vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I called Barclays to dispute a charge on my card. The rep told me that he would have to cancel the card. I told him that I did not recognize the name of the vendor and that I needed more information. He refused to give it to me and also refused to reverse the charge unless I cancelled my card. Barclays fraud detection should have picked this up. I was out of the country when the charge was made.

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 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I had invested money in a crypto trading broker back in XXXX, I traded for 7 days, made some money and when to withdraw and was told I needed to deposit money for commission, I did then kept being told I need to deposit more money for other fees and promising Id get my money after, now 6 months later still in contact with them still trying to get my money. Dont know where it is. Total amount t of money deposited was XXXX not including profit. I have wallet address money was sent to. The name of company was XXXX they claim they got hacked and now operate under the name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XXXX I received a letter from Wells Fargo that requested, I change my home address to my physical address. I reside in an area, that is not served bt the USPS and we all have po box es. I changed it to a private address, that functions as a mailbox. After several weeks I received a similar letter, now threatening me, if I didn't change my address to my physical address, I would loose online account access. This is when I walked into the XXXX branch, showed them the letter, and asked why they were doing this? I also explained, that I had previiously had issues not receiving my bank cards, because they had send it to my physical address. The banker told me, that they had orders to request the physical address due to new laws. When asked which laws he referred to, he said he was not allowed to tell me! Could you please help me rectifying this? 
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 explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: SC

Complaint narrative:
Nature of the Complaint : Service Issues Complaint Description : I, XXXX XXXX, have been a consumer of Afterpay since XX/XX/XXXX. Over this period, I have successfully completed over XXXX purchases with Afterpay, demonstrating a consistent and reliable repayment history. All these purchases, including my last one which was settled before its due date of XX/XX/XXXX, have been paid in full. Previously, my spending limit with Afterpay was above {$1200.00}. However, unexpectedly, this limit was reduced to a mere {$50.00} during the XXXX shopping period. This reduction came as a surprise, especially since my last two purchases were paid on their respective due dates, and there was no justifiable reason provided by Afterpay for this significant reduction. 

Upon contacting customer service, I received an unsatisfactory response that failed to adequately address or rectify the situation. Afterpay 's statement indicated a payment due on XX/XX/XXXX, which was paid on XX/XX/XXXX. However, this does not consider potential banking errors or the customary five-day grace period typically afforded by credit agencies. It is also important to note that there have been no instances of collection actions against me for late payments, affirming my consistent record of timely settlements. 

Afterpays explanation that the spending limit is a dynamic measure influenced by repayment history does not align with my demonstrated pattern of reliable and timely repayments. Their system marked a payment as late despite it being within the grace period and failed to consider the overall positive history of my account. 


I am submitting this complaint to the Consumer Financial Protection Bureau for further investigation, as I believe Afterpay 's actions violate fair consumer practices and lack transparency in their credit assessment processes. 

Attachments : Copies of communication with Afterpay and the XXXX XXXX XXXX Record of transactions and payments with Afterpay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
The Discover Credit Card is persistently asserting the validity of a charge dated XX/XX/XXXX, despite my having disputed it twice. Remarkably, Discover had previously acknowledged the dispute, providing me with a credit several months ago. In direct contradiction, their latest communication, dated XX/XX/XXXX, states that the transaction is deemed valid, under reference XXXX XXXX XXXX XXXX, with an amount of {$66.00} and dispute number XXXX. 

Despite my credit card being fully paid off as of XX/XX/XXXX, Discover is inexplicably insistent on upholding the contested charge. The resolution date is cited as XX/XX/XXXX, and Discover asserts that a decision has been made in favor of the transaction 's validity. However, given the prior acknowledgment and credit issuance, the persistence of this charge remains confounding. 

