vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NE

Complaint narrative:
On XXXX, I entered into an agreement with XXXX XXXX XXXX to help me with debt consolidation for some of my credit cards. The first payment was made to them on XXXX for {$100.00} via automatic withdrawal from my bank account to Global Holdings LLC. Every 2 weeks thereafter, I paid {$93.00} until XXXX when my income dropped substantially, and I changed the withdrawal amount to {$50.00}. In XXXX, I had suspended the automatic withdrawal as I had medical expenses to take care of. I resumed the automatic withdrawal on XXXX for the amount of {$70.00}. I made 3 payments every 2 weeks and on XXXX I lost my job and had to suspend the payments again. I had to keep calling them to continue to suspend the payments due to lack of any income. 
On XXXX, I called to ask them about my accounts, how much I had paid in, and how much had been paid to my creditors. I was told that I had paid in a total of {$1000.00} and of that they had only paid XXXX XXXX {$50.00} and XXXX {$35.00}. The rest was in fees. I requested to speak to a manager and closed my account. The next day, I called and requested all of the information on my account, such as correspondence with my creditors and what they had been doing with all the rest of my money. Totaling {$990.00}. They refused to give me that. The following day XXXX, a manager named XXXX called me and tried to talk to me and wanted to explain things. I told him there was nothing to talk about and hung up. Later that day, I received an email from XXXX stating that due to the unfortunate circumstances they were going to refund me {$400.00} which he said was mailed on XXXX but I have yet to receive. That still does not explain what they did with the rest of the money totaling {$580.00}. They have mismanaged my money and I think they owe me more than {$400.00} after all of that time and only paying my creditors {$85.00}. They did in the past email on occasion to say that they were working with my other creditors, but I have seen no proof of that other than them saying so. I am asking for some help trying to resolve this matter please. Thank you for your time and consideration on this matter. 

Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called Wells Fargo to ask why I wasn't able to pay back my cash advance ( taken out on XX/XX/XXXXXXXX  ) in full after being charged interest ( first time on XX/XX/XXXX and was XXXX cents, second time was on XX/XX/XXXX and was {$1.00} ) on it. I was told that I had to pay my minimum credit card balance each month and the extra would go to the cash advance payment. I only borrowed {$45.00}, so I was confused on why none of it was paid since I paid {$150.00} in payments in the month of XXXX, and only {$0.00} was applied to what I owe. on XX/XX/XXXX I called Wells Fargo and asked about why I didn't have the option to pay my balance on my cash advance in full. I was told that the extra payments I made would go to the balance with the highest ARP percentage, however, both the credit card and cash advance have an ARP of XXXX. So Wells Fargo would apply my extra payments to my credit card balance, and pay basically XXXX to my cash advance, all the while charging me interest on something they won't give me the chance to pay back in full.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Dear PayPal Support Team, I trust this message reaches you in good health. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/2024 XXXX funded my direct deposit to my Chime account of {$780.00}, It was not posted to my account. I checked my XXXX portal to see if it was indeed sent and it was. I also called my employer and had them check with XXXX to insure that it had been funded. I called Chime Customer service for the first time the afternoon of XX/XX/XXXX and was told that they did not have my deposit and it was " in process '' with one of their partner banks and since it was done on Friday it should post Saturday XX/XX/XXXX. I checked the account on the morning of the XXXX and it still had not posted. I called customer service again and was told that they had no record of my deposit and that processing did not take place over the weekend and I should see my deposit on Monday XX/XX/XXXX. Again, I checked my account and it was not there. I called customer service again and got the same scripted nonsense that they did not have record of my deposit and had no way to find my money. I check the account again this morning XX/XX/2024 and it still was not in the account. Once again I called customer service and got the same response " They do not have record of my deposit and have no way to track the transaction. '' I asked to speak to a supervisor and was told that they could not transfer me to anyone and if I wanted to speak to someone else I would have to call back. I have been patient until today, but today I was not nice and in fact quite rude, because they have put me in a very big financial bind now and I wanted some answers that they are not prepared to provide. Chime 's customer service is a joke and the organization appears to be a giant scam. The online reviews seem to bear that out. I only wish that I had read them prior to becoming mixed up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Click n' Close, Inc.
State: NE

