vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Claim # XXXX Claim # XXXX On XX/XX/2023, I discovered an unauthorized charge for {$2700.00} at XXXX XXXX XXXX and Chime credit builder accounts. Immediately, I notified Chime about the unauthorized charge and emphasized that I did not make it. However, to my dismay, Chime has consistently rejected my claim without providing any evidence from the merchant involved. 

The magnitude of this situation can not be understated. My card number and personal information were stolen, leading to me becoming a victim of identity theft. This incident has profoundly impacted my life, causing financial turmoil and immense emotional distress. 

Despite my efforts, Chime has demonstrated negligence in handling this matter. I promptly reported an authorized transaction on XX/XX/2023, and I contacted Chime 's dispute department to inform them about it. Shockingly, even in XXXX, Chime allowed my card to be used for an unauthorized transaction of {$2600.00} and {$220.00} on XX/XX/2023, despite my explicit communication that it was not authorized, and my account did not have sufficient funds. 

The consequences of Chime 's refusal to address this issue have been severe. This situation has left me struggling to meet basic needs for myself and my children. I rely on Chime to protect me from fraudulent activity, and their failure to do so has caused significant disruptions in my daily life and financial stability. 

It is imperative that Chime takes immediate action to rectify this situation, provide the necessary documentation from the merchant, and compensate me for the financial damages I have endured. I deserve to feel safe and secure in my financial transactions, and I urge Chime to prioritize the well-being of their customers by resolving this matter swiftly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
After reviewing my credit reports I noticed some incorrect addresses on my profile. I sent a letter requesting the addresses to be removed for safety and privacy of my personal information only, my letters went unanswered. Please remove the incorrect personal information from my profile because it does not belong to me and violates my privacy. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: Nelnet, Inc.
State: VA

Complaint narrative:
I was shocked to find out that my loans were transferred to Nelnet without any prior notice, and I only learned about it when I received their bill. To make matters worse, they had combined three loans, including two belonging to my XXXX children who were already in the repayment phase, into one bill, and I was charged {$490.00} for it. The statement was dated XX/XX/2023. When I called them to get more information, I was told to try back later as the hold time was over 30 minutes. Also, an hour before closing time, all calls were cut off. Online, when I attempted to check my account, there is either no phone number or a phone number that does not belong to me associated with my account, preventing access to account online. When I tried to contact their IT department, I was put on hold for 30 minutes and then disconnected. The live chat online was also unhelpful, redirecting me to a page with the same phone number and wait times of over 30 minutes. I need Nelnet to provide me with an explanation of the loans they are billing me for, the phone number associated with my account, and a possible correction, as I have never paid {$490.00} for a student loan payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-18 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: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
I overpaid my first payment with Aidvantage on XX/XX/XXXX. I also set up auto-pay on their website. I received confirmation of both the payment being made and the auto pay being set up, however, a week later, I received an email that my payment was overdue. I logged into Aidvantage, and saw that somehow the payment had been reversed. The bank account numbers are all correct. I also saw that autopay was no longer set up. Now my credit score is being affected by their error. I have sat on the phone on hold for hours and never receive any custmer service. I feel trapped and deceived by a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Between XXXX and XXXX of XXXX, I sent several messages to Mohela via their online message feature requesting that in-school deferment status be removed from my account. Every response told me I needed to request in-school deferment removal in writing. On my final request, I asked to be directed to a form since none are listed on their website and noted that this was my third time requesting the removal in writing. On XX/XX/XXXX, I called Mohela and, after XXXX and a half hours, was told by a representative that the only way to permanently request the removal of in-school deferment is to call in, make the request, Mohela will XXXX send a form via USPS, and after sending it back, the deferment would be removed. I was told the form would be sent out immediately. On XXXX in the evening, I received several messages from Mohela stating my in-school deferment had been reinstated ( the exact opposite of what I was requesting ). On the next business day, XXXX I called Mohela and, after waiting XXXX hours on hold, was informed that the previous associate I spoke with entered the incorrect code and placed me back in deferment. 

Mohela does not have information anywhere on their website directing borrowers on how to request the permanent removal of in-school deferment status. I was only informed that there was a form after calling in and waiting hours to speak with a representative. Even after going through this process, the representative was able to enter a code and reinstate the deferment status without my consent and without my signature. 

Mohela offers several other forms via an electronic format, yet for some reason, this form must be sent via USPS, which only adds unnecessary delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
I'm hoping you are doing well as I write this. I'm writing to say how deeply concerned I am about a fake account that was opened in my name without my knowledge or approval. The goal of this communication is to make my rights known and demand that this issue be fixed immediately. The fraudulent account in question is as follows : XXXX XXXX I am able to vouch for the fact that I did not authorize or create this account after a careful inquiry. My financial situation has been significantly impacted, and this fraudulent behavior seriously jeopardizes my personal safety. 
I must emphasize how urgent this situation is and how prompt action is required to resolve it. If left ignored, the bogus account in question will likely hurt my financial future and severely harm my credit record.

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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I pulled my credit report while house searching the other day and noticed there is a charge off on my credit from Capital One. I am requesting that this account be removed/deleted from all 3 credit reports. 1 ) I did not receive a 1099 C Form for this debt. Please send the 1099 form and full and complete letter of validation for this debt. 2 ) This account is showing on my credit as a charge off with all 3 Credit Bureaus ( XXXX, XXXX and XXXX. ) and all 3 credit bureaus are reporting differently which is inconsistent & inaccurate and illegal as well as in violation with the FCRA. 3 ) All 3 credit Bureaus are supposed to be 100 % accurate/consistent. 4 ) A charge off is considered income by IRS. Income can not be reported on a consumer report 5 ) Late payments are associated with this account as well as past due amounts which is illegal/inconsistent. 6 ) The last date of activity is different/inaccurate in all 3 bureaus. I have filed a complaint & disputed this with BBB this month and was told by Capital One it had been verified as accurate. That cant be so, as I have looked and found several inconsistencies amongst all 3 bureaus. 8 ) High balances are showing up different on all 3 bureaus which is inconsistent info. Please remove/delete this account from all 3 of my credit reports as it is in violation with FCRA Section 611, 15 USC 1681 S-2 ( a ) ( 1 ) ( a ) Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX IXXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
. I have a 5-year auto loan with Credit Acceptance . I opened this account in XXXX for a vehicle ( XXXX XXXX XXXX XXXX ). 
In accordance to the XXXX moratorium that ended in XXXX late fees and interest charges were not supposed to be charged during this period - yet Credit Acceptance continue to collect these fees on this loan. Also, the additional fees they continue to charge are junk fees and makes no sense why these fees are being collected.

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 2023-10-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was waiting for a package that never arrived. As I was still waiting for the package I received an email from usps to redeliver the package and update the address that was wrong. I licked on the link were it sent me to a usps looking like page where I put my address again and at the end it said it was going to charge me XXXX cents for the redeliver which I was fine with. I added my card and payed. I check my account to see if it went through and I did not see it post it. I then received an email from Chase saying that my card was added to XXXX pay which was an action I did not made. I thought it was an email about apply pay but I noticed too late. When I went back to my account I notice multiple pending transactions of XXXX dollars from different states. They were XXXX in total. I called Chase right away and the only thing they did was give me a new card and reactive my account with new username and password and gave me temporary credit. Then my claim was denied and credit was taken off. Now my account is on negative. Please help me, I lost XXXX dollars and Chase is not doing enough after I sent documents that were linked to the link of the scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: AL

Complaint narrative:
SELF / LEAD - XXXX - {$0.00} SELF / LEAD - XXXX - {$0.00} XXXX XXXX XXXX  - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} SELFINC/LEAD - XXXX - {$150.00} SELFINC/LEAD - XXXX - {$150.00} On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX account number XXXX, has violated my rights. 

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 an account without my written instructions.

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 2023-10-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX account number XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2023-10-18 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: TX

Complaint narrative:
I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.

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 2023-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A payment was made on my Paypal Credit/Synchrony Bank for {$580.00} and posted to my account on XX/XX/XXXX. The check has cleared my bank and I am attaching a copy of the cancelled check for proof of payment. My account number of XXXX XXXX XXXX XXXX is also on the face of the check so it would be applied properly to my account. 

Prior to the payment posting I requested research as to why my payment had not been posted to the account as it was sent in earlier in XXXX. Apparently XXXX disputes were started for the same issue on the same day and a Dispute temporary credit issued twice for {$580.00} on XXXX 

On XX/XX/XXXX, the payment finally posted to my account for the {$580.00}. 

Then on XX/XX/XXXX - THREE reversals were made for {$580.00} on my account- all of which are listed as PAYMENT CORRECTIONS. Only the XXXX temporary credit amounts should have been corrected, not the actual payment made that cleared my bank for {$580.00}. 

Then on XX/XX/XXXX ANOTHER charge shows up on my account for {$580.00} and is listed as a purchase. There is no such purchase and this is a fraudulent charge. 

I now have XXXX {$580.00} amounts showing on my account that are NOT CORRECT and need to be fixed. My payment for {$580.00} on XX/XX/XXXX needs to be posted back to my account and the charge for {$580.00} on XX/XX/XXXX needs to be removed for a total of {$1100.00} credited back to my account for these error to correct the balance on my account. 

I have made multiple attempts to call Synchrony Bank/Paypal and am either transferred to " billing '' and the call disconnects or no one ever answers the call after very long hold time. It is impossible to try and resolve anything with this company via phone or chat. 

Their billing practices really need to be formally investigated as something is very wrong here and consumers are being negatively affected. They also are reporting incorrect balance to the credit bureaus based on these errors that also needs to be corrected immediately. It is unacceptable to be told it will take 1 -2 billing cycles to correct their very large errors and have my credit negatively affected and incorrectly reported under the FDCPA. I need this corrected immediately. This is almost {$1200.00} in errors!!!! I do NOT owe these amounts.

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