vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
I filed a dispute, case number XXXX on unauthorized transactions that were not made by me nor did I give permission for anyone else to make the transactions. This dispute was in regards to the following transactions : XX/XX/2023 @ XXXX XXXX  for {$750.00} XX/XX/2023 @ XXXX XXXX  for {$120.00} XX/XX/2023 @ XXXX XXXX  for {$300.00} I previously tried to file this dispute however I was unable to through the automated system and was directed to contact customer support. However at that time cash app had an outage and was not working properly and as a result the original dispute did not go through. Upon contacting support and speaking with a representative I explained what had taken place in detail and was assured by the representative that they would work diligently to get me my money back. I explained that the transactions in questions were completed by someone I work closely with and who had access to my phone. I did not authorize the use of my phone to anyone nor did I authorize anyone to make the transactions in question nor did I make the transactions. Essentially what had happened was that this person gained access to my account and sent unauthorized payments to himself from my account. Rather than doing the right thing and return my money as promised Cash app denied my dispute in less than 24 hours stating that they found no errors in the transactions and they have as a result denied my claim. {$1400.00} was stolen from me and they just denied it saying they believed it was authorized. I explained to Cash app that under no circumstances were this transactions authorized by me but they simply don't care. I am supposed to be protected from theft and unauthorized transactions but I have now been victimized by both the person who gained access to my account and cash app. I took steps to secure my account and it still made no difference. I need my money back as I am a victim of fraud and theft. Please help me rectify this situation and get my money back.

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: Nelnet, Inc.
State: CT

Complaint narrative:
Account Number : XXXX People on the loan : XXXX XXXX and XXXX XXXX ( my dad ) On XX/XX/2023, at XXXX XXXX, I paid off my student loan in full. The amount was {$13000.00}. I noticed after a few days that the money was still in my bank account. So I logged onto the Nelnet website and noticed two things : the payment was still being processed, and a new charge of {$140.00} was added to the balance and due XX/XX/. 

I called, and after waiting for 2 hours on hold, I was finally connected to a representative. She said that because I made the payment after XXXX XXXX ( not true as previously stated, which I told her so, and she argued with me ), it would take 5 to 7 business days to process. Had I made the payment before XXXX XXXX, it would have been processed immediately. Also, while the payment is being processed, the loan is still accruing interest daily, despite the fact that I paid the entire loan off. I told her that none of what she said made any sense and requested a supervisor. She said the wait for a supervisor was an additional hour. Frustrated, I gave up. Before hanging up, I asked for an email address, and she said, " We don't have one. '' None of these practices seem legal. How can they charge interest on a loan that was paid off? It's not my problem how they process payments. It's been 6 business days since I paid my loan, and it is still processing. I have the receipt, the time of the transaction, etc. 

Loan sharks are more lenient.

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: LA

Complaint narrative:
I've contacted the original creditor ( XXXX XXXX ) and all XXXX credit bureaus Transunion, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me 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 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 information incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I've contacted the original creditor ( Ally Financial ) and all 3 credit bureaus XXXX, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is Ally Finacial. 
All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me 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 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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: ME

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems sent me a payment offers letter dated XX/XX/, which I received on XX/XX/. This is the first notification I received from this company about an account that I supposedly owe. The company did NOT send me a validation letter/notice prior to this payment offers letter. I received no communication from this company prior to the payment offers letter. This is illegal. The company is required by law to send a validation letter first, before attempting to collect. This was absolutely not done. The company can not collect this debt, can not report this account to any credit reporting agencies and must cease all collection attempts.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, transunion, and XXXX with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police 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 2023-09-24 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 purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and equifax with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: OCMBC, Inc
State: AZ

