vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
I had gone to XXXX  XXXX XXXX to take out my check well part of it XXXX dollars the machine dispensed XXXX at XXXX  XXXX XXXX the atm machine was mistakably stocked wrong XXXX dl bills were in the XXXX slot and the XXXX dl bills were on the XXXX slot so i called XXXX  XXXX XXXX and let them know what was going on with there atm then i called XXXX XXXX  to open a claim so i can get my money back XXXX XXXX i opened the claim I opened my claim on XX/XX/XXXX i got my response yesterday saying that fraud was never done and there will be no credit because their team of investigator found that there was no wrongful doing at XXXXXXXX XXXX XXXXXXXX i have called both backs since XX/XX/XXXX everyday i was not the only one this happened too so how would they not find nothing if both back and pay services were called the claim at XXXX  has been closed i have 3 girls and late on my rent because of this i have no money and now this that my money can not be returned had XXXX XXXX called XXXX  XXXX XXXX like stated they would had learned their atm machine was at fault both businesses have been giving me the run around and like mentioned before how do i pay my bills if no one wants to help me i don't want them to give me xtra money i just need my money and an apology for their lack of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: ME

Complaint narrative:
Jefferson capital has been on my credit report for years for the balance of {$310.00}. Ive tried disputing it multiple times and I just get its been verified. Ive not once received a letter, a phone call, or anything proving to me that I own this debt and I have no recollection of acquiring this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, 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:
EQUIFAX MANIPULATED MY CREDIT SCORE, CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. THUS THIS HAS CAUSE ME HARM BECAUSE OF THEIR ERRONEOUS AND IRRESPONSIBLE CREDIT REPORTING. EQUIFAX CHANGED THE STATUS OF TWO ACCOUNTS THAT ARE CURRENTLY INVOLVED IN A XXXX BANKRUPTCY TO SHOW CHARGE OFF STATUS AND MULTIPLE LATE PAYMENTS, THUS VIOLATING AN AUTOMATIC STAY. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC 1681 AND 623 ( a ) ( 1 ) ( A ). THE FOLLOWING TWO ACCOUNTS ARE REPORTING INACCURATE AND VIOLATE FEDERAL LAW UNDER THE FCRA : ACCOUNT NAME : XXXX XXXX  XXXXACCOUNT NUMBERXXXX XXXXACCOUNT NUMBERXXXX. I WILL SEEK MONETARY DAMAGE OF {$1000.00} PER VIOLATION AND HAVE FILED A NOTICE OF INTENT WITH THE FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone opened a capital one card in my name. Now my credit is bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX  2. XXXXXXXX XXXX XXXX 3 XXXX Bank 4.XXXX XXXX 5.XXXX XXXX Bank 6XXXX 7XXXX XXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.

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 2022-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX 2. XXXXXXXX XXXX XXXXt 3 XXXX Bank 4.XXXXXXXX XXXX 5XXXX XXXX Bank 6.XXXX 7.XXXX XXXXXXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 3 FTC reports with inquiries I did not authorize

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 2022-08-24 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: IN

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 2 FTC report with Inquiries I did not authorize

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 2022-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX failed to follow the verification process for administering EXTENSIONS OF CREDIT under [ 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for Extension of Credit in complete disregard to the consumers protected account. 

EQUIFAX was already made aware of the provisions and procedural guidelines made for [ 15 U.S.C. 1681c-1 ] 605A fraud and identity theft prevention by the consumer as noted on the consumers account and profile for the past several years, in addition to the fraud alerts placed on the consumers account, and the multiple requests made by consumer to EQUIFAX for fair practice and governance of the consumers report and information. 

EQUIFAX has willfully chosen to disregard ethics or fair practice to this regard, and has supplied and upheld false, misleading, fraudulent, and impartial information against the guidelines set forth by the [ 15 U.S.C.1681 ( c ) ] Fair Credit Reporting Act for fair practice and reporting under false pretenses for lender XXXX XXXXXXXX XXXX 

EQUIFAX has subjected the consumer to a false, inaccurate, and untrue reporting and reflection of the consumers identity in relation to the consumers account and credibility in the process. 

Multiple requests have been made by the consumer to EQUIFAX to adjudicate these errors, in response to these requests, EQUIFAX has continued to ignore and impose unreasonable point deductions made by each request for fair practice resulting in unreasonable 102point deduction on XX/XX/2022, and as previously 160 points deduction over the course of XXXX weeks DESPITE THE VERY CLEAN 21 YEAR AGE, RECORD AND PAYMENT AND HISTORY OF THE CONSUMER. 

Equifax continues to ignored all relevant requests and supporting information thereby supporting and further establishing PREDATORY LENDING PRACTICES AND BEHAVIORS by lender EQUIFAX in support of lender XXXX XXXX aggressive and unethical lender practices aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. Also if I owe this allege debt the apartment stated that their central billing would house all of their bills and upon contacting central billing they have no record of this alleged debt let alone me owing this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OK

