vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: PA

Complaint narrative:
I XXXX XXXX XXXX have some fraudulent accounts appearing on my credit report. I have listed some supporting documents below.

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 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: IL

Complaint narrative:
Albert app took an unauthorized XXXX $ from my bank account that is connected to another bank. I did not make this transfer nor did I request or even subscribed to anything. The money is also not even in the Albert account I have with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: NJ

Complaint narrative:
When my loans went back into repayment with Mohela after the Covid-related pause, I am not longer on an IBR plan like I used to be, even though I was told that my payments would return to an IBR if I already was on one ( especially because I am enrolled in the Public Service Loan Forgiveness program as a special education teacher ). My payments are higher than they should be and I am concerned my payments might not count for PSLF. 

I also have applied for the SAVE program three times over the past few months and my payments still have not changed to the SAVE program, which would reduce their price.

I have been sending regular messages to MOHELA through their contact form which they say they will respond to within 3-10 business days but have yet to ever hear an answer back, months after my original message. I wait on hold on the phone with them for hours, but have not been able to get through to anyone before having to return to my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Div Adj service placed a collection on my report for XXXX for a device i had return and services i have. not received that they are billing me for a prepaid service. XXXX has admitted they have the box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 {$1200.00} was sent to a XXXX XXXX from my XXXX checking account via Cashapp to another user by the name of XXXX XXXX ( $ XXXX ) with at XXXX for electrical services because he said the housing unit would need to be rewired. By Friday XX/XX/2023 the work still had not been done so I requested to have the transfer canceled and sent the screen shots to Cashapp to show he had not delivered as promised. I also called another electrician who advised that all that needed to be done was replace a breaker and he completed the work at a total cost of {$150.00} which would clearly indicate I had been scammed. Both Cashapp and my XXXX bank have refused to refund funds back to my account due to it being a bank transfer through Cashapp and not bank to bank. I have shown both places my text transcripts, shown proof of service from the second electrician, the individuals advertisements but to no avail. This morning, I also filed a complaint not only here, but with the Ohio AG and will continue through the weekend to file as many complaints through different agencies as I possibly can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: PA

Complaint narrative:
I XXXX XXXX XXXX have some fraudulent accounts appearing on my credit report. I have listed some supporting documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX XXXX have some fraudulent accounts appearing on my credit report. I have listed some supporting documents below.

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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I filed a dispute for a charge, in which I was scammed for {$450.00} on a digital purchase. XXXX Barclays accepted doctored evidence from the merchant and closed the case. 

On XX/XX/2023. I faxed evidence that the merchant scammed me, and they provided doctored evidence, and the case was re-opened. 

While the case is now re-opened and investigated, I noticed they are charging me interest on the disputed balance. Also, if I do not pay the minimum they will charge a late fee, and report this to the credit bureau. 

I called their support on XX/XX/2023 and spoke to the general support, dispute specialist, and account specialist. They confirmed the dispute has been re-opened and the investigation is ongoing but the charge is still on my account and that I need to keep paying the minimum and incur the interest charges, and it will be removed if I win the current dispute. 

I explained to them pursuant to the CFPB I can not incur fees on a billing dispute I've given written notice for, and that is open and being investigated. They offered no help and said there is nothing they could do. I will incur fees, and if I do not pay at least the minimum I will be charged late fees as well as then report the missed payments. I have this call recorded and can supply it.

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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I received a Current credit card that I have never applied for. Contacted the company to let them know and asked to be provided more information but they responded that I needed a warrant, subpoena, or other formal law enforcement request. Now I am worried that somebody has stolen my identity but this company wont do nothing to help the person affected ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i asked for correction of payment history as predatory lending had occurred only response i received was i have no account with them

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 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My phone and wallet were stolen in XXXX XXXX on XX/XX/XXXX around XXXX XXXX PST. I was without a phone until Saturday XX/XX/XXXX at XXXX XXXX. I reported fradulent activities on my capital one account. On XX/XX/XXXX they said that my claim was denied due to electronic activity or login history. I was unable to log into my account until I was able to get home on XX/XX/XXXX. There are numerous charges that I need the company to reverse on my capital one checking account. there are as follows : XXXX charges in the amount of {$300.00}. XXXX are investigating it is an incarceration company to where you can pay imates. I have no one that I know that is in prison. The other charges are XXXX resorts in the amount of XXXX, XXXX for XXXX, XXXX in for XXXX charges of XXXX and XXXX, XXXX charges of XXXXXXXX XXXX XXXX XXXX  of XXXX and XXXX and lastly XXXX in the amount of XXXX. All I would like is to get my money back. I was able to get with Capital one to change all my accounts to new checking and savings accounts so that no other transactions are made. The are XXXX disputes numbers : XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Pa XXXX showed up on my credit report but Ive never lived there and the only address is still XXXX XXXX XXXX XXXX and it should be the only address on my 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 2023-11-18 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: Chime Financial Inc
State: TN

