vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a chime account four months ago and from day one had issues accessing my funds. Problems consisting of making withdrawals, inability to utilize the ATM due to the atm not working without the actual physical debit card which was shipped to the wrong address multiple times i even have one still not accounted for. The dispute i filed with a charge in XXXX i believe still has not been resolved the customer service is a complete nightmare of giving people all your personal information and then being transferred to a different person and doing it all over again and again. Its coted me too much time and effort to get the results promoted by this " financial service '' Anything you can do to help would be greatly appreciated Thank You, XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: DHI Mortgage Company
State: TX

Complaint narrative:
I closed on a townhome XX/XX/2023 ; it was a new build with developer XXXX XXXX. The lender was the developer 's, XXXX. An appraisal was completed for financing in which the home appraised for XXXX, XXXX which was the price of the home. After completion and closing I emailed for a XXXX appraisal, as it stated I was entitled to. The lender did not respond when it reached my personal loan officer through email and I received notification within XXXX hours that the loan had been transferred to another company. My first payment for my home never even went to the original lender because of transfer of loan so quickly. When I received the county loan appraisal for property taxes the appraisal of home was {$50000.00} than the original loan that has been within less than a 6 month span.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In late XXXX, I received in the mail an offer from Capital One for a XXXX credit card, as I was a " valued customer ''. It offered a 0 % on purchases and balance transfers until XX/XX/XXXX. I applied by the XX/XX/XXXX deadline and was sent my XXXX card with a {$5000.00} limit. In XXXX I purchased a vehicle and used my new card for the down payment of {$5000.00} and set up auto payments so the balance would be paid off by XX/XX/XXXX. 
In XXXX I checked the activity on my card and saw two interest charges ( XXXX for {$110.00} and XXXX for {$110.00} ). I called Capital One to investigate the charges and was told that I didn't request the special offer for the card and was issued a different XXXX card @ something like 24 % interest! I am a XXXX XXXX XXXX woman with excellent credit and the ability to have paid the {$5000.00} without using this new card and only did so to avoid withdrawing from my investments. I explained all this to the representative at Capital One and even opened a case with upper management ( XXXX XXXXXXXX ) but to no avail. They refused to refund the interest charges. 
I applied for this offer online and evidently somehow did not get approved for the offer I wished to take advantage of. I received nothing with the new card disclosing the interest rate or that I was denied the promotional offer. 

