Also, they will not send any proof to me showing that I selected anything otherwise as the website states multiple times that it is only a soft pull. I do have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
Planet Home Lending , LLC as servicer of my mortgage loan is charging me {$3600.00} in " total fees and charges ''. Planet has itemized fees on the mortgage statement totaling {$2300.00}. That leaves over {$1200.00} in fees that were never reflected as owed or charged on my monthly mortgage statements. 

There also appear to be duplicate fees/costs charged as far as attorney fees and " foreclosure service cost '' which I dispute as a legitimate fee or cost. 

I was charged {$150.00} for " foreclosure sale costs '' when there was no foreclosure even scheduled for the property as I opted for mediation. The foreclosure case was dismissed in XX/XX/2023, as I received XXXX funds. I believe that Planet over inflated the fees/costs since XXXX was XXXX the payment. 

I requested all XXXX party fees/cost be itemized in XX/XX/2023, however Planet has failed to respond to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I always paid on time that's why this is ridiculous

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 2023-05-10 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: PA

Complaint narrative:
In accordance with the XXXX XXXX XXXX act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I fully paid off several credit card accounts on XX/XX/2023, most of which are reflecting correctly except one for {$7300.00}. I inquired with the credit card company about the amount they reported and they told me they reported a XXXX balance due on XX/XX/2023. 

I disputed the amount Experian is reporting is incorrect and provided them with my bank statement, the same one I've attached for you, as proof and Experian told me, " The dispute for the account was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' Yet it still shows the balance due is {$7300.00}. 

I can't get through to them by phone ; their autobot keeps telling me they can only transfer to an agent under certain circumstances and won't transfer me.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attached the necessary documents to support my claim, This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent the below letter to Barclay Card to dispute a transaction : On XX/XX/2023 I bought a car using XXXX from a private individual for {$5500.00}. XXXX is linked to my Barclay account. Unfortunately, the seller initially provided the wrong email address for the XXXX account. The first payment went to the wrong person. 

There were XXXX payments made that day. XXXX was to XXXX XXXX. The other to XXXX XXXX XXXX. Both payments were for {$5500.00}. The payment to XXXX XXXX XXXX is correct. The payment to XXXX XXXX is incorrect. 

We immediately contacted XXXX in an attempt to resolve the issue. I am attaching the correspondence with XXXX, including correspondence with the wrong XXXX XXXX where she makes it clear that she doesn't know anything about the {$5500.00} and further states I hope you get your money. Despite this, XXXX essentially passed the buck and informed us to take it upwith Barclay. I called Barclay during this time and I was informed to try to resolve the issue with XXXX first. 

To summarize : a payment for {$5500.00} was made to the wrong XXXX XXXX. She makes it clear that she doesn't know me, and has not done business with me. She has not requested {$5500.00} from me. Despite this, the {$5500.00} is still being charged against my card. 

On XX/XX/2023 Barclay denied my claim.

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 2023-05-09 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: AZ

Complaint narrative:
Created a police report the second I found out about the fraud on my account. Contacted cash app to lock my account and send a new debit card. 

Created a dispute with cash app about unauthorized transactions that I did not make or give anybody permission to make. 

There was two transactions that occurred. 
XX/XX/23 in the amount of {$2000.00} @ XXXX ; XXXX XX/XX/23 in the amount of {$2100.00} @ XXXX They denied my dispute saying I authorized the transaction or gave somebody permission to.. my debit card was NEVER lost or stolen or misplaced anywhere. They said a cash card was used during the transaction. My details mustve been compromised. I asked if there was a PIN number used and they wont give an answer. I asked where is this merchant loctated at Also, they dont have information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023, I was notified by email that an account was opened at Bank of America. I went into a branch to make sure this account was closed and marked as fraudulent. I also contacted XXXX to place a freeze so no further bank accounts could be opened. I subsequently received additional emails concerning the opening of accounts in my name. 

On XX/XX/2023, I was notified that another account was opened at Bank of America. I called once again to have the account cancelled. 

I have received physical mail, including XXXX debit cards, about newly opened accounts in my name. 

I'm very upset that accounts have been opened when I had a freeze on my account with XXXX. I want to know why this happened and I want it prevented not only for me but for other customers.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There is information from XXXXXXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXXXXXX XXXX immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Company XXXXXXXX XXXX XXXX XXXX XXXX I had credit with them over 4 years ago. It was written off and never attempted to collect the debt. It got removed from credit profile. 
Collector contacted via email that I owe them. As per California law, collector had 4 years to collect any debt. They did not try to reach out to me before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX I received a letter from Chase Bank stating that my credit card account that was not delinquent and had always been paid on time since opening 8 years ago, would be closed. The reason given was that it was associated with an account that was closed. I am not and have never been the primary account holder of any other accounts at Chase, but my mom did add me onto her checking and savings accounts years ago in case of an emergency. When I reached out to Chase about this, I was transferred XXXX  times. The XXXX  person I spoke with told me that my credit card account would be reinstated and no further action was required by me. A few days later, my mother received a letter similar to mine, but it only stated her checking and savings accounts would be closed. Not her investment accounts OR her credit card account. To date, her Chase credit card is still active. Today, XX/XX/XXXX, I discovered that my credit card account has indeed been closed. I reached out to Chase and was told that the person I spoke with last month lied, that my account is closed and there is nothing I can do about it except apply for a new credit card with them. They would not give me any reason as to why my account was closed. I am frustrated that not only was my account closed after I was told it would not be, but also because I am left wondering why this happened in the first place. I travel frequently for work and had this happened to me XXXX weeks from now, I would have been in another state without a credit card to make purchases with. Speaking for all Chase customers, I feel like we are owed an explanation as to why our accounts are selected to be closed for what seems to us to be random reasons, and they need to work with their representatives about telling the truth when it comes to account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
Over the past year I have received various non stop calls, even after telling them to please stop contacting me via telephone. They keep callinf from different numbers. 
the debt that they are trying to collect has been removed from my CR due to XXXX violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MN

Complaint narrative:
I started an application to refinance my mortgage with AmeriSave Mortgage about mid XX/XX/2023. My husband and I wanted to put an addition on our house. I was not able to come to an agreement with the builder we were working with so we did not move forward. I contacted my loan officer to close that application but I continue to receive multiple txt messages and emails regarding additional information needed to close my loan. I started responding nicely that I'm not moving forward with the loan and my file should be closed but I continued to receive txt and emails. At one point I responded that I would report them for harassment if they didn't stop contacting me. I still get txt message and emails every couple of days. I'm not sure if its actually coming from a person or if these are just being auto generated. My loan officer assured me my file was closed but the message just will not stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation