vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took a {$1500.00} loan wasn't aware of the interest charge made XXXX payments of {$280.00} every XXXX weeks paid on time never missed a payment. this totaled {$1700.00}. Called on XX/XX/2023 for payout amount. They told me I need to pay {$1500.00}. I paid it out. They charged me over {$1700.00} interest on a {$1500.00} loan. This is outrageous. Complaining about the high interest. 


Thanks XXXX 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 2023-06-26 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: NY

Complaint narrative:
I have gone to a car dealership before they remake my credit they got my credit report and noticed that there were multiple inquiries that I knew I never made and I have called equal facts and they told me to make a complaint about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2023 I was going to open a CD at Marcus by Goldman Sachs Bank USA for their advertised 10 month CD with a rate of 5.05 % that had an OFFER EXPIRATION of XX/XX/2023. However, now when I go to claim that advertised rate, Marcus has changed the offer and will not honor the advertised rate, despite being clearly before its expiration date, in violation of U.S. law on offers and advertisement. You can not offer an advertisement with a specific expiration date then choose to not honor that offer when someone comes to accept it before the expiration date. I called Marcus to see if they would honor it and was flat out told no by two different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: AZ

Complaint narrative:
Back on XX/XX/XXXX, I opened a Lease Account with Koalafi. According to the payoff amount/balanced that was reflected in my Koalafi online account when I open the Lease in XXXX of XXXX was {$1100.00}. The payments were set up automatically every 2-weeks on the amount of {$130.00} plus I was additionally paying {$66.00}. I went back to my bank account records, between XX/XX/XXXX, and XX/XX/XXXX a total of {$1100.00} was paid to Koalafi. When I called them back on XX/XX/XXXX to informed them that I had overpaid in my account since the original Lease Amount was only {$1100.00} I was surprised to realized that according to their records my original XXXX XXXX was {$1300.00}. Therefore, I was in default with an amount of {$170.00} which I was not aware. As a result, they increased the amount of my Lease Amount to {$1700.00}. I tried calling several times in XX/XX/XXXX, XX/XX/XXXX. I was sick for several months, and I could not make any other attempts to call between XXXX and XX/XX/XXXX. I resumed my attempts to call them XX/XX/XXXX, and XX/XX/XXXX. Today, XX/XX/XXXX, I was able to speak to someone via chat communication online. I asked to speak to a manager, but I had not luck. According to representative a manger will return my call within 5 business days. However, back in XXXX and XX/XX/XXXX I received the same response, and no one returned my messages. As of XX/XX/XXXX, Koalafi has reported a passed due amount of more than 90 days to the 3 major credit bureaus, and they have managed to affect my credit disproportionately. However, I feel that I as a consumer, I made my payments on time every 2-weeks with additional payment amount to cover what it was reflected in my account when originally opening my Lease Account. I need your assistance to get this situation resolved. There was a mistake in the Lease Amount showing in my account back in XX/XX/XXXX vs the lease payoff amount showing in their system. I am willing to pay what is fair for the consumer. I am willing cover the {$170.00} that supposedly was part of the original Lease Amount from back in XX/XX/XXXX. However, I do not think is fair for consumers having to pay unproportionally amounts of money when they did not receive the correct information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, two online transactions at XXXX ( {$100.00} for dog food and {$190.00} for body scrub respectively ) were posted to my Charles Schwab Bank checking account. I contacted Schwab Bank to notify them that I had no knowledge of these charges, and that they were not authorized by neither my wife, nor me. 

I issued a provisional credit pending investigation and was told that the charges would be investigated. I was completely secure in my knowledge that the resolution would be in my favor since my last purchase on this site was XX/XX/XXXX. However, I did not realize that my card information had been stored on the site when I made that purchase. 

On XX/XX/XXXX, Charles Schwab Bank withdrew the provisional credit based on information they received from XXXX on the order. XXXX claimed that my XXXX daughter placed the order and that it was delivered to our home address on XX/XX/XXXX. Not only has my daughter never order anything from this site, she is not an authorized user of our cards for this account. Furthermore, there is no evidence, other than XXXX claiming it as so, that these items were delivered to our home. And even if they had been, they were not ordered by anyone in my household. 