It is imperative that Discover rectify this situation promptly, as my account reflects a XXXX balance, and the disputed charge should not be reinstated. I expect clarity on this matter through official communication, whether via mail or secure message at Discover.com. It is essential that this discrepancy be rectified, and I anticipate your prompt attention to this pressing issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I made a purchase online with XXXX ( merchant ) for 3 items. The total was for {$190.00}, and it was automatically deducted from my account balance. I have emails and screenshots I have sent to them. Then I get 3 separate charges for each item at different times and dates. 
Cash App - XXXX XXXXXXXX XXXX told me that XXXX voided the purchase. I emailed XXXX, and confirmed my purchase was good paid in full. If it was voided then I never got it refunded or added back to my balance. My balance was charged for the same amount {$190.00} at 3 separate transactions. 1 for {$16.00} 1 for {$100.00} 1 for {$69.00}. This caused my account to borrow or use up overdraft thus causing fees. Cash app sent me a statement of all my transactions except for on the XXXX of this month when I make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2023, my Bank asked me to unlock the freeze so they can access to my credit check to finish my line of credit renewal. I unlocked online but they weren't able to access still and Equifax told my back that I need to call to resolve the matter. So I called on XX/XX/2023. The representative XXXX assured that she unlocked on her end and there shouldn't be any problems now. But was not able to tell me why she had to do that this year as every year when I was able to unlock on my end from my online account. My bank tried again and wans ; t still working and Equifax told my bank I need to call again. On XX/XX/2023, I called again and this time XXXX asked that I need to send a copy of my social security card and current driver 's license via XXXX and also I have to call back to confirm they got it. He sent it via email and I sent the documents shortly and got an email confirmation that they received it. I called to confirm and put on hold over 30 minutes and got disconnected. as my back still don't have access, my bank and I did a conference call to resolve the issue on XX/XX/2023 at XXXX XXXX. the supervisor XXXX stated it is their policy I have to call back " the office of Consumer Affairs '' again to discuss and assured that she is leaving a not to on my file so it will be resolved then. Otherwise, there is nothing she can do and there is no one above her to resolve this. So I called back and " XXXX '' told me they don't have the documents that I sent on XX/XX/2023 and I need to resend them. Told her I have an confirmation email that you received them and I feel very unsafe now where the sensitive documents are and since she doesn't know I don't want to send again. She said there is no other way around! Each time I call it takes over 10 minutes to get to someone and each time no one seems to have an answer to the issue. Asked to speak to the manager so we can solve the issue but " supervisor '' XXXX said there is no one else except her, who can't help the issue other then I call back the same number and go through the process again. even though she promised this matter should be resolved when I call back, it didn't. where do I go from here? that is why I am contacting you for a help! so my bank can access to my credit to renew my line of credit, which I need urgently to run a business.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a phone and laptop from the XXXX XXXX, they advertised no interest if the balance was paid in a certain number of months. To meet this requirement, I have tried to make payments exceeding the minimum amount due. Apple makes it exceedingly difficult to do so. I follow the online instructions, but the system stops at a point prior to completing the transaction. I have complained to Apple, their response id to resend the instructions that do not work. I fear they are delaying payment, so they can start charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is reporting a collection on my consumer credit. They have not validated this debt and is committing fraud by reporting any information to my consumer report without contract or my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed by people impersonating XXXX  and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/2023 from XXXX bank Bank of America. I filed a claim with BoA on XX/XX/2023, claim number XXXX, before the cashier 's checks were deposited on XX/XX/2023. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds on XX/XX/2023. On XX/XX/2023, BoA sent me the Scam Victim Acknowledgment letter and I have signed and returned on the same day. On XX/XX/2023, the claim is closed and only {$51000.00} was recovered. This doesn't align with XXXX 's holding both {$51000.00} and {$49000.00}. The {$49000.00} is missing. I filed a complaint with XXXX and on XX/XX/2023 they stated BoA hasn't sent the hold harmless document to XXXX, please see the attachment of the statement from XXXX. So I followed up with BoA fraud department to reopen the claim and was denied. Since the $ XXXX is still holding at XXXX, I'm asking BoA to either reopen this claim or open a new claim and sending the hold harmless document to XXXX to recover this $ XXXX for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OK

Complaint narrative:
100 % XXXXXXXX XXXX XXXX - XXXX XXXX of XXXX with XXXX dependent. Called for assistance- their only option was allowing to be XXXX weeks late. These people call me after being XXXX  day late. Regularly. 

