vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I went to XXXX to see XXXX. While there I used my Wells Fargo Visa card ending in XXXX. A few days after this trip I received an email from Wells Fargo stating that I was over limit. I pulled the account up on the web and notice many charges that I didn't authorize. I called Wells Fargo 's Fraud department and the rep and I went over the fraudulent charges. The rep said they would file a case and create a new account. A few days later all this happened. However, two new charges appeared on my account ( XXXX - " XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1500.00} XXXX XXXXXXXX - " XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} ). I called Wells Fargo 's fraud department again that these charges where not made by me and they proceeded to create another case. I waited several weeks and after hearing nothing I called that department again asking what was happening. To my surprise the rep said the rep I spoke to previously had mis understood my request and put in a claim that my card application was fraudulent and they determined the application was correct. I was completely shocked and restated my previous claim that the two charges were fraudulent. During the call, as the rep was creating a new claim to replace the incorrect one, I asked why they had credited my account for charges from the same, " XXXX XXXX XXXX vendor made on XXXX and XXXX yet had not credit the charges on XXXX and XXXX? The rep said because they appeared on the account after the original case and 'came in ' later. I became fustrated and said I had no control of when fraudulent charges hit my account. The rep assured me the new claim/case would fix the situation. A few weeks after filing the last case I received a letter stating, " We have completed our research and found the disputed charges on your credit card account are valid and appear to be authorized by you ''. I am completely shocked! I never made these charges.

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 2024-01-26 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: TX

Complaint narrative:
My PayPal account suffered account take over. Unfortunately the app or website doesnt allow to change tel numbers, information, removed stores cards etc.

I submitted a claim onto PayPal, as I noticed an erroneous telephone number, I could not change that and/nor have heard back from PayPal.

Since I suffered an account take cover and I reported this to PayPall, this should have been remediated immediately. Hasnt happened yet!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Received a CHIME debit card in the mail that I did not ask for or want.I called their customer service # XXXX XXXX XXXX it was answered by a XXXX.I 've requested a call back and have not received same.The robot did identify me based on my home number.It appears that someone is attempting to open an account in my name in order to redirect my income to a XXXX XXXX  account routing # XXXX account # XXXX 've emailed XXXX XXXX to try and stop any activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
I'm writing my complaint to TRANSUNION about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXXThe FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal contacted on XX/XX/XXXX in regard to a Debit card fraud claim. On XX/XX/XXXX, less than a week later, the claim was determined that no errors had occurred/ denied. 

On XX/XX/XXXX, I promptly requested to appeal that decision as in my opinion my the proper amount of attention had not been given to the claim.

To date, I have reached out to Navy Federal on two occasions since the appeal, only to receive formal notification that my claim will be handled in the the order in which it was received. I have not been able to receive any specific around the case- notes attached to the file or nir a reasonable timeframe I can expect a determination. 

I am requesting : - a copy of all evidence used to deny the claim initially - a detailed determination of the appeal - concessions for the inconvenience that has been caused by breach of contract in the credit unions inability to properly secure my funds, financial hardship incurred as a result of that breach and all cost recompensed with interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has been showing in my XXXX report with a debt of XXXXXXXX XXXX 
Obviously, this is an identity theft case that is giving me problems. Your help will be greatly appreciated in solving this matter. 

XXXX XXXX XXXX Email ; XXXX Phone ; XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I currently have over {$100000.00} in federal student loans. Prior to XX/XX/XXXX or XX/XX/XXXX, three of my six loans were already in the SAVE program ( I assume this is because I had previously applied on studentloans.gov ), whereas the other three were inexplicably still in a standard repayment plan. Payments were regularly posted and due, and the SAVE plan worked as it was designed to do by eliminating the interest accrued upon making my monthly payments for those three loans. 

Sometime in XX/XX/XXXX or early XXXX of XXXX, I applied for the SAVE program on NelNet for all six of my student loans. This was seemingly approved ( I certainly qualify for SAVE ), but Nelnet placed all six of my loans in a payment forbearance. 