Complaint narrative:
On XX/XX/2023 I paid my mortgage payment to OCMBC through my banks online bill payment system. This was for my XX/XX/XXXX payment. On XX/XX/XXXX a new mortgage servicing company took over my loan. On XX/XX/XXXX the check my bank issued to OCMBC was cashed. XXXX XXXX I received a phone call from XXXX, my new mortgage servicing company, informing me I was past due on my mortgage. This was when I found out the loan had been sold as I had not received notification yet. I was not willing to give out personal information to someone over the phone that I knew nothing about. I received notification in the mail my home loan was sold. On XX/XX/XXXX, I called XXXX. They called OCMBC with me on a 3 way call. We spoke with XXXX who confirmed they had in fact received my mortgage payment. She said they would send it over to XXXX and the process could take up to 10 business days. On XX/XX/XXXX, XXXX still had not received my payment. I called OCMBC again and spoke to XXXX who said they are processing that over to XXXX. Due to the excessive time this was taking, I asked for a supervisor. XXXX laughed and disconnected the call. On XX/XX/XXXX I called OCMBC again and left a voicemail for the supervisor. On XX/XX/XXXX, XXXX still has not received my payment. They recommended me filing a complaint with CFPB.

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 — Information belongs to someone else
Company: Grow Credit Inc
State: MI

Complaint narrative:
I am not liable for this debt with grow credit company. I still have not been provided the original contract with my signature.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been dealing with these credit reporting agencies for three months and I haven't gotten any resolution they are complying with the laws set in place by our government, I have been treated unfairly and this has really caused me great stress.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been dealing with these credit reporting agencies for three months and I haven't gotten any resolution they are complying with the laws set in place by our government, I have been treated unfairly and this has really caused me great stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
In XX/XX/XXXX I signed up for a chime debit card using my friends link. so we'd both receive a {$100.00} incentive. It requires the referee to receive a direct deposit of min. {$200.00} within 45 days. I signed up and waited. Finally I received the following email : " Use the correct details in this email when setting up direct deposit -- - '' Hi XXXX, Letters with incorrect direct deposit setup details have been sent to Chime members who ordered a Chime card between XX/XX/XXXX and XX/XX/XXXX. The correct information is as follows : '' If youve unsuccessfully attempted to set up direct deposit using the prior information, please try again with the new information provided above. 

Your Chime card and Chime app display your correct bank details. Your account number remains the same. 

If you have any other questions, were here! Call our support team at XXXX ( XXXX ) XXXX or tap the chat icon in the Chime app anytime. 

Sincerely, The Chime Team '' -- - Using the incorrect routing # sent to me by Chime caused a delay of my direct deposit going through thus, disqualifying us for the $ XXXXi incentive. I have sent numerous emails and called and spoke to agents who promised to help me several times, yet no resolution. I expect Chime to honor their offer and pay us our {$100.00} we've met all requirements on our end. I shouldn't be penalized for Chimes mistake. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX of the problem is navigants web site to pay your bill. I submitted XXXX payment and the site still showed that I owed a payment. In XXXX I was confused thinking I made the payment ( because it doesnt show pending payment ) so I dont want to make a double payment ( nor enough money ). Unfortunately I did the something in XXXX and as soon as I was notified I was late I made payments ( did not receive notification in XXXX I was late ). I contacted navigants customer service and told them the issues with their non customer payment site is vague and confusing and doesnt provide details or notifications that a payment was made. I asked the if they could fix my credit markers due to this issue and they said they cant do anything about it. This one incident lowered my credit score by XXXX points and now I am unable to consolidate my debt do to the credit score impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023, my bank, BMO, began a transfer of its newly acquired bank, Bank of the West. During that time, as stated on their website, " Debit cards will continue to work for merchant purchases and ATM cash withdrawals, but not for balances and other account information throughout the weekend. " ; therefore, access to money in accounts was available, but customers would have no access to view their accounts online or on the app during that time. The dates of the process would be XXXX XXXX with regular service resuming XX/XX/XXXX. On XX/XX/XXXX, I began receiving cell phone notifications from BMO that my automatic monthly charge to my cellular provider was declined. I received this alert several times every day during the four days mentioned. I then began receiving additional notifications from other merchants I had set up autopay with using my BMO checking account. One merchant, XXXX, reverted to a previously saved card that I did not want to use ; the process for changing it back required several steps and much of my valuable time. Fearing something had happened with my BMO account, I stopped using the debit card, and tried to contact the company. Because of this massive transfer BMO was engaged in, all attempts to speak with a representative resulted in exhaustive wait times on the phone and finally giving up. On Tuesday, XXXX XXXX, when BMO assured its customers that service would return to normal, I was able to view my account online and see there was ample money available ; I assumed the declined payments were a product of BMO 's transfer. That same day, I attempted to use my card with a merchant with whom I was dining, and it was declined. I called BMO again and this time I was able to reach an operator. The operator informed me that on XXXX XXXX, I attempted a purchase that appeared to be fraudulent. ( The purchase was to a music service for {$14.00} ; I had previously used this very same service just over a week prior, on XX/XX/XXXX for {$28.00}, with no red flags raised by BMO. ) In addition to this not previously causing red flags, BMO made no attempt to contact me on the date of the charge, despite my having all alerts set on my cell phone, and BMO sending me repeated alerts about all of my declined auto-payments for four straight days. Finally, the " fraudulent '' charge showed that it had cleared on XX/XX/XXXX, despite BMO never receiving my permission to accept it or confirming the charge in question was fraudulent.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On several occasions, in XXXX I used Western Union to send money to a friend in the XXXX. In XXXX my friend became ill with XXXX and was XXXX. Over several months I sent money to her and her family using Western Union. In XXXX, Western Union stopped allowing me to send money to the friend who became my fianc and her family. I called the Western Union office and asked why my money transfer request had been canceled and was told that they could not tell me why. My Fianc 's daughter in the XXXX asked the people where she was to pick up the money, why, and they told her it was the office thought there was money laundering. I sent money in amounts of {$100.00}, sometimes {$200.00} in a month. Money to pay for hospital bills and prescription medications and sometimes other family bills. This all started when I began using Western Union online. Once, while shopping at XXXX I saw Western Union service offered. I tried to send money to my fianc in the XXXX. After completing the paperwork I was told my request had been canceled. The XXXX XXXX wrote down the website where I could apply to Western Union to be reinstated for service. I completed the application and on XX/XX/XXXX, was told they would not allow me to use the service. They said it was against the company policy to tell me why they denied the service. I am a totally law-abiding citizen, in completing the application for reinstatement I sent a copy of my XXXX Tax Return along with other requested information and government ID.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not investigate the XXXX XXXX acct XXXX XXXX despite multiple disputes filed. They must delete this account due to the following reasons : 1 ) violation of FCRA Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute 2 ) missing data after XX/XX/XXXX  to present indicates a reasonable investigation was not performed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went on the Unemployment website and it says I have benefits that have been paid I then logged into the Bank Of America EDD card website and the card has been used and has unauthorized transactions I've tried to contact them and resolve this major issue with no help at all I've requested a new card after speaking with someone from unemployment and her letting me know the money has been sent to a card and the card was activated. This goes all the way back to XXXX of 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 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: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I find out inheritance investment website that people using my accounts was to data breaches itenty XXXX XXXX stolen along children and grandchildren I believe using our name and I XXXX XXXX XXXX and several other Bank they money saying it me it bad my military family members families children my brother XXXX XXXX is XXXX service I'm problem with phone government phone inherent wifi XXXX  XXXX connection there wifi and XXXX accounts with brother I realize that Data breaches I contact my family doctor and GYN they area is information on XXXX patients patient XXXX XXXX my medical records missing XXXX patients patient XXXX XXXX and my XXXX  medical papers are missing too icon to cut the bags of contacted me to let me know what happened I got a couple others that I have but I've never opened up a bad count a couple years they've been using my social and everything

Company response to consumer: Closed with explanation