Complaint narrative:
Chime is fraud as I have multiple claims with the same merchant and one is being charged back and other is not. The same evidence applies and they are not doing a fair investigation as they are frauds. I have 2 claims totaling over {$8700.00} and over {$21000.00}. Ive given them proper and direct evidence from the merchant, even a XXXX of my last activity on the merchants site. They need to fix this now or Ill continue to take any action Necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed for bankruptcy, and BMG was one of the creditors listed with an outstanding amount of {$6600.00}. Fast forward to XX/XX/XXXX, when I tried to refinance my mortgage, I was informed that BMG still had the account marked as in collections. This persistent problem involves the company reporting my account as in collections, even though it had been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX a person claiming to be a representative from chime ( chime is my online bank ) stated there was fraudulent activity on my account. He already had all of my info, my full name, my address, my email, my phone number and my pin number and my login details. He then proceeded to tell tell me that he was going to send me a temporary password and then i would have to provide him with the password to make sure it was correct which I did and as soon as I did the line disconnected and when I tried to call back it kept going to voicemail. On the following day I received an email stating XXXX $ was transferred out of my account WITHOUT my authorization. And I called Chime and I spoke to a representative and the rep. saw the person who talked to me the day before MADE notes on my account. And ever since I made appeals and kept getting denied saying it was my fault and there was no Error and I provided Chime with more than enough info than needed to the point that the Fraud 's department supervisor was also surprised that I've been getting denied 4 times in a row when it was fraudulent activity and also identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: SD

Complaint narrative:
I noticed the automatic payments setup have been posting at times later than the day the payment has been submitted even though my checking account has it posting days prior. The bank is charging additional interest and not posting payment the day it was received. When I questioned them about it they did nothing and said I do not understand the banking system and need to talk to my bank that has my XXXX XXXX posting withdrawal early. There response was not correct and they are charging additional interest after a payment is received on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I noticed this debt on my consumer report I asked them to provide me the original certificate of indebtedness and they ignored that and my dispute i disputed this to XXXX and said I was never given the original Contract this is a third party collector thats against the terms

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management collection agency is requesting I pay a total amount of {$6800.00}. I disputed this account and told them this is a fraudulent account. They responded saying they verified the debt as mine however did not include a physical verification of the original signed consumer contract in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A I have sent a second dispute letter out to them with my police report and all required documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account XXXX XXXXXXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
So I have been trying to reach out to Nelnet for the past XXXX weeks and I have not been getting anywhere with Nelnet every time I called their customer service, I've always been on Hold for over an hour just to get through them. It's just impossible for me to get through, I try to access the account information online with a user named password. They told me that my information can not be confirmed or verified. I tried the automotive system. The automated system will not takemy social security number or date of birth. It says that information does not match either. So what I'm trying to find out is how can I go out about making payments or see if I can even afford to make payments? Because you are asking close to {$3000.00} on my monthly payment. Which I can not afford so that's my complaint. My complaint is that I can not get through to you guys through the animated system to discuss my account options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Payments are being reversed with no explanation causing me to be delinquent on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Complaint : Funds held by Chase with no path to resolution. 

I am writing to file a formal complaint regarding a distressing situation my wife and I encountered with our joint account. On XX/XX/2023, we visited a Chase branch to open a joint checking and savings account, depositing a total of {$74000.00} in cash and checks. 

Specifically, {$56000.00} was deposited into savings, including a significant {$20000.00} check. An additional {$18000.00} was deposited into checking, intended for transferring funds between banks. Unfortunately, both the {$20000.00} and the {$18000.00} checks were immediately placed on hold. 

On XX/XX/XXXX, when attempting to transfer funds from savings to checking, I discovered my account was frozen ( no movement in or out ). After contacting Chase on XX/XX/XXXX, I was informed that due to the check holds, the entire account was frozen, with instructions to call back on XX/XX/XXXX to resolve the matter. 

Despite my efforts, on XX/XX/XXXX, I was told the account was still frozen, and verification was needed for both the {$18000.00} checks and I would need to call back the following day. 

On XX/XX/XXXX, when I called again, I learned for the first time that the {$20000.00} check needed verification, and my account would be closed if not resolved by XX/XX/XXXX. 

When attempting to verify the checks, I was informed the writer of the {$20000.00} check has no associated phone number in a chase system, making verification impossible. Shockingly, I learned the funds would be held for XXXX to XXXX years and, if not verified, sent to the state. Despite my pleas, the representative provided no steps for verification and claimed there was nothing they could do. 

I deposited all my money, transferred my direct deposit, and now face almost a month without access to my funds, causing significant stress, inconvenience, and financial hardship. 

The lack of transparency in this process is deeply concerning. I was not informed about the need for verification until XX/XX/XXXX, with no guidance on completing this process or registering the sender 's phone number. Additionally, the threat of account closure without proper resolution is unacceptable. 

I urgently request a resolution to this matter and appreciate your prompt attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am providing the exact problem is the documented, I send in the document area below. I asked XXXX XXXX about the cameras. She replied, oh yeah that we can't do. I asked again and she hesitated and said I nevered said that we couldn't check, then changed the subject.it the branches cameras you will see what happened and really the problem will get solve. Please email me with any confirmation because on my last complaint someone closed the case without really doing any research again. Thanks XXXX

Company response to consumer: Closed with monetary relief