vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union has permanently closed my checking account and they are keeping my money for and {$46.00} saying that there was fraudulent use on my account which they did not not even notified me of. I had to go in the bank and find out, and they are saying it was a problem with a XXXX payment, which was not fraud, and went through just fine and funds are received and so now the bank account is flagged and permanently closed and the bank is going to keep my remaining balance of {$440.00} without a reason of why

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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 have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( Transunion, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with 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 2023-10-23 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: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MOHELA
State: TX

Complaint narrative:
I am filing this complaint to MOHELA for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an inquiry from XXXX XXXX on my credit profile with XXXX that I do not recognize from XX/XX/2023 thats not mine. 

There are also incorrect inquiries on my credit report with TRANSUNION that I do not recognize that arent mine on XX/XX/2023 at XXXX XXXX  XXXX, XX/XX/2023 at XXXX and XX/XX/2023 at XXXX XXXX XXXXXXXX. 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please 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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Working with chime company, Had fraud on a credit builder checking account XX/XX/2023 was resolved in my favor funds were credited back to a closed account, as account is closed Im u able to withdraw or transfer funds to another account chime member service has confirmed several emails that the check went out in XX/XX/2023 then another email in XX/XX/2023 as my issue isnt being resolved I am communicating via phone and email and email response is automatic and continue to request my address also confirming check is out received another email today saying credit to my account however chime failed to provide me documents with proof my current checking account was credited researching all history chime has yet to send me disbursement funds as I have referred to companies closing account procedure the 90 days service level has expired and my issue isnt resolved or handled properly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I send money on XXXX XXXX. Promised availability is XX/XX/XXXX. Until now nothing receive but money was already drawn from my account. Called on the XXXX and they told me to call again within XXXX to XXXX. When I called again they told me the same thing. On the XXXX I received an email from Western Union customer care team that says that it the cause was a recent internal system update that affects the availability of the money and some transactions. I called again that day and the same answer, call again within XXXX to XXXX hrs. I called again today and talked to a supervisor and at first he said he didnt see the email that says about the recent internal system update. Theres no use of talking to them cause they dont know what is really happening and they keep on telling different answers to me. The problem said was already escalated to the right department on my 2nd call but nothing is being done. It was a very frustrating ordeal cause although it is a small amount but it is a hard earned money and my daughter needs it for their expenses in another country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -TransUnion -- -- - 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 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 2023-10-23 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: CAVALRY INVESTMENTS, LLC
State: DC

Complaint narrative:
CAVALRY PORTFOLIO SERVIC did an unauthorized credit check on my XXXX report. This Account Review Inquiry is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
Beginning on XX/XX/XXXX and ending on XX/XX/XXXX, I received a total of XXXX advertisements via a text message that were created by cash App and sent to me in conjunction between cash app and their customers as part of a referral program. Those advertisements promised credits to either the other customer, myself, or a combination of both parties. The most recent of those advertisement msgs was sent on XX/XX/XXXX is replicated below : " Hey! I've been using Cash App to send money and spend using the Cash Card. Try it using my code and youll get {$5.00}. XXXX XXXX XXXX XXXXXXXX '' During the set up of my Cash App account, I was not notified of any additional terms or conditions, nor were any additional terms to the referral credits conspicuously disclosed to me. 

After receiving my card and sending/receiving money, and using my card and software ( Trying it ), I entered into the CashApp software the most recent referral code, and received message stating that : " You've got {$5.00} waiting! '' However, the {$5.00} was never credited to my account. 
I then contacted customer service and requested to know what the specific reason or disqualifying event was which caused them to deny honoring the credit offered in their advertisement. 

The customer service reps refused to cite the specific reason why they were denying the credit. In addition, I requested to know when my account was created and they refused to obtain that information and provide that information to me. 
Attached is a transcript of the messages between me and customer service. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX $ XXXX = ' ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On multiple occasions, my Chase checking account has been double charged with XXXX after XXXX have already transacted my account. I feel Chase is the culprit of the second charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
Opened secured credit builder account with Self credit card in XXXX requiring a security deposit. Company sent notice of account closure on XX/XX/XXXX. Was informed any balances owed would be deducted from security deposit and the balance of that would be mailed to me via a check. Received the check in mid XXXX of XXXX of {$640.00}. However, account was never closed. Self is stating i owe {$160.00} which is the result of interest and late fees that has accumulated over the past 18 months due to Self refusing to close the account. they are telling me they will not close the account until I pay the interest and late fees. They have been reporting me to the credit bureau as late and missing payments on an account that should have been closed with a {$0.00} balance. I have requested they close the account to which they are stating they will close it once I make the payment. I have requested they remove the additional fees which they refuse. This is fraud. Im being charged bogus fees and if I do no pay them, they will continue to report me negatively to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
Hi, Pursuant to 15 USC 1692g ( b ) I sent a Notice of Dispute on XX/XX/XXXX to Orbit Leasing , Inc. notifying them that I was disputing the alleged account they have on my consumer report for the amount of {$6900.00}. I then sent out a Debt Validation Letter, along with a Cease and Desist on XX/XX/XXXX. It is XX/XX/XXXX and I have yet to receive a response from this company. I do not owe them, and will not pay for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MT

Complaint narrative:
When I applied I was under the impression that the loan had an interest rate of 10 %, however the 10 % is charged on the balance of the loan after each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have 3 complaints toward PNC Bank.

1. My primary complaint relates to them closing my credit card account without my permission. The card ended with XXXX. I called once because PNC owed me money ( card had a negative balance ) and an agent on the phone said they would credit my checking account with those funds. No discussion or permission was made around closing out my card once it had a XXXX balance. They did this WITHOUT CONSENT negatively impacting my credit score as this was my oldest line of credit. I need this reinstated with that initial date as they closed in error. 
2. Did not receive XXXX gift card from credit card points redemption. This should be for {$100.00} and I received no mail or email after requesting. 
3. XXXXl customer service and problem resolution. I have been trying to work with PNC on this. I filed a complaint on XX/XX/XXXX and no one has explained anything to me yet. My complaint was escalated on XX/XX/XXXX and I got an email on XXXX from XXXX XXXX. I sent her three emails for an update without reply ( XXXX, XXXX, XXXX ) and called on XXXX and left a message. On XX/XX/XXXX I emailed and called again and pressed " XXXX '' to speak with someone else, explained my circumstances and he said he would give info to XXXX who was still not reaching out. I heard nothing so I emailed on XX/XX/XXXX before finally hearing from her on XX/XX/XXXX. She had not spoken to the person who I spoke with on XX/XX/XXXX and had no information. I did not hear anything from her so emailed again on XXXX, she called me later that week and said they were " looking for the initial call '' and would get back to me. I have not heard anything, so I emailed her again today XX/XX/XXXX and am filing this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
* I enrolled for biweekly mortgage payment for this mortgage ( initially was monthly 30 years fixed ) * I got an official amortization schedule for Wells Fargo, which detailed the exact timeline for the extra principal payments ( given the loan is now paid biweekly rather than monthly, I will have specified biweekly payments which will go towards principal. Specifically, each month in which there are 3 biweekly payments, 1 of them should be fully used to decrease the mortgage outstanding amount ).

* Since then, Wells Fargo has failed to apply the appropriate extra biweekly payments to principal - contrary to the same official amortization schedule they had sent to me * I called them in XX/XX/2023 ( that was the first month in which one of the extra biweekly payments should have gone to principal ). After spending lots of calls and time, they recognized the error and adjusted the account. 

* However, I have now called them again just to make sure that in XXXX we do not have the same error / problem again ( XXXX is the next month in which the extra biweekly payment should go to principal ) and they said no. Again, that is against the very same official amortization schedule they had sent me, so that is an illegal practice ( never have I seen a mortgage provider disrespect the official amortization schedule they share with a customer? ) * I spoke with several escalation managers, but they do not provide you with name / contact details/ emails- all you have is a phone number that you need to spend hours on with. Either way, I submitted an official case with them ( I wanted to provide them with an opportunity to redeem before escalating to CFPB ), but all they did was to ignore the issue and say I can not do anything about it. 

* As a single small consumer, I feel I am being scammed and bullied, and the fact Wells Fargo is not providing me with emails and contact details of actual managers who could solve the issue is unacceptable * As a consumer, I should put full trust in them and what they do- and yet I had to uncover the issue and the problem myself by going in detail through all the accounts payments. I have no faith in them anymore- and to be fair they as an organization are not new to such predatory behaviors against small consumers

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 2023-10-23 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was informed by XXXX credit reporting agency that a credit check had been requested. Our credit score was negatively effected by this request. I did not authorize this action and made no application for credit. This inquiry was made by J.P.Morgan Chase, XXXX XXXX XXXX, XXXX. XXXX, New York XXXX. Our home bank is Chase Bank in XXXX. To our knowledge we have not had any interaction with the New York Bank. This led us to fear this inquiry may have been initiated by a fraudulent attempt to use our information to obtain a credit card or some other financial service. We inquired with our home bank and were told they had no information that would indicate Chase had asked for the report and were told to call XXXX. After very long delays on the phone XXXX told us we had to call Chase. We attempted to reconnect with Chase bank but were unable to because of the very long delays and lack of response. 

Remedy - Chase bank needs to communicate with us regarding this unauthorized request and remove this negative item from our credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: AZ

Complaint narrative:
An account was created XX/XX/2023 for a company called XXXX using my credentials including my social security number. The company Jefferson Capital contacted me and said I have a debt of XXXX. I gave the company all my information including my email address. They gave me an email address that's not owned be me which is XXXX. Someone used this email to create an account and purchase something through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: OH

Complaint narrative:
I have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2023-10-23 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: AL

Complaint narrative:
I have tried to make my payment twice with Nelnet.com. First on and XX/XX/XXXX and then on XX/XX/XXXX. After days of processing the payment was returned to my account both times. My account appears past due and shows a penalty for it. I have been on hold for hours 3 separate times unable to get any help from customer service. I have also tried emailing twice with no response.

Company response to consumer: Closed with explanation