My take on this experience is that the victims of this type of fraud have to prove the unprovable -- that this purchase was made under fraudulent circumstances. 

I want Charles Schwab Bank to refund the total amount {$300.00} that rightfully belongs to my wife and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was defrauded my a person using XXXX XXXX. My bank USAA denied the transaction disputes. Even though XXXX XXXX found fraud and promised to refund the money. XXXX claims that on XX/XX/2023 they sent the money back to my bank. However my bank claims not to see it. XXXX still asserts that they sent the transaction. I want USAA to refund me the money as XXXX XXXX  can not. the amount is {$6200.00}. Previous complaint about XXXX XXXX is XXXX. Details are attached to that. I want USAA to reverse or credit my account {$6200.00} as XXXX XXXX says they have and refuses to try another method or try again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inaccurate accounts on my profile.

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 2023-06-26 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: DC

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  XXXX Account number:XXXX  has violated my rights. Or list of inquiries XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: DC

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  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am not a reporting agency. I have sent ftc reports to nelnet and a police report that I have submitted to you all to send to the company below are the letters that they respond to when I file a dispute. 
I have never lived at the address on the account XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: PA

Complaint narrative:
XX/XX/2023, CAPIO PARTNERS LLC put a collection in my credit for {$1000.00}. I didnt not give consent for a third party to have access to my medical records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
i opened a bank account with BECU and deposited a check written from myself from my other bank account ( XXXX XXXX ) and its been on hold as possible fraud. the check cleared out of academy bank and shows on BECU but i'm told it's being held. i requested it be sent back and was told they can't do that. i contacted academy bank and they said it cleared and was fine. its been 8 business days since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: AL

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
It is a venmo account starting XXXX XXXX. 
Accorinfing to To the FDIC you can't actually confirm my identity Which I find particularly very peculiar considering the fact that I've sent you my a number of times I think over 5 so shop with the XXXX XXXX XXXX XXXX XXXX unlock my account right now because according to the ftc there's nothing untoward unusual about my account other than the fact that you're lying to them saying that you couldn't confirm identity give me the XXXX XXXX XXXX get on it just get on it right now because I'm sick and tired of this INSANE THEYVE HAD MY OVET {$4000.00} frozen over 1000 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: 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 XXXX XXXX XXXX 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 2023-06-26 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: LA

Complaint narrative:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My issue has to do with Consumer Fraud and a Case Intake filed with the New York Attorney General 's office XXXX XXXX, since Citibank is based out of New York , NY. What happened? : On XX/XX/2023 I recieved an email with Social Security logo on the letterhead. Beneath the logo was a Case No. : XXXX. Then the word Alert! then my email address. Then, in the body of the letter it starts : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation. You should not use this number for any future transactions. '' Then it says : ( To know the reason of the termination in details ) call toll free number XXXX ( XXXX ) XXXX and I did. A XXXX XXXX XXXX answered my phone call. He transferred me to a XXXX XXXX XXXX. He asked me did I have a bank account. I said yes. He said he needed me to get XXXX remote desktop application from the XXXX store and upload to my XXXX. I did. He wire transferred the moneys in question. I am showing in this complaint - that the domestic wire transfer of XXXX from my Citibank 's personal checking account was for {$5700.00} plus {$25.00} bank wire fee, along with {$500.00} XXXX transfer to an XXXX XXXX at XXXX by a XXXX XXXX at XXXX ( XXXX ) XXXX were acts or practices that are consumer-oriented, and have a White Collar Crime flavor that was misleading in a material respect, ( The SSA letter XXXX and that I am the victim and was injured as a result of this deception. The {$5700.00} was wired to XXXX XXXX XXXXk routing # XXXX and to account XXXX. Citibank 's XXXX ; Citibank 's General Counsel and several others has been informed but to no avail. The New York Attorney General also has the power to enjoin deceptive consumer practices or to initiate enforcement actions against any person or business that engages in deceptive acts or practices or false advertising. The harm totals {$6200.00} which needs to be returned to my Citibank checking 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 explanation
Consumer complaint received 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NJ

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. BAY AREA CREDIT SERVICEXX/XX/2023 {$6600.00} 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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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