vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Made 2 purchases for made to order merchandise from an online vendor with a bank of america credit card ending in XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX {$390.00} USD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - {$290.00} USD The original timetline for delivery was 6 months. Merchant failed to deliver the order and deployed deplay tatics and I finally opened the chargeback dispute with BOA on XX/XX/XXXX. The associated claim number was XXXX and XXXX for the 2 dispute of the 2 transactions. I provided all the necessary documentation for the 2 disputes. 

On XX/XX/XXXX, BOA wrote me electronically that they will not resolve the dispute becuase it fell out of the timeframe. I followed up with BOA serveral time on re-opening the claim and re-iterate that I purchase something that I didn't receive. If BOA were to ask for the opposing merchant financial institution for proof of delivery tracking, they would've fail to provide one since it wasn't shipped out and credit back to me the full amount. But BOA refuse to even proceed with the 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 monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: QC HOLDINGS INC
State: AL

Complaint narrative:
On XX/XX/15 XXXX at Lend Nation contacted my parents and said I would be put in jail for check fraud. this is in violation of federal law. furthermore money was taken out of my account two days earlier than agreed.

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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2023 I requested a {$120.00} check be issued and mailed for receipt on XX/XX/2023 to a known individual via USBank 's bill pay system. The check was issued and cleared my account on XX/XX/2023, however, it cleared for {$1100.00}. I viewed the digital copy of the check via the bank 's mobile application. The payee on the check did not match the payee I requested and the amount was not the amount I requested. The check was endorsed but no other banking marks are visible. It appears to have been deposited via a mobile application. On XX/XX/2023, I visited my USBank branch. I worked with a teller who contacted the bill payment fraud department. I was told I would have to complete a paper Affidavit of Unauthorized Paper Debit form and return it to the bank and that the form had to be mailed, not emailed. I asked for a provisional credit of the {$1100.00} as I did not issue the check, USBank did. The bank informed me that I had to wait 10 days for a provisional credit. I received the affidavit letter ( dated XX/XX/2023 and postmarked XX/XX/2023 ) on XX/XX/2023. I completed the document and returned to the bank on XX/XX/2023 so they could fax it to the fraud department. I again inquired about the provisional credit and was told the branch XXXX would contact me when he returned. I never received a call so I called the fraud department directly on XX/XX/2023. They told me I was not entitled to a provisional credit as this was a check fraud issue and I would have to wait until they completed their investigation.

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 2023-09-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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 XXXX 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 2023-09-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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 explanation
Consumer complaint received 2023-09-30 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: Professional Recovery Management
State: FL

Complaint narrative:
I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a deposit of a state check, I realized i needed access to the funds sooner than i thought I clled and askethem to please candeposit but since they had instructed me to write " deposit to Chime only '' on the back, i was not able tocash it anywhere i then called them and told them problem and since i had cancelled could i redeposit the check i was told " sure no problem just go ahead and redeposit '' the next day I get an email saying my check has been denied. they start treating me like i tried to cash the same check twice. I told them absolutely not and that i had called and cancelled the first deposit with a young lady name XXXX they claim to have no record of it because she did not cancel on their end. i had spoken to her on their chat feature and still had the conversation on my phone. this fell on deaf ears. I was obviously very upset, they suggested i get the check reissued because they were not going to accept it at all. it is a state check, that will take forever, this is their error i did all i could to keep them informed. I want to close my account with them. Unfortunately, when trying to open an account with a different online bank I am now being denied! i firmly believe it is because of Chime. they are no help at all it takes forever to get a supervisor I had to aske for one fromXXXX or XXXX different reps. please help me. Ii only want to speak to them on chat because i was told they do not record their phone. they claim to have started an investigation but as of yet i have not heard anything. this started on XXXX or XXXX i believe, it has been one of the most frustrating and stressful situations I have ever had. plus now am being treated like a criminal. this is very unprofessional and unfair. I demand they fix this and clear my name, I really dont know what else i could hav done to make it any clearer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc.
State: IA

Complaint narrative:
This company is a predatory lender. Attempted to pay this off within the 90 day window and mysteriously this company would not charge one or more of the payment cards used for payment due to what they told me were problems at their end. They then proceeded to damage my credit. I eventually paid more on this to try to get away from this company but it did not lower the amount owed. I found out that they try to call what they do 'rent to own ' but it is a scam charging you XXXX to XXXX percent interest on what they finance. This is a wholly illegal and predatory company preying on the poor and less fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp
State: CA

Complaint narrative:
This started with my monthly loan payment amount being increased from XXXX XXXX XXXX XXXX XXXX. I did some research on my own only to find very disturbing facts. Although not necessarily the fault of the servicing company ( ZuntaFi ) I found the reason for the increase was due to the FED RATE INCREASES. Two {$25000.00} balance loans now will cost an additional {$10000.00} EACH thanks to the FED Interest rate increases. Disgusting, but a complaint for another time and entity. It does relate to suggested resolution. 

The complaint here is about THE CALCULATION OF PAYMENTS AND TOTAL AMOUNT TO BE COLLECTED. 