All that said, I paid off the balance including the interest charges, but, feel that considering the circumstances, Capital One should have refunded the charges. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLAS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX 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 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i sold an XXXX to a buyer who tried to dispute the charges so they limited my account because i was a new user. and i ended up having to fully verify my account with my id and take a selfie i was also told to verify my bank account which i did and i still had to wait 21 days to get my money which i did and my account was fully restored i have all the proof. the buyer filed a dispute which i won in my favor after almost 2 months of waiting on my money. when i finally wont the dispute and tried withdrawing my money paypal would not let me i kept getting error messages which was odd because paypal told me i shouldnt have any problems getting my money since my account was fully verified and my bank account had been verified as well. and out of no where the first limited my account saying that " they need more information to make sure its me '' and " that they do this to protect their users. which is completely XXXX XXXX they literally unrestricted my account a month prior because i had successfully uploaded my id and took a selfie with my id as well as uploading a utility bill. also ive been messaging them for almost two months because of the dispute i was going through now all of a sudden when my money is released they dont know who i am and need to verify? thats insane! after i see this i go to the messege center and the agent tells me to send my id and i did. keep in mind its literally THE SAME EXACT ID I USED TO VERIFY MY ACCOUNT THE FIRST TIME. paypal messages be back saying my ID is fake and that they will no longer do business with me and that they are holding the money for 180 days. when i asked how is my ID fake when its the same one i used to verify my account the first time they did not even reply they simply took the " message paypal '' option off of my account and basically said a XXXX XXXX XXXX to my face!! this is going on the 3rd month that ive been trying to get my money can you guys PLEASE help me im begging you this cant be legal what they are doing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
After filing a complaint on XX/XX/2023, i have noticed that XXXX XXXX XXXX continued to charge me after the account was closed, I payed off the Credit Card ending in XXXX with a {$300.00} Credit Limit. I did not ask for a {$500.00} Credit Increase I did not Approve a {$500.00} credit increase I did not Receive a {$500.00} credit increase the Credit card I have ending in XXXX is {$300.00} Credit Limit. I never asked, Received, Approved a {$500.00} Credit limit. XXXX XXXX XXXX Approved these transactions without my permission, I am being charged for a Credit Card with a {$500.00} Credit Limit, I never Asked, Approved, Received. After being Charged {$900.00} after the account was closed my, Information was sold to a 3rd party Debt Collector Resurgent who is associated with this Company/Organization, the Debt was charged up to {$900.00} dollars instead of a {$1000.00} anything {$1000.00} and above is Federal the tactic used in this measure is very unprofessional and have a life impact on me and many others in the world. I am not Responsible for a {$900.00} Debt that i did not Accrue have Access to Approve or Receive. I tried reaching out to XXXX XXXXXXXX XXXX after talking to them and explaining in a respectful manner its the same process representative hangs up on you while talking, I call back then you get an apology, i called today XX/XX/2023 hung up on me once she pulled up my account, The tactics this company uses is very unprofessional my my personal Data /Information is being used for profit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Navient loan taken out in XXXX for son 's school, XXXX XXXX. Loan of {$15000.00} was only in my name, mother of son. It was subsequently paid off. Have never gotten anything saying it was not paid, until Aidvantage took over Navient. Received a letter saying I owed {$14000.00} and a payment was made in XX/XX/XXXX. This is the first letter I have received regarding a loan that was paid off 10 years ago. Plus, no one from my family made a payment in XXXX, XXXX. I am now retired and want to put this to rest. I plan on filing a complaint with the studentaid. gov as well as have my attorney look into this. I have read reviews of this happening and the reviews spoke highly of reporting incidents like this to CFPB first as you have been helpful. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: OH

Complaint narrative:
I SENT IN DOCUMENTS THAT PROVE THAT THIS ACCOUNT IS NOT MINES AND TRANSUNION IS THE ONLY CREDIT BUERAU THAT IS REPORTING DIFFERENTLY THAN THE OTHERS. 

THIS ACCOUNT SHOWS THAT IT WAS CLOSED IN XXXX BUT IS REPORTING LATE THE FOLLOWING MONTH HOW CAN THAT BE WHEN THE ACCOUNT HAD CLOSED 45 DAYS PRIOR. 

FURTHER MORE I REQUEST THAT 15 U.S. CODE 1666B - Timing of payments be followed since this is the law and transunion along with this company is breaking the law.

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. which they do not have because this account is not mines.

15 U.S.C 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.

Several laws have been broken by both companies and Transunion 's response ( which I have attached along with my original FTC Identity Theft report ) proves they are deliberately breaking the law by using the E-Oscar system to verify my debt when i gave directions that i do not want the debt verified by E-Oscar system but instead a physical human and 2nd by not removing the alleged identity theft in 4 days when i sent in the information that legally proves that an identity theft occurred and then by adding information in my credit report that contradicts the same 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 explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
When we closed this loan, we set up automatic payment withdrawals from Freedom Mortgage. The didnt pull the XXXX payment and they are showing late payments for the past XXXX months, but the account was only delinquent for the month of XXXX. Want they want now is a late fee and a couple of other charges they keep taking on. 
We have a 2.5 % interest rate on this XXXX  lone and Im not going to let this bunch to XXXX us out of this interest rate. Im not paying any late fees for their mistake. I have paid the missing payment over two months and now my bank sends this bunch their monthly funds.

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 2023-11-05 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: MN

Complaint narrative:
I have requested a thorough investigation to address the discrepancies in my credit report. Thus far, I have not received a clear response, as your replies merely assert that the information has been verified without providing specific answers to my inquiries. These responses seem to be generic templates. However, what about cases where the inaccuracies are not typical? Those questions remain unanswered, and it appears that simply sending the same report is considered an adequate response. I insist on receiving clear and prompt responses to my queries, as well as the completion of my credit report information. Unfortunately, TransUnion has continued to disregard my requests. I have enclosed my most recent letter for your reference. XXXX XXXX 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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
While checking my credit card balance at Wells Fargo, I saw a charge I didn't recognize. It was on XX/XX/23 in the amount of {$64.00}. The description says XXXX *KRUIZIN # XXXX I checked my XXXX account and found no such transaction had occurred, so I called Wells Fargo 's credit card " service '' phone number : XXXX. 
First call : After going through all their steps to insure it was me, including a voice recognition, I was informed that the address I've lived at for over 20 years was incorrect. I disagreed with the rep but she didn't care. I asked what address was showing on my account ( again, AFTER all the verification steps ) and was told that she couldn't give me MY information. I argued for a minute and ended the call. 
Second call : My address passed the test, it seems I DO live where I live, but the rep was unable to listen to me. She referred to this as me " doing business with the particular entity. She kept telling me I said things I didn't say. I told her to stop putting words into my mouth and she promptly hung up on me. 
Third call : I still seem to know my own address and my complaint was finally taken seriously. Charge disputed, new card on the way. It should NOT take 3 calls!

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 monetary relief
Consumer complaint received 2023-11-05 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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that 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 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-11-05 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: NY

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that 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 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
The claims that XXXX XXXX has on me aren't valid. They have been charging me for months I was not on the premises. 
Below, see the attached document proof from other organizations that you can not only reach to validate but also confirmation from XXXX XXXX themselves that I left XX/XX/2023. 
They clearly messed out by removing me as a renter, and because of someone's screwup trying to have me pay what I don't owe, I'm not paying because it is not right, especially at these times. 

Flat Rate will show. i left XXXX will show what i rented with a friend, XXXX will show i lost my job during that time, so i had to leave. 
Proof of signed paperwork was something i did with them to get out of the lease break because of my job loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I want to verify I am signed up for correct plan since I work for the state in public service sector. Have been throughout covid so want to verify I have been credit payments for that time. Called 5x hold times ranged from 30 mins to an hour before hanging up due to have to work. Now payments are late but I not comfortable paying until verifying I'm in right repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: PA

Complaint narrative:
On XX/XX/XXXX, I filed a short-term forbearance request with Nelnet, my loan service provider. I received an auto-confirmation on the same day that the forbearance was filed and it would take XXXX business days for approval. At that time, on XX/XX/XXXX, I had not been enrolled in their auto-debit system nor did I receive any notification that I would be enrolled. On XX/XX/XXXX, I was granted the forbearance for each of my loans for XXXX months, with payments resuming in XX/XX/XXXX. However, on Friday, XX/XX/XXXX, I checked my online banking account to find that a loan payment had still been taken out. As a result, I logged on to my Nelnet account to find that I had been enrolled in their auto-debit program without my consent nor notice provided. Once seeing this, I unenrolled myself from their auto debit and received an auto confirmation from Nelnet, via email, that this was done. On Sunday, XX/XX/XXXX, I called XXXX, my bank, to file a dispute and provided all the information to the customer representative. On that same day, I sent a complaint, via email, to Nelnet regarding this issue. On XX/XX/XXXX, I sent XXXX 's dispute center each of my loan forbearance notices as well as the email confirming I had unenrolled from their auto debit program. On XX/XX/XXXX, I received a reply back from Nelnet encouraging me to call as the matter may be too " complicated '' to discuss via email. I attempted to call twice on Tuesday, XX/XX/XXXX and received wait time estimates of up to XXXX minutes. Because I work full time, I am unable to wait this long to speak with a representative. On Wednesday, XX/XX/XXXX, XXXX denied my dispute citing the fact that I did not make it within XXXX hours. XXXX did not address my enrollment into Nelnet 's auto-debit program without my consent nor did they address the fact that my forbearance was in effect when the transaction was made. XXXX told me that I need to address this with the merchant, i.e. Nelnet, if I want to any further discussion on this matter ; however, due to my inability to get a customer service representative on the phone at Nelnet, this is not possible.

Company response to consumer: Closed with explanation