vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
This account is an unauthorized charge with Affirm, I never received the items and called my bank to dispute the charges. Please remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I attempted to make a payment in total of {$460.00} using the Toyota Financial Services ( TFS ) website. When I attempted to submit the payment, I received an error message that something went wrong on their end, and to try again. Following this prompt, I attempted the payment again. After this, two payments of {$460.00} appeared on my account and I confirmed with my checking account that two payments did in fact debit my account. I called the Toyota Financial Services customer service line at XXXX. I was told that since the payments were in process, they could not stop the payment. The customer service agent then advised me that I should move funds around in the account in attempt to stop the payment from going through. I rejected that suggestion and requested a refund. The customer service agent said she would process the refund. After 27 days ( XXXX business days ), I have still not received the refund. My second call was placed on XX/XX/XXXX where I was told there may be a delay and I should expect the check in the mail within a day or so. When I did not receive the check, I called back asking for a manager. I was not able to speak to a manager but was told the check was processed on XX/XX/XXXX. This was 13 days, XXXX business days, after my original call. As of XX/XX/XXXX, I still not have received the refund payment. I called the TFS customer service line for the fourth time, requesting to speak to a manager. I was not given a manager to speak two, instead I was told that they identified an issue and re-cut the check on XX/XX/XXXX. I still wanted to speak to a manager since this has been going on for 27 days and counting, the advise I was given from the start seemed suspicious, and I was told different dates from each person I spoke to. I was told a manager would call me back within two hours. I still have not received a call from a manager. This seems suspicious as I did not consent to two payments being taken out of my account. The TFS website instructed me that something went wrong and to submit payment again. After nearly a month I have not received payment causing financial loss and damages. These practices seem very similar to those Toyota was fined for in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MA

Complaint narrative:
My banking XXXX had a glitch in the system which resulted in me having a negative balance of XXXX and I reported it multiple times and they told me it was a system glitch and it shouldnt effect me it would be fixed it was never fixed I talked to an agent on a live chat on XX/XX/XXXX and they informed me again it was a glitch on their end and I asked if they take my money at any point because of it will they reimburse me and they said yes, when I got paid on XX/XX/XXXX the app took my whole paycheck from me and when I called them and tried to report this they would NOT listen to me and gave me the run around and told me they would not give me my money back and I got a email from two people from chime stating it was a glitch and a error on their end and I contacted them again 24 hours like it said and they told me there was never a complaint / dispute filed when I did file one and my mother was also a witness to this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
I was searching for a vehicle the vehicle car lot that I was going to get a rush on my account and my credit and they sent it to 50 different credit bureau with not allowing me to give authorization for them to do that OK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NJ

Complaint narrative:
I was searching for a vehicle the vehicle car lot that I was going to get a rush on my account and my credit and they sent it to 50 different credit bureau with not allowing me to give authorization for them to do that OK

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 2024-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: IL

Complaint narrative:
Hi, So I got behind at times with my loan and missed payments were rolled to the end of the loan. Recently I noticed my payments were not reducing the principal and XX/XX/XXXX and XX/XX/XXXX was paid 100 % to interest and nothing to the principal. Subsequently other payments had varying amount reflected to interest and principal which could not be calculated per the interest on the loan. 

I called to discuss on XX/XX/XXXX and the representative provided no helpful information and was not able to answer any questions. 

Any help would be appreciated. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Date : XX/XX/year> Amounts : about XXXX USD in total I was looking for a short-term house rent near XXXX for XXXX. That was when I saw a post on XXXX, and reached out. 
I was in contact on Text and induced to pay to XXXX through PayPal as Friend & Family.

After realizing the fraud nature, I pointed it out to him. From his reply, the fraud could be firmly validated. 

Details about transaction and discussion process could be found in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to impart my tension concerning the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Regardless of my undertakings, I by and by just can't get any objective or therapeutic movement. These mixed up records are truly hurting my credit report and demolishing my ability to continue with a normal life. The unfavorable results of these blunders have caused tremendous troubles for me, and I'm left with no choice aside from to contend for your assistance with amending what is happening at the earliest open door. I thoughtfully request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the principal progresses are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and decency of my credit archive so I could recuperate control over my money related thriving. I truly urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue speedily would be colossally important. Thankful to you early on for your cognizance and help.

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 2024-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
Over the past 10 years, I have consolidated my loans under an applicable IBR plan, and have been making on-time payments on those loans according to PSLF requirements through, most recently, XX/XX/XXXX. I applied for PSLF last year for my two direct loans, however, only one of my direct loans was forgiven. When I asked XX/XX/XXXXabout the other loan, they said I didn't need to take any action and that loan would be evaluated for PSLF. However, that did not happen, and XX/XX/XXXX is now requiring payment on my remaining loan. I reapplied for PSLF using the PSLF Help Tool and have been seeing that my PSLF form has been in process. When I call, I'm told it's nearing final review and I should have an answer around XX/XX/XXXX. 

