vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: SC

Complaint narrative:
The XXXX of XXXX my XXXX loans/ grants refund was credited to my chime account. I was arrested at XXXX and did not get out of jail until XX/XX/2023, at XXXX. When I checked my account, the following transactions had been made XXXX at XXXX Transfer {$340.00} to XXXX XXXX XXXX XXXX XXXX XXXX Transfer to XXXX XXXX XXXX {$140.00}. XXXX at XXXX Transfer to XXXX XXXX XXXX {$500.00}. XXXX at XXXX {$200.00}. XXXX Transfer to XXXX XXXX XXXX {$100.00} I filed a dispute on the XXXX of XXXX and was denied the next day with no explanation. Filed a rebuttal the XXXX of XXXX and again was denied without explanation. Then again on the XXXX filed for the dispute to be reopened and every time asked for information detailing the reasons for denning my claim considering I can see exactly where an unrecognized device logged into my account and made these transfers to their account without any authorization from me or knowledge to me of any kind until I was released from jail and found my account empty. These were federal loans or grants from my college refund, my housing money for the next XXXX months. I have talked to the police and need paperwork from chime to file police report that they will not provide or help me with at all. They keep denying my claim without reasoning when all the evidence is visiable from my account clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
I requested a refund for my XXXX payment from Mohela due to the amount ( {$710.00} ) being taken out on XX/XX/23. The refund was supposedly initiated. The representative I spoke to yesterday morning stated a refund was showed to have been issued on XX/XX/23, however, this payment was never received back into my checking account. I had automatic payments debit payments set up. I then asked the representative if she can tell where does the system reflect where my refund was sent to and she stated being unable to determine where this alleged refund was sent to. It is absolutely fraudulent to state in The Mohela system a refund had been issued to me, when in fact this is untrue and yet they are unable to verify where my refund was sent to. Also, a second {$710.00} payment was taken from my bank account on yesterday despite my current monthly payment being set to {$0.00}. 

Mohela has stolen {$1400.00} from me and have not refunded me. This is absolutely unacceptable and unethical. 

Please sent help have the government do an investigation on this loan servicing provider. Ive never had this issue with my previous loan servicing provider and had not missed payments. This is emotionally exhausting and causing me a lot of stress/anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
This Account XXXX on my credit report was filed into Bankruptcy XXXX XXXX plan and had not been removed off my credit report and this account is totally closed

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 2023-11-03 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2023, {$2200.00} was fraudulently charged to my XXXX XXXX card to a company called " XXXX ''. There was XXXX separate transactions for {$51.00} totaling {$2200.00}. I called chase to report the fraud. They said the charges were made in XXXX XXXX with XXXX XXXX. They removed the balance, replaced my credit card, and said they would submit it to their fraud investigators. Today the {$2200.00} balance was was added back to my account along with XXXX separate " foreign transaction fees '' for {$1.00} cents each, totaling {$2300.00}. I called Chases fraud team and they said that my fraud claim was denied and they found the {$2300.00} was a legitimate charge, MADE BY ME, strictly because it was made with XXXX XXXX. I explained to them that I DO have XXXX XXXX BUT the card that was used for the fraud was NEVER REGISTERED to my XXXX XXXX account so there's no way it could have been me. I also explained that I personally made charges here in the United States on XX/XX/2023, the same day of the fraud, so there is no way I could be in XXXX XXXX AND the United States at the same time. They said there was nothing else they could do and that l am responsible for paying the {$2300.00} balance. They said if I could prove it was identity theft that would help in proving the charges were fraudulent. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Upon reviewing my XXXX consumer credit profile, I noticed a pre approved credit card offer. I took advantage and submitted an application only to be denied. That is false and misleading practices as well as denying a consumer access to their own credit. My application was submitted in good faith and under the impression that I was pre approved. It is my right to be extended credit and not to be discriminated against in any way in accordance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

My SOCIAL SECURITY NUMBER was provided which means there is a consumer credit transaction because there is a consumer involved. Denying me access to my securities is securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, a transaction was made with REMITLY money transfer ( ref # XXXX ) to transfer $ XXXX to my account XXXX XXXX XXXX XX/XX/XXXXXXXX Acct XXXX XXXX. XXXX sent a confirmation stating that the money will be deposited by XX/XX/XXXX Appendix 1. 

On XX/XX/XXXX, REMITLY sent an email confirming the amount was transferred toXX/XX/XXXXXXXX. Appendix 2. 