This company has harassed and threatened me with repossession of my vehicle that is under a lien contract signed by my husband and I when he was alive. He was our source of income and I have stayed current with this lender over my own home lender. I figured worse comes to worse we can sleep in the truck. I've been working nonstop to keep them off my back. This company has ignored the protection in force for survivor families and caused an immense amount of mental distress to me on top of my current emotional and mental state in my current life situation. I have turned in all necessary documentation and they are still calling and emailing nonstop. The contract was null and void when we signed it with his military XXXX benefit included as income which i no longer receive. I have XXXX income and trying to keep the lights on and food. The disgusting treatment I have received from this company is out of control. To the extent the lender told me i could go find a way to come up with {$600.00} in less than XXXX weeks. I don't even have gas to get to the XXXX please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filled a dispute with chime XX/XX/XXXX. Upon filing the dispute I received an email from chime stating the transaction is not eligible for a temporary credit. It has been 14 business days since I filed this dispute. I filled a different dispute on XX/XX/XXXX where I received an email also stating I was not eligible for a temporary credit however XXXX business days later I received a temporary credit. Both disputes were for non receipt of goods/services. I called today to see why I am not receiving a credit for XXXX dispute and I was met with vague information and was told its because of the dispute type. Chime is using deceptive practices against cardholders and they are not honest nor fair. Under Regulation E, if a consumer files a written notice of error and the bank requires more than ten business days to determine whether an error occurred, the bank can take a longer time, provided it provisionally credits the amount in dispute to the consumers account. That is the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/23 I submitted my direct deposit information to Comdata to direct my wages to my XXXX checking account. As of today XX/XX/23 all my wages continue to go to my payroll card. Incurring fees and incontinence.

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 2023-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: OR

Complaint narrative:
My federal student loans were transferred to Mohela from XXXX. In XX/XX/XXXX, I completed an application for an IDR plan with the Dept of Education and Mohela, specifically the SAVE plan, as I have always been on an IDR plan with these loans since I began repayment in XXXX Mohela repeatedly denied my application, even though they had all the information and documents they needed to confirm my eligibility and calculate my payment. I repeatedly called them to attempt to resolve the issue, and I received conflicting communication via telephone and letters. In XXXX XXXX Mohela placed me on administrative forbearance because they could not timely process my application, even though I would rather not have been in forbearance because it doesn't count towards PSLF. In XXXX, Mohela informed me that I had been placed on the SAVE plan and would have a XXXX XXXX  monthly payment. But then they unilaterally removed me from forbearance at the end of XX/XX/XXXX, but did not begin my SAVE plan until XXXX XXXX. In the meantime, Mohela withdrew {$1200.00} from my checking account on XX/XX/XXXX for a payment on a " standard '' or " level '' plan that I never asked or consented to be on, and that I never should have been on, because I was always on an IDR plan ( including when my account was transferred from XXXX to Mohela ), I had already completed my application to be put on an IDR plan, and Mohela had already determined that I was eligible to be on the SAVE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XXXX XXXX XXXX letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XXXX XXXX XXXX  letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XXXX XXXX XXXX, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my 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 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
As paid this loan XXXX years ago and they are still charging and trying to take money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I stayed in contact with the bank and wanted to have them to please wait until my tax return was in. They said they would wait and then before they came in they put me in the check system and closed my account causing a whole mess of problems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When looking at my credit report I found that there was a major error on my account. I am suffering from XXXX XXXXXXXX  due to this. I need to buy a new house and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our home. I need this error removed immediately, my rights are being violated and I demand this inaccuracy be corrected at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all this inquiries reported to my credit report by some one who has my info and try to open credit cards.

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