Now, Nelnet refuses to restart my monthly payments until XX/XX/XXXX. Because I can not make monthly payments under the SAVE program, interest is accruing on my student loans. This will cost me several thousands of dollars. I have contacted and called Nelnet. They told me nothing could be done. I asked where the XX/XX/XXXX date came from, and they gave a vague answer. I asked why the three loans that were already in SAVE had to be affected by this, and they stated that all loans had to go into forbearance together. 
They are deliberately avoiding entering the SAVE program and costing consumers thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX I paid the full statement balance of {$19000.00} on my Flagstar VISA credit card. I believed that my balance was then at {$0.00}. However, on my next statement there was an interest charge of {$41.00} for the period of time between the date the statement was issued and the payment date. I was out of town on business when the statement arrived, and was unaware that there was additional interest to pay. Flagstar charged me {$30.00} late fee. 
When I got home, I saw the mailed statement. I called Flagstar, got the late fee waived, and paid the {$41.00} interest. I believed the balance was paid in full. As it turns out, Flagstar charged another {$1.00} interest on the period of time the previous month 's interest had been unpaid. However, I was out of town again at the time the statement arrived.

When I got home I saw the new statement with additional interest and another {$31.00} in late fees. 
Today, XX/XX/XXXX, I called Flagstar and requested the new late fee be waived. Flagstar refused, because they had waived a late fee the month before. I explained that I had paid the balance on the account, but there was a charge of {$1.00} additional interest on the previous interest charge. I felt that it was unfair to charge {$31.00} late fee for unpaid interest of {$1.00} after I had paid the account balance. I expressed this to customer service rep XXXX, and to manage XXXX. The Call Confirmation number for my conversation with XXXX is XXXX. 
Due to Flagstar 's complete unwillingness to reverse the late charge, I cancelled my account. I did pay the current balance of {$33.00}, which XXXX assured me was the complete amount due and that there would be no additional charges. 
I feel that Flagstar 's late fee charge of {$31.00} in this instance is unfair and excessive and should be returned to 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 monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-01-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Uncorrected Void Transaction on Bank of America Prepaid Card I am writing to you today as, a recipient of California State XXXX benefits who utilizes a Bank of America prepaid card for my financial needs. I am writing to express my deepest concern regarding a recent voided transaction on my card and the subsequent, unacceptable failure to credit the funds back to my account. 

On XX/XX/2024, XXXX transactions of {$50.00} occurred on my card issued by Bank of America. However, this transaction was subsequently voided by Colorado Secretary of State, a government agency. Despite this, the funds have not been returned to my account, leaving me in a precarious financial situation with limited access to the essential resources my XXXX benefits provide. 

This delay in rectifying the error constitutes a violation of several state and federal regulations, including : * **California Civil Code 1749.45**, which states that prepaid cards must be credited with voided transactions within 48 hours. 
* **Regulation E of the Electronic Funds Transfer Act**, which guarantees consumers the right to dispute unauthorized transactions and have the disputed funds credited back to their account within 10 business days.

* **The Consumer Financial Protection Bureau 's Electronic Fund Transfer ( EFT ) Rule**, which reiterates the requirements for prompt crediting of voided transactions and emphasizes the vulnerability of XXXX recipients relying on electronic benefits transfers. 

Furthermore, Bank of America 's inaction has caused immense hardship for me as I am out of town in Colorado. As a recipient of XXXX benefits, every dollar is vital for securing her basic necessities and maintaining my well-being. This uncorrected error has left me facing : * **Financial distress : ** The missing funds create a significant burden on my limited budget, jeopardizing my ability to afford essential expenses like food, medication, and transportation. 
* **Emotional distress : ** The uncertainty and stress surrounding this issue, particularly for someone dependent on these benefits, can significantly impact my XXXX and emotional well-being. 
* **Loss of trust : ** This episode erodes my client 's trust in Bank of America as a reliable financial provider and leaves her questioning the security and effectiveness of the prepaid card system for XXXX recipients.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-26 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-01-26 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: FL

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from 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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-26 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: PA

Complaint narrative:
Consolidated loan. Making overpayments to pay down loan. 
Interest is being overcharged and does not match the amortization schedule. 

attached documents showing overpayment. 

attached statement which shows inflated interest charges. 

attached is a letter saying how they calculate interest, which still does not match the interest collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Fortiva is reporting me late in XXXX on credit report. Payment was made for XXXX, XXXX and XXXX XXXX statement just came out XX/XX/XXXX, payment due XXXX, paid on XX/XX/XXXX. Need credit report corrected and put back to not late and pays as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation