vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I was looking on XXXX to find my wife a XXXX. I found one for a really good deal and contacted the seller. The seller asked for my number as texting worked best for her. I asked questions about the product and she gave answers. Everything checked out and she was a very nice seemingly trustworthy women. She even created the shipping label and sent me the tracking info before I paid as I expressed that I was worried about it being a scam. I then trusted her enough to send the money via a Chime bank transfer. The seller and I stayed in contact for the next 2 days until she quit responding to me and disconnected the XXXX XXXX number she was using. She had told me that she drop the package off at XXXX on wednesday night but two days passed and the tracking still said they hadn't received the package. It is clear to me now that I have been scammed. I contacted chime to reverse the transfer but because it was bank to bank and it was instant, they could not help me. 

Dates : money transfer took place on Wednesday, XX/XX/XXXX. 
Shipping label was created on Wednesday, XX/XX/XXXX. 
Dispute was filed on Friday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX and SYNCB/Amazon has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumper plan as late for any purpose.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : I saw on my cash app that someone was able to send themselves XXXX  bucks from my account. I contacted both my bank and cash app about the issue. Cash app didnt do anything but my bank provided me with a refund. On XX/XX/XXXX my bank took the XXXX  buck out of my account because cash app told them that I had multiple undisputed transactions with the scammer. This is a false claim and if you look through my transaction history you can see that there is only on transaction with a person named XXXX and I deputed the claim. Cash app sent false information to my bank that resulted in me losing my XXXX  bucks. I have made multiple attempts to get an answer out of cash app but they refuse to address the issue. The claim that they addressed my claim but never answered the question of whether or not I have multiple undisputed transactions with the person who took my money. Cash app refuses to answer the question because the they know they lied to my bank and wont take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: TX

Complaint narrative:
I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed already. I called again in XXXX and then on XX/XX/XXXX I spoke with supervisor XXXX about account not being closed in XXXX or XXXX and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email XX/XX/XXXX saying that I owe Total CC XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau monthly. This company then continued the problem by lying to the CFPB I reached out to them in XXXX and they said that they removed all fees which should have brought the balance to XXXX  which it did at the time. Then in XXXX they charged a fee of XXXX even though I called in XXXX XXXX to XXXX to close the account. Then they charged mthly fees & late fees in XXXX, XXXX, XXXX, and XXXX. I called every month and every time they promised they would fix the problem. They need to erase the fees and the balance on this account. I closed this account with a XXXX balance in XXXX period. So I should not have any balance and there should have never been late fees charged or reported to the credit bureau. Everytime they waive fees they live a balance like right now there is a balance of XXXX cents even though they stated to the CFPB that the account was finally closed properly as of XX/XX/XXXX. Apparently they leave a balance so the ACCOUNT stays actively accruing fees and interest even after closure of an account.This is the longest its ever taken to close an account and be done with a company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
Around XXXX XXXX I called US bank because i noticed that 3 of my payments was not applied correctly in XXXX of 2022. My account was paid ahead until XX/XX/2022 and I called US bank to make them aware that my payments in XXXX of 2022 did not apply correctly- all of them went towards principal but then showed I had an interest payment due. I was making XXXX dollar payments every 2 weeks and about XXXX dollars would go to interest and the remaining to my principal balance. I spoke to a representative who advised they can submit a request to reapply those payments so that they apply correctly. I logged on a few days after the request and it showed I had a XXXX dollar payment due for XX/XX/2022. That shouldnt of been correct but I let it be as I had another XXXX payment drafting on XX/XX/XXXX- which would of paid the XXXX and then paid account ahead. I logged on after the XX/XX/XXXX payment and it was showing I was behind a day and owed XXXX dollars. I called back US bank and the first representative stated they would review my account but then transferred me without telling me. I am frustrated as my payments are not being applied correctly and feel as if US bank is stealing my money

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 2022-09-02 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: MO

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.

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 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MD

Complaint narrative:
I wrote an email and provided the mortgage company CMG financial with receipts showing that I finished my basement for the purposes of having a appraiser come and appraise my home so that the PMI could be removed the lender stated the receipts I provided doesnt qualify as finishing a basement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why

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 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX was the day the contract was signed, I did read over this contract and to the best of my knowledge at the time this contract seemed to be a okay. Plus, I was able to ask the finance manager a couple of questions. I have recently become aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). Since the new knowledge I have applied when reading ovr my contract i have seen some inconspicuous things. Starting with 15 USC 1605- Finance Charge. The Consumer credit contract gives a definition that didnt clearly make me aware of what the finance charge is supposed to entail. The US Code tells consumers the finance charge " shall be determined as the sum of all charges '', and further states " The finance charge does not include charges of a type payable in a comparable cash transaction ''. Santander failed to perform by making this clear and conspicuous to me, According to the " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT '' the finance charge is XXXX ; but in the Following section is the AMOUNT FINANCED is XXXX. 
Also in 15 usc 1605 ( c ), Charges or premiums for insurance, against loss of or damage to property or against liability arising out of the ownership or use of property shall be included in the finance charge. Unless otherwise permitted. Santander consumer failed to make this disclosure to me as well. 
another Violation i spotted was 15 usc 1662 ( 2 ) regarding the advertisement of downpayments.i was told by XXXX XXXX, santander would not accept my credit application unless i had a downpayment, which led me to use my car XXXX  XXXX XXXX  ( {$2300.00} ) which is an irreplaceable Graduation Gift and an excess of XXXX FRN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score dropped more than 150 points for no apparent reason, giving me a score from good/excellent to poor. However, with the metrics that was showing, there were no delinquencies and all the factors that were considered high impact factors, I was doing well. 

The only negatives were the credit age, but that wouldn't or shouldn't justify a credit score drop, since when i had a good/excellent score, the credit age was properly reflected and there were no negative factors that could justify the drop. 

I've tried reaching out to the credit bureau and they couldn't explain to me on what is the reason. I was informed that the matter was being escalated. 

I then saw on the news that this has happened to Equifax ; that people were being affected by some glitch. 

There should be a way to dispute the credit score ; and the bureaus should be able to give tangible reasons ( not vague reasons ) as to why the score has dropped substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, 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:
My TransUnion credit score -- - which I paid for -- shows that my credit score is XXXX  ( see attached document ) - which would be not an issue. I also pulled the TransUnion score from XXXX XXXX -- again XXXX ; However, my bank, XXXX XXXX, has pulled the credit score for a loan application from TranUnion and TransUnion states that my credit score is XXXX. 

Which is correct? Why are there two different credit scores? Why would there be such a huge discrepancy between both scores? If my credit score is in fact, XXXX then why would TransUnion not display that -- it can not be both. 

This seems completely unfair -- - they tell me one thing and my bank a completely different story. I think we might hire an attorney to fight TransUnion.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX XXXXXXXX : no account number shown on the credit report 4. Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : XXXX XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX  XXXX : no account number shown on the credit report 4. 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 2022-09-02 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was contacted by financial institution on XX/XX/22 and let me to believe that my debit card was compromised I went ahead and provided information on in good faith later do I become aware that my debit card is being XXXX XXXX it on without my consent to the sum of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I received the email about your current settlement with Credit Karma about their deceptive practices of " pre-approved '' claims. I just received an email, from them, and noticed that they've changed their wording to " you have outstanding odds ''. Seems to me that's just as bad as their " pre-approved '' claims. Doesn't seem like they learned anything from the money they have to pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NY

Complaint narrative:
The credit bureaus ( XXXX, XXXX, transunion ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review 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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX ( XXXX ) XXXX XXXX Affirm : My name is XXXX XXXX. I am writing to you today to lodge a huge complaint about your service. 
I have been using your service for more than a few years now, without a problem or complaint. 
My bills are always paid on time, every week. 
For the past few months, I have been unable to create new orders due to being asked to submit ID verification via a website link. 
However, every time I submit my Identification, I am told that you can not verify my identity. This is not the first time I have had to verify my identity with you, in this manner, but it is the first time you have told me that by submitting the exact same identification, that you can not verify my identity. 
My account with Affirm is still active and you are still extracting weekly payments from my financial account, and are denying me access to purchase any products, on-going. 
If Affirm, affirms that they can not verify my identity, you are committing financial fraud yourself, by extracting payments from an account that you can not verify the identity of its owner. 
This miscarriage of justice has lead me to believe that you have taken out a discrimination act on me, because of my appearance. And are stealing my money in the process. 
I am requesting to have access to Affirm once again, without hesitation. I will also follow up with a letter written to my local Attorneys General consult and the Office of Civil Rights. 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: FC HoldCo LLC
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

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