vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
My credit card was billed {$100.00} by XXXX. I contacted the credit card company to dispute the transaction. The {$100.00} was for a subscription for monitoring of XXXX security cameras that I purchased from XXXX XX/XX/2022. The cameras were stolen shortly afterwards and I cancelled the subscription XX/XX/2022 with XXXX. No refund was given for the unused portion of the monitoring. I changed my credit card number immediately after notifying XXXX. I never had interaction with XXXX nor anyone identified as XXXX. The fraudulent transaction should not have been billed to my new card by the credit card company. I believe credit card company employees are scamming senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: EdFinancial Services
State: TX

Complaint narrative:
I set up automatic payments that were set to begin in XXXX, but the company did not draw the funds from my bank account. Thus creating a past-due account and now requesting that I pay XXXX 's payment and XXXX 's payment with no other option. I submitted those two months of payments on XXXX XXXX to avoid delinquency. On XXXX XXXX and XXXX, the payment was reversed by Edfinancial. After online research, it appears the company is intentionally trying to manufacturer late payments for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: 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 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  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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.

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 2023-10-25 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged overdraft fees because they let XXXX go in my account and take out {$10.00} and they didnt give me no time to put the money back

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently submitted a claim because Chime keeps finding ways to delay sending me my money from the account they closed. this has been going on for over 2 years now. I sent my passport, My drivers license, banking bills, insurance bills, ive sent over 10 documents to receive my check in the mail. Everytime I do this they find a reason why they cant verify the documents which is the same thing they were doing to me before, making me go in circles while holding all my money and refusing to return it. its criminal what they are doing and an absolute scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In the period from XX/XX/XXXX to XX/XX/XXXX, I did not have enough funds to cover some automatic payments, and my account was not enrolled in Overdraft Protection, in fact, when I open the Checking Account, I refused to enroll in Overdraft Protection and asked Wells Fargo to decline every payment when I have not enough funds. However, Wells Fargo went beyond the account agreement and decided to pay them and charge me fees for them even though they were low amounts, for a total of {$170.00} in 5 days. Some of the transactions occurred the same day but they posted in different days so they can apply additional fees. Three of the transactions were lower than the fees they applied, one of them a XXXX $ transaction which they charged {$35.00} fee. 

XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX CARD XXXX {$49.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$49.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX BUSINESS TO BUSINESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$30.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$30.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX CA XXXX CARD XXXX {$19.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$19.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined.

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 2023-10-25 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: DC

Complaint narrative:
XX/XX/XXXX there were 12 unauthorized charges on my account I contacted chime and the denied the claim so I contacted back for them to reopen the case they did but only approved 7 charges when I showed proof of being at work in the hours of the charges being made. I lost my card that Tuesday during a fire drill at work I'm guessing and didn't notice until that Friday when my friend sent money to help me pay my rent. I rebutted it last night and they again denied as soon as the agent sent it in which is not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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:
XXXX has open fraudulent account on my credit profile I was trying to close it, they kept it open for 2 years, and didnt close it every time i asked them to do it, they only forced closed this account after multiple delinquencies.they never closed the account when i asked them too, they didnt give me any additional information about anything I reached out to Experian, they didnt do anything to help, they also didnt update my account for entire month by the way. ( 45 days and my score didnt change ) so now I also think experian is being Negligent to my credit profile as well, I filed a fraud case with them and in one day, no changes.like they didnt even look into my case, If your ready this, fix your mistakes before I get into legal action, im also contacting the FTC after sending these details.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I made 2 advanced payments ( scheduled ) one on XX/XX/XXXX and then one on XX/XX/XXXX. The payment on XX/XX/XXXX was the incorrect amount so I called them up and asked them to cancel that payment. XX/XX/XXXX rolls around and I get my bank statement on line and I see where they processed both payments. I have reached out to them and they told me it would take 11 days. after the 11 days nothing and a called back on XX/XX/XXXX and they told the refund had been processed and it would be 11 more days. They posted the payment again on XX/XX/XXXX and it now shows the refund is being sent on XX/XX/XXXX therefore 11 more days. When do make a payment it post immediately!! It show on the website but no action to the back account and I'm losing interest from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights 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 2023-10-25 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I applied for XXXX XXXX later on XXXX and was denied due to my score through Experian. In the email it says my score was XXXX on XX/XX/XXXX, but I have an Experian account and my score is at XXXX ( it was XXXX on XX/XX/XXXX ) so Im not sure how my score could have been XXXXso I was denied credit!! Every time I call in they are rude and dont help 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I requested {$7.00} to borrow from my brother on Venmo. 

My brother sent it to me. 

I had an outstanding Venmo Credit Card fee due. 

Venmo automatically charged {$7.00} when they saw cash. 

Transaction ending in XXXX. 


I just won a $ XXXX {$9.00} XXXX default judgment against the XXXX XXXX XXXX  XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account was opened when child was XXXX. He admitted to the crime. I had no involvement. XXXX XXXX would like to be100 % responsible. The bank is trying to get me to pay back crime money because I have good 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 explanation
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
XXXX XXXX was removed from paid ahead status but the SAVE payment calculation is incorrect. My original save payment calculation for that loan was XXXX but aidvantage is currently reporting that I will owe XXXX under SAVE. 

this is incorrect- the XXXX is what I would owe if I were on the standard repayment plan. 
They refuse to update the payment amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX shows a hard inquiry on my credit report on XXXX and that is incorrect. I only ran my credit on XXXX

Company response to consumer: Closed with non-monetary relief