Complaint narrative:
Today, XX/XX/2022, my Chime Bank issued XXXX/Debit card was used to make unauthorized transactions on my checking account. Today, I called Chime Bank and they could not help me. Chime Bank must take the necessary precautions to protect my account from fraud and they are not doing enough. They must be held accountable for these fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi, it started when I received checks from Wells Fargo. They offered zero percent interest with these checks for purchases, and balance transfers. Balance transfers had a fee for the transaction. 
So I used a check for a purchase, expecting the zero percent rate. After waiting for the check to go through, I noticed the balance to be higher than I expected. So, after looking at the charges made, I realized they had charged me for a balance transfer. The fee was something like {$120.00} dollars on {$3100.00}. So I called them to inform them that I was charged a balance transfer fee, yet it was a purchase. They told me that if I used the checks they were treated as a balance transfer. I explained that isn't the terms available in the documentation I received with the checks. I was supposed to get zero interest rate on purchases. This is not what occurred. I was charged a flat interest rate right off the bat. So this isn't a zero interest purchase, and they scammed me into using the checks, knowing I can't do anything about the charge. The charge was labeled a balance transfer, which it was not. Wells Fargo is ripping people off again! 
Please help, 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 monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I purchased a new vehicle on XX/XX/XXXX and traded in my XXXX XXXX XXXX financed through XXXX Finance. On XX/XX/XXXX I received email confirmation that my loan balance had been bull. On XX/XX/XXXX, XXXX XXXX  drafted my automatic schedule payment of {$750.00} from my bank account. When I called I was informed it would be refunded in 10 days. I asked to speak to a supervisor who informed me it would be refunded in 21 days and there was nothing further they could do to expedite. I requested to speak to a manager and was informed they did not take calls, then that they were " in meetings '' and they had no voice message availability. 
I understand the reason the payment was taken was because I was set up on automatic payments ( their requirement ). However, the account was paid in full prior to my payment date. They tell me it takes a day or 2 to process. That is not my problem or my fault and having to wait 21 days for a refund when they stole my funds in nanoseconds is completely unacceptable. We live in an age where monies can be electronically transferred in seconds ( next business day to process at the most ). If the role was reversed and I had not paid them, they would not have given me 21 days to make the payment, it would have been demanded immediately or I'm in default on the loan. I was also told the automatic payment was a requirement to get the interest rate I had on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello CFPB I have started this case because the last two months have been a nightmare dealing with TD bank Credit Card service. 

Just for a quick recap, on XX/XX/XXXX i lost my job, i have been going through some personal medical issues as well and my partner has been kind enough to handle the finances for me, just recently on XX/XX/XXXX i have paid off all my Credit Cards and shortly after i started using them again. I have one CC with TD, for the limit of only {$500.00}, since the payoff i have used the amount of XXXX in total from their credit line. My partner was helping me pay off and he realized on XX/XX/XXXX, just on due date that my balance kept going up, he asked me if i had used the card and i explained him that i have not. 

After we went through the statements we had realized that TD had charged us a late fee for every single months since XX/XX/XXXX. As of yesterday which it was the XXXX due date we had 4 fees, two of them for {$27.00} and two for {$37.00}. They did remove one of the fees and that means that we were only left with three of them plus a XXXX XXXX monthly interest. 

We stopped paying in XX/XX/XXXX and my parter, XXXX advised me to escalate this case with them to have the fees reviewed, We have a total balance of almost {$400.00} and we have just used {$200.00}. We feel TD is a predatory institution that has not just unfairly charged fees, but they have repeatedly declined to help us resolve the fees. 



I spoke to one of their managers, i feel like she was the only one that was honest, she said that we have paid less then the minimum amount but the payments have been submitted on due date. We can assure you that we only have paid what the minimum amount is advised on their system. 


I gave them a chance till yesterday, XX/XX/XXXX to review their information before we took any additional steps to resolve this. We are not comfortable with their politics and most importantly we have come to the realization that their practices have possibly hurt a lot of people. We are willing to share any information related to the matter to get to the bottom of this. 


Please see the three attached statements for the last 3 months, we have paid the minimum amount advised on the app in all the last 3 months, and we have received fees on all three of them. 


Please help us and the American People from this PREDATORY INSTITUTION, they are in business to take advantage of the hard working people so their top bankers can make millions a year. 


Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Dear CFPB, XXXX XXXX sold it's XXXX Card credit card relationship to Marcus ( Goldman Sachs ) in early XXXX. While the transition commenced after closing in XX/XX/XXXX, I did not actually receive my new credit card until XX/XX/XXXX. During this timeframe, valid charges and payments were made using my old XXXX  XXXX card and ACH payments through our bank ( XXXX XXXX  ) were sent to XXXX  XXXX, which forwarded the payments to Marcus. 

A balance of {$3300.00} for two valid transactions was due in XX/XX/XXXX. This balance was subsequently paid three times ( {$3300.00} on XXXX, {$4000.00} on XXXX and {$3300.00} through two ACH transactions and one EFT directly from XXXX XXXX  ). These payments were made through multiple means to ensure receipt by Marcus as their po box on our XXXX ACH payment through XXXX XXXX  was inaccurate. 

Marcus then returned {$7000.00} on XX/XX/XXXX via check and reversed the third payment in the amount of {$3300.00} resulting in a payment due of {$3300.00}. Marcus then levied a {$48.00} interest fee and {$29.00} late payment fee on our account, despite being paid three times the amount due. 

Upon receiving our XXXX statement, I noticed additional fees for the amount due and that the payments were never accepted. I immediately contacted Marcus to inquire about why they returned our payments and then charged us fees and interest. I also sent a personal check in the amount of {$3300.00} to cover the outstanding valid balance which posted on XX/XX/XXXX. I have filed two complaints requesting reimbursement of the fees ( {$77.00} ), but they have been rejected for no apparent reason. 
This behavior is clearly inconsistent with Goldman Sachs values and a means of generating fees and interest. Transition errors, delays and inability to deliver statements should not be used as a basis for charging fees and interest on customers with clean payment histories. I recommend that the CFPB take immediate action to investigate this matter and any other similar situations for XXXX Card customers that have experienced similar irregularities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Southeast Toyota finance has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX  and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion

Company response to consumer: Closed with explanation