Complaint narrative:
XX/XX/XXXX -payment was sent by state to mortgage company. Called/messaged my mortgage several times starting around XX/XX/XXXX to see why the payment hasnt been applied. All the could say is they dont see anything. XX/XX/XXXX I get hit with late fee. I start reaching out to the state in regards and confirmed the check was cashed on XX/XX/XXXX. Now the mortgage company wants to have loss mitigation step in XX/XX/XXXX and was told it can take 3 business days, then follow up. Followed up Monday XX/XX/XXXX in the afternoon to be told they still are working on it but while talking with the rep it sounded like they didnt even start on the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On the XX/XX/XXXX, we noticed a large drop in our balance on our business checking account with Wells Fargo. After going through numerous transactions online, we noticed two business to business ach mobile payments to XXXX XXXX listing an unknown person. 
On XX/XX/XXXX. The first was for {$5500.00} and the other was for {$3600.00}. These fraudulent charges totaling {$9100.00}. We called and submitted a claim. We called back in at a latter date to check status and was told that the funds would be deposited back into our account on XX/XX/XXXX. I called another day to check status the representation said that she would put in a request to expedite the funds being returned. 
Then, I called back yesterday XX/XX/XXXX, XXXX and was told be another representative that our company 's funds will not be returned to us. I asked for a supervisor... she said she would submit a request to the escalation team. I spoke to him and he said he would escalate to a higher escalation team and they would be contacting us with in 48 hours. We are a small business and we need our money to pay employees, customers, pay bills etc. I stayed on the phone until late last evening trying to get the funds restore but was unsuccessful. We I got home and retrieved the mail there was a letter from Wells Fargo stating that they have completed their research of the inquiry about a {$9100.00} charge to our business account on XX/XX/XXXX. They stated that they were unable to reimburse us because too much time passed before we notified them on XX/XX/XXXX about the charge. They recommended that we contact the merchant XXXX XXXX to resolve the issue. Wells Fargo allowed a company to take {$9100.00} of our hard earned money and refuses to give it back. They acknowledged that we did not authorize it but they are not willing to reimburse us. This is not a small amount and has a large impact on our business. I reached out to XXXX XXXX and spoke to a representative named XXXX and he stated to have the bank send them to sent them and Unauthorized Affidavit of Unauthorized Activity, Copy of all statements and/or checks/ach showing the unauthorized checks/ach, Send a letter on bank letterhead explaining the error/fraud and mail to XXXX  XXXX, Fraud Support XXXX XXXX XXXX, XXXX Virginia XXXX and two weeks from date affidavit received, we will receive our funds back. I called Wells Fargo Small Business Fraud Dept back and gave them this information. They said they notated the account but we would have to now wait for the investigators to contact us within the next 48 hours. This is theft! We work hard for our money and the right thing to do is give it back. This is very stressful!

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 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX I sent letters, certified mail, demanding that Capital One Auto Finance cease repossession of my vehicle and provide me a validation of the debt by providing the original contract with my signature and proof of funds in my name sent to me certified mail. COAF has failed to provide me any of the information. I demanded also on audio record, from the office of the president, the same information and I was told that I wouldnt be provided the demanded information in this CREDIT sale. This is a violation of the freedom of information act and my rights as a consumer. Capital one has shared my personal information with third party company and had my vehicle repossessed without providing me the information.I did not have any contract with said third party company whom COAF has shared my source data information with. This is a breach of trust and my right to privacy of my sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter in the mail dated XX/XX/, stating that a credit card application with Captial One was denied. This application was done fraudulently using my maiden name. I recently updated my last name with Capital One on XX/XX/20XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit Corporation sent a letter attempting to collect a debt that is already being collected by another company. I called the hospital that Penn Credit Corporation cited as the source of the debt and the hospital told me they do not use that debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Key 2 Recovery, Inc.
State: IL

Complaint narrative:
I'm writing to complaint to KEY 2 RECOVERY INC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LA

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-30 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-01-30 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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 explanation
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I have no knowledge of this company & never spoke with them a day in my life. I was told by company my information was sold to them but I was not informed of such thing. Now i have XXXX on my credit for a car I do not own nor have in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2024 I received numerous emails that a Chime account was set up in my maiden name. I had never heard of this company and did not request this service. I called them immediately and they quickly cancelled the account. But I have a problem with the fact that they allowed someone to fraudulently set up a bank account with my social security number, birth date, and incorrect name. Why don't they require a state i.d .? This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about the XXXX or XXXX of XX/XX/2024, I attempted to purchase a product from XXXX XXXX. I have a credit card with them for such things and that card is issued by Synchrony Bank. That request was denied and I found it hard to understand why because I have an excellent credit rating and I've done business with them previously.

One or two days later, I received an e-mail from what looked like Synchrony Bank about this transaction and requesting information from me before I could see the details. They asked for my SSN and and my zip code and a reference number that they provided on the e-mail. I entered the info they asked for and clicked on 'see details ' at which point I was told that the information I had entered was not consistent with their records. I wasn't given any more information than that. I thought there was something strange about the whole thing so I contacted XXXX and Synchrony Bank the next day to see if either of them had sent such an e-mail and I was told by both that they hadn't. I decided at that point to pursue security measures to protect myself.

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