When I applied, I requested that my loan payments be paused while my PSLF form is reviewed. Despite this, XX/XX/XXXXwill not pause my loan payments while my PSLF form is reviewed, but rather states they can only do so under the direction of studentaid.gov. I have been passed back and forth between studenaid.gov and XX/XX/XXXXwith no resolution or recourse, and only finger-pointing from each entity about who is responsible. Needless to say this is extremely frustrating. I will continue to make payments to XX/XX/XXXX because I don't want to be penalized, but am very skeptical that any overpayments will truly be refunded to me ( as they say they will ). I made at least 2 overpayments on the direct loan that actually was forgiven, but I have received no refund on this overpayment, nor any communication about the process and when I should expect to receive that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo to do a balance transfer to two of my XXXX credit card accounts. One transfer was completed successfully for {$3500.00} to my XXXX XXXX account. The second transfer of {$3000.00} was sent to the wrong account. The last XXXX numbers were transposed backwards from the previous. Whether the Wells Fargo employee entered them backwards or I gave them to him backwards, the result was the same. Another account holder has my money. People do make mistakes. I am not sure it was really recorded, but I do know WF has not done anything to get my money back. I am now paying on the the {$3000.00} on my WF account and the same on my XXXX credit card. Now this is totaling {$6000.00}. I found out on XX/XX/XXXX that indeed my money went to the wrong account by WF and that they were going to request a reverse transfer. I spoke to XXXX first who informed me no transfer had occurred. Case was opened and closed. No money returned. Paperwork via email on XX/XX/XXXX saying my concerns received. XX/XX/XXXX email not legible. Multiple phone calls without any progress. On XX/XX/XXXX spoke to WF XXXX case closed and now reopened. Case # XXXX. On XX/XX/XXXX called WF again XXXX, no notes, then to XXXX which said it could take up to 90 days. XX/XX/XXXX call from XXXX to say decision to be made by XXXX closed again without any action. XX/XX/XXXX XXXX was notified and two supervisors XXXX and XXXX verified there had not been ANY communication from WF regarding this matter. XXXX informed me that she indeed could see the transfer which posted on XXXX to someone elses account. She said she could not do anything about it unfortunately because the transfer came from another bank. Immediately I called WF on the # that was on the letter and spoke with XXXX who couldnt see any notes then transferred me to customer service XXXX the to XXXX gave her my last case # which had been closed # XXXX. Transferred to XXXX who knew nothing and tried to get another supervisor XXXX which was u successful. Another case # from more email XXXX. I filed a report with the XXXX. On XXXX I received a call from XXXX informing XXXX that XXXX had received my complaint from the XXXX  and I would get an answer by XXXX. Had I looked to see they had an F rating from the XXXX  I would not have used them. Next stop is the Federal Trade Commission and legal counsel. WF has failed the consumer once again! Thank you in advance for any help you can give.

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to make a purchase with a merchant ( XXXX  ) for {$54.00}. Funds were available in my account. However, on today XX/XX/XXXX, I was verbally informed by a Golden 1 Credit Union Bank Representative ( XXXX-Teller # XXXX ), via a customer service call into the bank that the transaction/purchase for {$54.00} was approved but due to a " hard wire malfunction '' coming from the merchant ( XXXX 's ) end the transaction did not go through. 

I was informed by Golden One Credit Union that two different attempts were made to the merchant ( XXXX  ) on this date ( XX/XX/XXXX ). However, only the transaction was approved to go through. 

Upon me contacting the merchant ( XXXX  ), I was informed by the merchant that the transaction was cancelled by my bank several minutes after the transaction was completed, due to fraud protection from the bank. 

This bank has several different previous instances involving transactions I have attempted to complete without going through. I am concerned. In addition, this most recent incident took place on XX/XX/XXXX. Golden One Credit Union did not provide fraud alert verification of this incident occurring, and upon me inquiring regarding the matter, this bank does not take responsibility for its actions. 
I have attached a copy of the order Last, regarding a differing matter, date and year ( year XXXX ), the bank provided my personal contact number on bank correspondence the bank mailed me. I contacted the bank and filed a verbal grievance ( escalated concerns to Escalation Dept ) regarding these unnecessary actions by my bank.

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
on XX/XX/2024 Citi, cancelled 3 of my credit cards i have had with them. Citi XXXX XXXX XXXX, Best Buy and Home depot. Stating they have found evidence i have cannabis related income. The card i am most concerned with is the Citi Platinum card. I have had that card for over 12 years with many increases to my credit amount. I have never had a late payment on this card or any other cards, I have a perfect payment history on all my credit. In XXXX I noticed my card had been closed from my app. I called them and asked why, and the person I spoke with said that was odd, they had never seen a card get closed with that good of pay history and credit line. Back in XXXX I had used my card to put remodeling materials on my card. I received a letter about a week later letting me know it was close and an email address to request why. So i sent an email to them and within 30 days i received a letter stating that due to the fact that I had cannabis related income they were going to close the account. This left a {$40000.00} balance. With them closing my account my credit score went down due to owing more than my available balance. I made the XXXX minimum payment of {$1300.00} and sent them an email to ask for a rate modification since it was no longer a credit card, and should not have the interest rate a credit card does. NO ANSWER, In XXXX my minimum payment was higher that XXXX 's. I paid it, then in XXXX the payment was even higher, and I paid it and then again in XXXX the payment was {$1500.00} I paid it..I then sent a letter instead of an email on XX/XX/XXXX requesting the modification and no payments would be sent. since then I have received no response. On XX/XX/XXXX I received a call from the collection department asking for the payment, I explained everything to the lady on the phone and she said she could not change the interest rate that was another department. I was transferred and told that in order to change the rate I would have to request to reopen the account. I also explained to her that I have an investment in the XXXX  industry in XXXX  however my main source of income is from a XXXX dealership I own. I also told her I had no problem repaying the loan, but it should be modified as a loan and not a credit card. She made the request to reopen the card and said i would receive an answer in 6-10 days, I received an email dated XX/XX/XXXX that since my account had been closed too long they couldnt reopen. ( why did the lady that work there tell me this is what they had to do, knowing it had been closed since XXXX ). This is not right to close an account then charge more interest.

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 2024-08-12 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTENINSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card AND FTC AFFIDAVIT proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and respectability of my credit record so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.

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 2024-08-12 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year>- The following inquiry was not authorized and should not be reporting.

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