vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Plastiq Inc.
State: NY

Complaint narrative:
On XXXX, on Plastiq company website ( https : //www.plastiq.com ), I submitted a payment request of {$890.00} to my mortgage XXXX  ( XXXX ) XXXX to pay my monthly mortgage balance due. That amount, with {$26.00} processing fees, totaling of $ XXXX charged on my credit card ending in XXXX. However, Plastiq never delivered the payment. I followed up with XXXX mortgage team multiple times, and they confirmed they never received the check, therefore, my mortgage account never got credited. 

When I reached out to Plastiq support team and asked for evidence that the check has been endorsed by XXXX XXXX, Plastiq can not provide this evidence. They only shared an image of the check that has the front populated by some generic information, the the back of the check image is empty, no endorsement at all. 

I've been creating tickets and asking Plastiq to re-send the payment or refund the money to me. However, they refused to do so and never gave me a direct answer about the inquiries. 

They used to have online real-person support within the web portal, but recently switched to ticket-only support, which makes the communications even more difficult. 

I appreciate the CFPB platform and really hope I could get help from the CFPB team to get my money back or have them fulfill the service. 

Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I received a phone call on XX/XX/XXXX from office of state location services about loan repayment that was due by XXXX that evening in order to not be served with documentation for a court date for a loan taken out in XXXX. No documentation was provided about the loan agreement. Loan was supposedly taken out for {$650.00} and if paid by XX/XX/XXXX by XXXX the payment amount would be {$900.00} but if paid in installments the amount came out to {$1100.00}. If served and with penalty total amount would equal to {$2200.00}. 
I explained that I never received any statements regarding a loan from cash net advancement repayment or that a loan was even distributed to my account. The company calling to collect this debt was XXXX in XXXX XXXX XXXX. Also looked into credit report and this loan was not listed on the report. No documentation was given to me in regards to this problem. A phone call was placed to my place of employment which I was not employed at the time of the loan was supposedly taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In the last month, I have tried to make three different payments with Nelnet. The first payment was on the day it was due ( XX/XX/XXXX ). On the dashboard, it stated the payment was processing. It stayed " processing '' for 2 days then it disappeared and no funds were taken from my bank account. A few days later, I received an email saying I was passed due. I then tried to make another payment ( on XX/XX/XXXX ) and the process repeated itself. I then tried to make ANOTHER payment ( on XX/XX/XXXX ), this payment is currently showing as processing but I assume it will not go through again and I will get another email saying I'm passed due. I have tried to make contact with Nelnet on multiple occasions within the last month but have received no response. I worry this issue with their system will have negative effects on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Report Number XXXX XXXX XXXX Experian They are providing incorrect information with my personal information and I have no address on file to update my credit report and they wont update the correct address

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 2023-10-30 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: MI

Complaint narrative:
XXXX I received your recently letter. XXXX your contract to service the U.S. Department of Education XXXX loans do not start until after a date in XX/XX/XXXX. 
Currently XXXX can only process XXXX claims of federal XXXX loans for the U.S. Department of Education. XXXX I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. XXXX consider that as the last letter you send me. XXXX you stole my identity. XXXX your employer the real U.S. Department of Education wrote you to Terminated the federal XXXX Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal XXXX loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education XXXX The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of XXXX loans website for electronic signatures, etc. Many federal XXXX loans FFLE loans the government are still collecting on no mattter of the amount. XXXX remove yourself of my credit reports immediately. XXXX you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. XXXX your in violation of the Fair Credit Reporting Act. XXXX any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that XXXX sent in to open this XXXX  loan in my identity and if the CRA can not tell my why> XXXX CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. XXXX I AM NOT GOING TO PAY YOU AN 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 2023-10-30 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: MI

Complaint narrative:
XXXX I received your recently letter. XXXX your contract to service the U.S. Department of Education XXXX loans do not start until after a date in XX/XX/XXXX. 
Currently XXXX can only process XXXX claims of federal XXXX loans for the U.S. Department of Education. XXXX I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. XXXX consider that as the last letter you send me. XXXX you stole my identity. XXXX your employer the real U.S. Department of Education wrote you to Terminated the federal XXXX Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal XXXX loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of XXXX  loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. XXXX remove yourself of my credit reports immediately. XXXX you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. XXXX your in violation of the Fair Credit Reporting Act. XXXX any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that XXXX sent in to open this XXXX  loan in my identity and if the CRA can not tell my why> XXXX CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. XXXX I AM NOT GOING TO PAY YOU AN 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 2023-10-27 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: FL

Complaint narrative:
Experian Credit investigated a XXXX credit card on my report with a {$5500.00} bill, which I did not open, and said the card was validated.