I did not receive the funds on XX/XX/XXXX and still waiting for the funds to appear into my account. Appendix 3 ) My sister in-law ( the sender ) contacted REMITLY on XX/XX/XXXX reporting an issue, REMITLY opened a case and and requested my bank statement to demonstrate the funds have not been received. The bank statement was provided as proof that funds have not been received on XX/XX/XXXX. 

XXXX sent another email on XX/XX/XXXX with the reference number XXXX stating the money has been transferred and received. I check my XX/XX/XXXXXXXX account and the money has not been received. 

Checked for reviews and found REMITLY has been a repeat offender,XX/XX/XXXX website is filled with consumer complaints on REMITLY. Need your help in resolving this issue and more importantly holding REMITLY responsible for the actions. 

Find attached the reference documentation. 

I can be reached at XXXX for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: NY

Complaint narrative:
There is nonpublic information on my TransUnion consumer report that is a result of identity theft. I never gave written permission for this nonpublic information to be reported on my consumer report. TransUnion never even disclosed to me that they received a request to have this reported on my TransUnion report. Below I list the the nonpublic information that has resulted in identity theft, 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXXXXXX 3.XXXX XXXX XXXXXXXX XXXX 4.XXXX XXXXXXXX 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 2023-11-03 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: FL

Complaint narrative:
Experian has received numerous disputes and refuses to contact to company XXXX and the reports the issue are months out of date BALANCE IS XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Credit limit

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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
It is their policies and actions taken that brought me to issue this complaint. The intended response is to get them to change their policies to honor my attempts to purchase any item I choose without the fear of losing the very thing I purchase. The latest example was a class that I've been attending for several months has had my monthly payment denied because of the bank 's policies. I've lost chances to gain a good deal on products costing me several times more as a result. The bank 's response is that their system automatically denies the payment so it's out of their hands. I say that a computer can not perform an action without the programming telling it to do so. Please help me to get them to change their policies.

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an XXXX XXXX XXXX XXXX in good faith and was denied. Regardless of the reason for being denied, I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the EQUAL CREDIT OPPORTUNITY ACT and the CONSUMER CREDIT PROTECTION ACT. Since you are denying my credit, please retract my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: GA

Complaint narrative:
This is week 2 and I am still asking Experian ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the Experian Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank sent me an email stating that my application for a credit card that I had never applied for was received and the inquiry showed up on my credit report. I never applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: OH

Complaint narrative:
I am dealing with Nelnet not properly handling my payments and costing me money in the process. Their customer service is virtually impossible to get a hold of, I've waited on hold for more than an hour and did not get through. I will describe the specifics of my problem below : My first debt payments were due on XX/XX/ and I set up auto-debit on XX/XX/. My total loan amount was {$80000.00}. I was slated to make a payment of ~ {$950.00}. Because Nelnet didn't process my payment, my loan amount due is now {$81000.00} - due to their negligence and inefficiency, my loans have grown roughly {$310.00}. Also, my {$950.00} a month payment is steep for me, so I requested a lower payment amount on XX/XX/. Their website says it takes 2 business days to process the request- it is now XXXX XXXX XXXX, and it was never processed. 

I'm greatly concerned that I have such a substantial amount of debt being managed by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Child Support -Child support is civil and there is no contract amount stated is not proof. I don't owe possibly someone with a similar name please delete off 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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm freaking out here! Take a look at the attached documents. I'm practically begging the bureau to kickstart an investigation into these accounts. I've NEVER been late on them, yet they keep saying I am. This is so frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MA

Complaint narrative:
XXXX  -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX XXXX XXXXXXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

COLLECTION -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

COLLECTION -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The company calls but doesn't respond when I answer. When I call the number used by the company I'm told number is invalid. The company has not stated reason for calling me. They just call be offer no communication or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: OH

Complaint narrative:
I have tried already multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 

XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX, XX/XX/XXXX ( 30 Days Late ). 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-11-03 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: OH

Complaint narrative:
I have tried already multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 

XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX, XX/XX/XXXX ( 30 Days Late ). 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I went to TD Bank after trying to rectify the issue myself with the seller of and item i ordered through XXXX XXXX. Also tried to rectify it with XXXX XXXX directly and they told me they could not help me. Went to the seller and requested a refund for the items that i never received and they denied me. So then i when to TD bank and they gave me a provisional credit for the items i never received. Then they took it back form me, so i filed a dispute against there ruling of them not finding anything wrong. So they gave me the money back and a couple of weeks ago the took it back again. Now putting my account into overdraft and hitting me with a fee on top of it. I live on a limited income and because of there actions i was forced to take out a personal loan to pay for the bills that from the money they took out of my account. I truly think it is unfair how banks can play with peoples accounts like that. 

XXXX

Company response to consumer: Closed with explanation