vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I rented a car through XXXX when I visited XXXX on XXXX. I was charged for damage to the car I did not cause. I have a picture of the damage prior to getting in the vehicle and it is timestamped to show that it was prior to the rental. After returning the vehicle I mentioned the damage and how it was there prior but the rental staff did not do anything about it and I went on my way. A few days later I noticed a charge on my Citi credit card with a charge for the damage that I did not cause. I first reached out to XXXX as it was there issue and not CitiBanks. However they did not respond they claimed I caused the damage and were not helpful even though I had proof. After reaching out to XXXX I decided to go through CitiBank and dispute the charge in hopes that they would ask for my evidence. However they only reached out to XXXX XXXX to get there side of the story and closed my dispute without looking at my evidence which clearly proofs I was not at fault. The total amount charge for this incident was {$170.00} and was charged under the name of 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
William and Fudge , Inc. sent me a text message regarding an amount owed to them. I have no knowledge of this company or who the original debtor is. I reported the message as spam. On XX/XX/23, I received an credit karma notification stating that there was a new account in collections added to my report. 

In accordance with Section XXXX - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interests or fees except those allowed by the original contract and state law. 

Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Fair Trade Commission and the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Our previous mortgage company, UWM, did not pay the property tax that was due in XXXX on time, so we received a delinquent tax bill and additional penalties. Our property tax would have been {$4400.00} if it was paid before XX/XX/XXXX, but because they didn't make the payment, we had to pay {$5000.00}, including the penalty, on XX/XX/XXXX. UWM argues that they are not responsible for this situation because their mortgage service was sold to another company on XX/XX/XXXX. I demanded an investigation and accountability from UWM regarding the incident of my property tax being delayed, which occurred before their company was sold, but they only provided evasive answers. I am attaching " File 1 : Delinquent tax bills and my receipt '' and " File 2 : My claim filed against UWM and their response '' regarding my losses incurred due to UWM 's failure to fulfill their duty of representing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had Three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: KY

Complaint narrative:
Before I consolidated my student loans with a parent plus loan, I spoke with XXXX at length about it and I was told that my payments made would still count towards discharge and would remain the same. Discharge in 25 years. They gave me credit for those months and continuously reported it as such. 

However, when AidVantage took over they changed it and took away those credit years showing now I owe another 18 years. I complained and they refuse to change it back. I filed a complaint with Student Aid and they just referred it back to AidVantage and it won't change. 

So, now I'm trying to file a complaint with CFPB to see if I can get this addressed and taken care of. I'm almost XXXX XXXX XXXX. The massive interest on the student loan has grown and it will never be discharged in my lifetime if I don't have credit for the years as stated by XXXX. If I get credit for those years, I will be close to discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an email stating that the phone number associated with my new Chime account had been changed. I do not have a Chime account, nor did I apply for one. The phone number is XXXX XXXX XXXX. This number belongs to HHS OIG. 

I have called Chime and they immediately closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 a client pay me summer {$570.00} in which Chase Bank received it via a link. After receiving a payment, Chase bank, then froze the funds and close the app and refused to tell me where the funds is located. After speaking to several representative, they all told me that they cant not give me any information with regards to where my money is located when they will be released, but that it can take up to 120 days. I am livid as we are a small family owned and operated business, with XXXX children. Give me my money. I will file suite against this crooked XXXX establishment for damages for stress, and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cohen & Cohen Law, LLC
State: NJ

Complaint narrative:
The company XXXX XXXX has Close the account XX/XX/2017 now the Law office of Steven Cohen, LLC is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Talked to XXXX  today the executive advisor on my case and she Claimed the last payment I made went toward interest and partial to the principal payment but was not given any numbers on what I actually owed. Never received information on how due date was calculated or why my balance was {$2800.00} all he ever says is hes working on it but he has all the he need. I went to pick my vehicle up at XXXX at XXXX XXXX and the battery isnt working and the driver side window is cracked/ broken and tried to make a claim with both companies but nothing was done about anything.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Equifax has completely ruined my hopes of ever getting approved for anything worth having. the customer service and disregard for someone who is trying to get this problem fixed has crushed my spirit. Not having a credit score and being able to not see what is on your credit report will make a person feel defeated and i feel defeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I co-signed for a vehicle for an ex, went to court over the vehicle and judge instructed she had to get it refinanced, under that clause I was also not legally responsible any longer. more time goes by and i get calls from the lender, ( how are you planning on paying this, do you intend to keep the vehicle etc.. ) after explaining to them several times she wrecked the vehicle XXXX XXXX XXXX XXXX XXXX XXXX she's currently in XXXX, there was no insurance report so i'm guessing XXXX XXXX XXXX XXXX XXXX  and also wrecked it again, I also have court documentation proving my side of everything and they still charged my credit. I want this fixed ASAP.

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 2023-07-20 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: CA

Complaint narrative:
I am the treasurer of a 501 ( c ) 3 non-profit that has had a PayPal account for quite some time. They recently offered to lower our rates/fees since we are a non-profit organization, and so we submitted all of the information they requested, and on XX/XX/2023, they approved our " charity status '' and moved us to their charity rates. However, we recently realized that this actually significantly RAISED the fees that we are paying them ( nearly tripling! ). 

When we contacted them to go back to our old rates, they have refused. When we asked to escalate and speak to a manager or supervisor, they promised one would contact us, but then they have not. Our previous rate with them was 2.99 % plus XXXX cents per transaction. Our new " charity '' rate with them is 1.99 % plus XXXX cents per transaction. Our average transaction with them is {$7.00}, so our average fees have increased from around XXXX cents per transaction to nearly XXXX cents per transaction. 

We just want to go back to our prior rates ( 2.99 % plus XXXX cents ) but they refuse, and we're not sure why. They did offer to put us in a micropayment rate plan, but that would still be significantly more than we were paying. We also feel like they should refund the extra fees we have paid them since XX/XX/XXXX, since they misled us by telling us they were going to be lowering our fees, and instead nearly tripled them. 

PayPal is telling non-profits they are helping them by lowering fees, then tripling their rates. That can't be legal. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I'm having a problem with someone applying for American express credit cards in my name to my address. I have no reason to apply for XXXX American express cards when I'm trying to build my credit! purposely trying to leave hard inquiries on my account to XXXX me over!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of 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