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 2023-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
CALIFORNIA SECRARY OF STATE ( COMENITY SERVICING LLC ( # XXXX ) Comenity Bank XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Description of complaint : I had a balance was {$1600.00} on my Victoria Secrets credit card. I paid off the account with 2 payments on XXXX for {$900.00} & {$780.00} totaling {$1600.00} inside a store location with cash. I got the statement today ( XX/XX/ ) and it shows that this business still charged me interest of {$19.00} even though the account was paid off prior to the interest occurring XXXX This is an erroneous charge. 

XXXX XXXX XXXX Complaints ; XXXX  complaints closed in last 3 years 2,148 complaints closed in last 12 months Other Complaints Filed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Other Complaints Filed - California State Attorney Generals Office XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
Im writing your agency because you violate 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 

( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information as part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXX Thank you for your time and help in this matter.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime is not reimbursing my funds for 2 disputes. Dispute XXXX XXXXXXXX which were fraudulent transactions and unauthorized withdrawals in the amount of {$410.00} also dispute XXXX XXXXXXXX in the amount of {$220.00} for unauthorized transactions and fraudulent withdrawals as well. Please investigate and reimburse my funds that we're not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Judgement filed against my home dated XX/XX/ in XXXX, ohio municipal court. XXXX XXXX XXXX, XXXX, Oh XXXX. 

Judgement was placed on XXXX XXXX XXXX, XXXX, Oh XXXX ( a property I own ) Case # XXXX {$780.00} -Debt $ XXXXClerks Costs No verification of debt was ever attempted and the address on the judgement is incorrect as I have never lived at that address or has it ever been associated to my personal credit profile. 

I am known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX to all my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Unavailable transfer of funds due known issues with Ally 's balancing app. Funds are now delayed and the company will not take any action to rectify or expedite transfer. 

The representative confirmed there were issues with the app. I requested the money be wired free of charge to meet the initial delivery of funds. The representative told me it was my fault for not using a browser.

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 2023-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I received a call today on XXXX at around XXXX p.m. from a young lady who claimed to work for XXXX XXXX. She asked for me by name I'm going to ask her what she wanted she said if she needed to speak with me and I said yes that's me What do you want and she said it's a personal business matter and I said again I've identified myself what do you want and then she said she would just call him back at another time and hung up in my face. So I called them back told the woman who answered and she transferred me to a man who I then told. He took my information he got my phone number and then he asked me for my birthday which I refuse to give him and then he started yelling at me that if I don't provide them with this information that they can't provide me with a reason as to why they're calling. I'm not giving out my personal information to anyone. The fact that I identified myself by name and I answered the phone number that they called me on and then I even called them back to tell them who I was and to ask them why they're calling should have been enough of an indicator that I am the person that they were trying to reach. If they still refused and then to start screaming at me on the phone was absolutely unacceptable. I started yelling back at him and then he hung up on the phone. From my understanding they are required to tell me what they want with me and while I do understand also that they can ask for personal information, I'm not giving out my personal information to any person who I don't know on the phone no matter where they work. And so if these people are wanting to collect money from me, the first thing they're going to have to do is tell me what it is that I owe and otherwise if they're just going to continue calling that's just harassment because now at this point I had XXXX phone calls with these people and I still don't know what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, XXXX XXXX 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
I, XXXX XXXX XXXX XXXX never gave XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft

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 2023-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us Auto and Financing closed down. A month later I started receiving emails stating Westlake is where i need to pay. they sent me a letter stating that i can file dispute on the total amount of my car because it was not the right amount due to us auto. I SENT THE LETTER BACK I DIDNT HEAR ANY THING FOR XXXX MONTHS. I GET XXXX XXXX STATING THAT I OWE {$50.00}. I get another email stating i owe {$1000.00}. I called Westlake portfolio. I explained how I sent the dispute letter in. The representatives told me to wait until the processing was over and he didn't know how long it can take. i asked was my car going to get reprocess he stated to me no. 1 month goes by and my car is reprocessed. they are stating i pay {$2000.00} to get m car back. They agreed to letting me pay / {$1000.00}. ii still haven't gotten my car back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I went to my local fee free atm ( company : XXXX ) at XXXX advertised by chime to withdraw {$380.00}. Unfortunately for me I wasnt quick enough to grab my money and the atm retracted the funds back into the collector. I then followed the prompt on screen to call my financial institution for assistance but upon doing so a chime representative told me to wait for the transaction to complete pend and wait to call back. So I call back on XX/XX/XXXX to file a dispute and I tell them everything that happened up till that point. Im later told on the call with the representative that the dispute will be sent to a investigator and will be reviewed and that I will get a temporary credit for the time and that this whole situation will have a review time of XXXX, XXXX to XX/XX/XXXX. This morning I wake up to the dispute being denied which seems rushed and not at all investigated to the lengths in which it should of, and so this prompted me to contacting the company XXXX and seeing if they could help point me in the right direction and upon talking to a representative, she told me to request a Regulation E form and just incase request the Denial letter to see how they got to that conclusion. If it is a security feature of the atm then it should only be natural that I should be within my right to have that money returned into my account.

Company response to consumer: Closed with explanation