vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am an account holder with Self Financial. I have their Self Visa card, I have been a account holder since XXXX I pay my bill on time every month the full entire balance. I am aware of my pay due date and I am aware that late fees will accrue if I am late, My pay date has changed as soon I found out that my pay date has changed I notified Self financial that I will be late by a day or two when I explained to them that I will be late paying by one to two days. I was told that since it would be delayed by one to two days I would not accrue any interest or late fee. I am still paying my monthly bill in full and I am being charged a interest fee because I am late by one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NM

Complaint narrative:
Mohela has duplicate entries/accounts of my student loans on my XXXX credit report, making my total debt nearly twice what it actually should be. 

I tried calling the company directly on XX/XX/XXXX to address the issue. I spoke with a representative and she transferred me to someone who handled credit reporting. After waiting on hold for 3 hours and 41 mins of total call/wait time, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Jp Morgan Chase. XXXX, my account ending in XXXX was hacked, two different LLC companies were able to wire themselves a total of {$160000.00} out of my buisness account. the transactions are as follows : XXXX. XXXX XXXX XXXX XXXX : {$18000.00} XXXX. XXXX XXXX XXXX XXXX : {$49000.00} XXXX. XXXX XXXX XXXX : {$48000.00} XXXX. XXXX XXXX XXXX : {$48000.00} I did not authorize these transactions, My personal banker XXXX XXXX saw this happening and immediately tried to freeze my acct. He also assured me that it takes at least 24 hours for these transactions to be done completely. Well some how they got away with taking all four transactions, and now Chase Bank is not helping me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I opened a CC account with ASPIRE, this CC was offered with not annual fee on XX/XX/XXXX. I just found out that a annual Fee is being charged since XX/XX/XXXX and XXXX XXXX which I never requested ; I called them and they told me they email me about it in XXXX and I never responded back. 

I told them I did not receive any communication and that i want all my money back since I never signed for it and that CC was offered to me with no annual fee. They said they will cancel my XXXX XXXX and returned back 3 months but not the whole amount, but the annual fee they can do anything which I told them that they cant add fee when they offered no fee. 

I want to make this public and just earn anybody to applied for this card. Please, Consumer Financial, help me to get my money back.

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 2024-12-20 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I bought one XXXX XXXX  from one seller on PayPal on XXXX XXXX for {$530.00}, however when I received the package today, its a very small parcel ( weights XXXX grams ) and is totally different from what I paid for. 
Then I opened a dispute on PayPal and submitted a very clear chain of evidence ( please refer to the attachment ). A few days later, PayPal asked me to provide report from the local government agency, and I contacted with all local relevant agency or organzation, they can't support issuing relevant materials according to PayPal requirements, as they said they were not present when I received the package and this does not comply with regulations, so they can not prove it for me. 
I explained these situations to PayPal and emphasized again that it can be confirmed from both the delivery waybill with the local post office stamp ( indicating that it is the original one ) and the online logistics query website that the package, which was supposed to be a jacket, only weighs XXXX grams. 
But PayPal totally ignored these objective evidence and deny my refund request simply because I did not submit the materials as they requested So I want to make a complaint. Despite providing a clear and complete chain of evidence, PayPal ignored this evidence and helped the seller commit fraud, causing me a loss of {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have been enrolled in school and I haven't received student loans. I have always used grants for school. This issue is affecting my credit score. I need this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an automated recurring bill pay payment set up for {$75.00} to be delivered by the XXXX of each month. It is sent by physical check. Payments have been completed without any issues from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX I got a notice that my check was returned and the payment was not complete for the payment sent on XX/XX/XXXX for payment on due on XX/XX/XXXX. I was instructed to contact the payee to determine why the check was returned. I contacted the payee who indicated that they did not receive the check. 

I contacted Chase private banking and asked for confirmation of the payment and for a copy of the returned check. Over 1-1/2 days, talking to 8 different people and visiting a branch, I still can not get a copy of the returned check. 
1. The 3rd person I talked to was Online Banking technical support and they described the return to check to me and told me they could not send me a copy. They could only send a copy to another Chase Bank employee. They instructed me to go to a Chase branch and request a copy of the check from them.

2. I went to the Chase Branch and they had no idea what I was talking about and they told me to contact online banking.

3. I spent 90 minutes at the branch and I talked to 3 people in the branch and 3 additional people in private banking and online banking technical support. No progress 4. The person in the branch finally told me that they could not provide me with a copy of the returned check and they simply offered me a print out of the exact information I already had via online banking. Simply a report indicating the check was sent and returned but NO copy of the returned check and NO evidence that the check was ever delivered. 
5. I was told to go home and it was unfortunate they I could not get a copy of the check. 
No additional assistance was offered to rectify the issue of non-payment to my payee. 

I provide 1 proof of payment with a check image for the previous month to prove that a check image CAN be provided. Then I provide a proof of payment with a missing check image for the check in question. I also provide an image of the email when the payee threatens me with late fees and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I saw a post from a friend selling something for {$500.00}. I thought I Was sending her money through XXXXWells Fargo but it was actually going to scammer through XXXX  for {$500.00}. Immediately i reached out and called the bank in which she took my information and said they would file a claim. The claim was worthless as days later I received a letter simply closing the claim because they could not refund me the money as I sent those funds through XXXX. I did not receive a call but the letter did not address the intent from the bank to try to have those funds sent back to me. As a loyal customer for almost 20 years this was very disappointing that this was the resolution with no explanation or protection while offering a service. I would like my full {$500.00} refunding to me in order to resolve this. 

Thank you,

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Claim # XXXX for {$16000.00} opened on XX/XX/2024. There were multiple unauthorized transactions on checking account from debit card with merchants of international origin. Once I opened the claim, the next business day multiple transactions ( 5 merchants for total of {$8700.00} ) were refunded directly from the unauthorized merchants with no contest. All of these merchants are based in XXXX as evidenced in research into companies provided in supporting document. On XX/XX/2024, claim was DENIED for the other transactions with reason " Due to authorization and/or participation in the transaction activity ''. 

I have provided ( 1 ) Police report submitted within financial crimes unit, and ( 2 ) research into merchant business information. I have also consulted with an attorney and re-submitting this CFPB complaint with official police report. If affidavit is requested by captial one please forward me the document as to close this fraud case in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently learned that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} Unauthorized Inquiries to be Investigated : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently learned that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} Unauthorized Inquiries to be Investigated : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX 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 XXXXXX/XX/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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector keeps sending me text messages and email. I live on a limited income by the XXXX XXXX XXXXXXXX. Right above federal poverty guidelines. I'm get tired of offers being at my weaknesses. Weather it be a individual 's or business 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: OK

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 2024-12-20 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: OK

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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Account was open in XXXX It had fraudulent activity. The account is paid in full and should be removed from my report immediately

Company response to consumer: Closed with explanation