When I did the calculations across multiple student loan calculators I found there to be either too many payments, or too much collected per payment. This depends on how one looks at the loan. When I contacted ZuntaFi and brought this to attention I was given reasons relating to total collection and the sudden ( and significant ) monthly payment increase. The terms of the length of the loan was one reason. The terms of how payment increases may be made if the interest rate increases in order to keep the length of loan term within the contracted time was another reason. 

Whether I agree or disagree with those reasons has no room for debate. HOWEVER, under those conditions the way they calculate remaining payments results in my having to pay almost {$1500.00} OVER ... IN ADDITION TO... THE ACTUAL AMOUNT TOTAL AMOUNT DUE FOR EACH LOAN. 

Essentially 4 additional months of payments after the loan is paid in full. Once again multiple loan calculators confirm this when plugging in THE EXACT numbers provided by ZuntaFi INCLUDING the loan term as their excuse for how payment amounts are calculated. 

It is my belief this would have been completely ignored and I would have paid more than {$3000.00} too much ( two loans of near equal value ) IN ADDITION TO the {$20000.00} total increase as a direct result of FED interest rate increases. 

When I made it aware to my contact at ZuntaFi she told me everything is governed by the contract and the amounts are correct. She sent me information that included payment history and some contracted information and basically closed the conversation ( there were several emails back and forth ). NONE OF THE INFORMATION SENT TO ME ADDRESSED THE CONFLICTING CALCULATIONS though I was told it would answer all of my questions. 

I have not contacted ZuntaFi since receiving and studying the information sent to me. It is my belief I have come to a meaningful end to productive communication with ZuntaFi. That is why I am here. 

Dates of communications are RECENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I lost my phone and card inside a XXXXXXXX XXXX! My card was used online & in multiple different other places. I contacted the banking company when after I was able to locate my personal things. Some of my cards were missing as well as my medical cards. They sent me out a new card and disputed the transactions but immediately denied my disputes although some of the transactions were not made by me. The disputing process takes up to 90 days the took one day to review closed the investigation. They did not try to refund my money. I let them know the dates I used my card and the dates I did not use my card which were the days the unauthorized transactions were made. My card was closed for fraudulent activity yet I couldnt receive a refund for the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX our victim sent {$600.00} to a family member with PayPal through XXXX XXXX. 

This money was received by the family member at that time. On XX/XX/XXXX at around XXXX the family member sent {$600.00} back to our victim. An issue with the PayPal account that was associated with XXXX XXXX  prevented our victim from receiving it. 

Our victim contacted PayPal to get this resolved, they told her " we will refund the {$600.00} back to [ the family member ] which will take a while, don't call us about it again, because we don't know when it will be complete. '' Over the course of several months our victim contacted them repeatedly to resolve this issue and still has not received a resolution. On Thursday XX/XX/XXXX we called PayPal and spoke with XXXX who was unable to find the previous calls and said our transaction number was invalid, even though we could see the transaction in the deprecated account. She created a trace over the transaction and said it would be complete within 48hours and we would receive an email, we confirmed that this included the weekend. 

Unfortunately that email was never received. So today we called PayPal to follow up and spoke with XXXX who was unable to find previous calls as well and could only see XXXX case that she created. We were told conflicting information regarding case numbers, transaction IDs and resolution time. According to XXXX it would take another 72 hours starting Monday, because XXXX filed the report on Friday or Thursday, she was sketchy with all details and continued to give us contradicting information, and when asked she was unwilling to provide a reference number, but did provide a PayPal ticket number. XXXX We informed them that because they would not give accurate and true information, nor a proper resolution that we have no choice, but to involve additional agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
The company ONE MAIN FINANCIAL ADDED a loan that was paid off through the US Bankruptcy courts in XXXX. ONE MAIN HAS ADDED A PREDECESSOR 'S SPRINGLEAF FINANCIAL that purchased ONE MAIN FINANCIAL in XXXX information THAT REFLECT paid off in full by the US BANKRUPTCY COURTS in XXXX AND CLOSED. 

ONE MAIN FINANCIAL is utilizing this information of payment by the US BANKRUPTCY COURTS in their system to RETRIEVE AND GET PAID TWICE BY ME VIA THE COURTS AND SPRINGLEAF FINANCIAL SERVICES. I HAVE THE LEDGER OF PAYMENTS. I WANT ONE MAIN TO STOP THIS METHOD OF DECEITFUL PRACTICE ON THEIR UNSUSPECTING CUSTOMERS, LIKE ME. 

Please add my name to the ONE MAIN VICTIM 'S FUND FOR REFUNDS ON ALL THAT IS OWED TO ME. I APPRECIATE YOUR TIME AND CONCERN WITH THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: MOHELA
State: IL

Complaint narrative:
I filed a borrower defense application back in XX/XX/2023. I chose the option to not put my loan in deferment or forbearance while it was being processed. I just received a letter stating that it was put into forbearance. I have not authorized or requested any forbearance. I am applying for a mortgage and this is making things difficult. 

I want them to remove the forbearance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation