vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC
State: TN

Complaint narrative:
I started receiving e-mails where someone -- not me -- was applying for a credit loan using my identity. Balance Credit proceeding with underwriting and the process to open a credit loan ( I'm not sure what type exactly ) under my identity. It appears the scammer proceeded all the way and is in the process of submitting back account verification. I did not apply for this credit or loan. I did not consent to anying doing so on my behalf. The business may also conduct business as SunUp Financial , LLC d/b/a BalanceCredit.com ( Balance Credit ). 

I e-mailed the XXXX e-mail address stating that I was the victim of identity theft and did not apply for this loan. I received an automatically generated e-mail stating that " This email serves as confirmation that loan application number XXXX has been cancelled. '' I am unable to receive a personalized response to address my concerns about the identity theft. Likewise, the telephone numbers on the website are not working numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I've purchased a vehicle in XX/XX/XXXX and financed by Flagship Credit. My purchase included service contract for {$990.00} and additional warranty for {$3000.00}, but since my vehicle is a Certified vehicle with excellent warranty, I cancelled both contracts with XXXX XXXX. They sent the check to Flagship and both checks were cashed on XXXX. They credited my account {$990.00}, but but not {$3000.00}. When I called, was told to provide the letter from XXXX, which I provided on XX/XX/XXXX, nothing happened, so I called week later, and story changed, letter is not good enough, they need image of cancelled check, so XXXX sent it to me on XX/XX/XXXX, and I sent the information to Flagship. Than I was told it will take couple of days to verify, but nothing, it's been 2 weeks and no communication of the status, all I hear is I can't talk to accounting and I have to wait as Customer care do not have any information. I've been calling and emailing for almost a month now and I feel they are stalling or not looking into my request. This is no way to do business, if I'm late on my payment, I'm sure they will send notification right away. All I want is my money credited to the account.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I lost my wallet before the pandemic in XX/XX/XXXX. The transactions in error started in XXXX. I was working off and on doing side jobs at that time so I had steady cash flow, I did not have any reason to use any of my cards. However, The Chimes card, my unemployment card, XXXX XXXX card, etc was in my wallet and the wallet was lost/stolen. I found out that I had unauthorized transactions on all of the accounts when I viewed the online statements involving the missing cards. I reached out to Chime online banking to make them aware of what had happened. I was told that they would file the disputes and that my account would be credited back. I sent a police report to verify that my wallet had been lost/stolen but somehow the police that wrote up the police report forgot to add the other cards that were missing so I sent them the police report that I had. The amount was around five to six thousand dollars based on my understanding that the resolution department disputed thirty-five thousand. I filed two claims this has been going on since XX/XX/XXXX. And nothing has been done about the unauthorized transactions in error. I rebutted the unauthorized transactions as well. I was told today that they could not locate the transactions in error and Chime keeps asking me do I recognize the transactions in error I keep explaining to them no I don't because my wallet was lost/stolen. Chime also, stated that they had cancelled the old card and that when I receive the new card I could call them back and they dispute the charges and that they would credit my account back but that never happened. I want the deposits that went into my account put back on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have a paid subscription through Transunion to have access to my credit report and credit score for {$24.00} a month. 

I have been unsuccessfully able to access my credit through the paid for Transunion website and the free XXXX website. 

When I try to login on the Transunion website, it keeps saying my credentials are invalid. When I try to reset my password, it keeps looping over and over to the same login page even after I enter my social security number and name. 

I have called on numerous occasions to Transunion. The customer service representative tells me that some one will call me back and I never hear anything. 

Meanwhile, TransUnion has taken at least {$300.00} in the past year, possibly longer, and I have no access to my TransUnion 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 2022-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX is failing to update their records on my credit file. I disputed inaccurate information which was listed by Bank of America ( BofA ). BofA claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on BofA 's side & I was never late during that time. BofA informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with XXXX and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like XXXX to be held accountable for complying with FCRA sections 611. I'd also like XXXX to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. Bank of America # 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 2022-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX XXXX has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

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 2022-03-07 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: VA

Complaint narrative:
XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX  ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Incorrect information used on my consumer credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I closed my capital one XXXX credit card on XX/XX/XXXX following the death of my husband who I jointly held this card with. I called the rewards division to cash out my XXXX rewards points balance which amounted to a check for {$190.00}. I spoke to multiple people at CapitalOne for over two hours to accomplish this task until finally XXXX at capital one customer service assured me he would send the check regular mail and it would arrive within 7-10 business days. I gave them my mailing address and confirmed all contact info. When the check didn't arrive, I called the same division and spoke to XXXX in XXXX AZ on XX/XX/XXXX. He was confused why I didn't get the check but said he would arrange to have it resent. He said he would submit it for 'reissue today ' and someone from Capital One would call within 5 days to confirm it was resent. The check didn't arrive. I called back on XXXX spoke to XXXX XXXX XXXX XXXX AZ XXXX After much confusion, he told me that he was 'chatting ' to XX/XX/XXXX- this is the division that looks into check issuances for rewards redemptions. I was told customer can't speak directly to the XXXX staff, it has to be only via customer service at Cap One. He said, XXXX indicated the check had been cashed at a bank on XX/XX/XXXX. The check had not been deposited but simply cashed with NO verification of payee. I did not ever receive or cash this check. I asked for it to be reissued and mailed to an alternative address for a family member so if mail theft had occurred, it would not happen again. He agreed. He said, as it was fraudulently cashed it would be reissued and sent to the new address I gave him. He said someone from Cap One would call me on my cell number within 5 business days to confirm the check was mailed. No one called. I called back on XX/XX/XXXX. First I spoke to XXXX, she was unable to help me after trying to get an answer on the status of my check from XXXX. Then I implored her to escalate this matter to a supervisor, she then, after 90 mins sent me to XXXX. XXXX was a horrible person who told me 'Capital one can't help you. The check was cashed and all we can do is send a copy of hte check to you to see where it was cashed ''. In other words, he told me Capital One doesn't have a policy of reissuing this kind of check when fraud has occurred. He falsely told me the onus was on me to try to figure out who committed the fraudulent check cashing to try to get my money from the bank that failed to conduct the payee verification. That is absolutely false information. I am angry that they refuse to file a claim for that money with the bank that. It is also wrong that they are refusing to pay me- the rightful owner of these funds. They have RECOURSE. I DO NOT! This money belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I am writing to dispute the following information in my credit files under Fair Credit Reporting Act. The items have been on my credit reports for more than XXXX ( XXXX ) years. GINNY 'S INCXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX tell : ( XXXX ) XXXX, Please investigate these matters and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
This collection company The Best Service Company that is located at XXXX XXXX XXXX AVE. XXXX FLOOR XXXX XXXX, CA XXXX is reporting an alleged debt on my consumer report ( XXXX, XXXX, ) that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. The Best service company has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 



I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly

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 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I was scammed out of {$1000.00} financial institute was Wells Fargo. I was sent a text asking had I approved a {$3500.00} transfer through XXXX. Responded no and went to call the bank and the bank called me in the process. Ended my call answered the other line and spoke with some stating they where a representative from Wells Fargo. Even spoke with someone stating they where a supervisor. I was advised to create a XXXX account with my information and send money in checking acct to myself. The money never returned to me. I was advised by the bank it was a scam and a hacker spoofed my phone number and took the funds and because it was through XXXX the transaction had no covered protection from Wells Fargo or XXXX. The bank was aware of the scam going on knew the step but never put a warning out about the scam online until sometime in XX/XX/XXXX. They only advised they would submit a claim to XXXX in hopes of getting v the money returned and as of date no response has been provided. Don't trust the banks or XXXX all are aware of the scam and continue to provide XXXX all the apps and online banking. I have requested proof that Wells Fargo filed a claim with XXXX in writing have yet to receive. Also requested information on the bank that received my funds no response either. 

Companies involved : Wells Fargo and 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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Consumer Financial Services Solutions, Inc.
State: TN

Complaint narrative:
I set up an account with Beyond Finance looking to pay off debt after Coronavirus. I spoke with a representative. In which I was explained a program. At the time I was not advised of the fees and I was under the impression that I would only be paying a program fee. After having the account for a month. I noticed excessive fees. Settlement fee for XXXX $ fees several XXXX deemed for possible legal service. Only XXXX $ was placed toward my debt. When I requested to cancel my account, I received no contact. I contacted a gain to cancel my account and finally got an email that my account would be cancelled and funds in my dedicated account would be returned. XXXX $ should have been left. When I contacted I was told they had to collect their settlement fees which are 25 %. Id spoken with a representative that told me there were only 4 fees of XXXX. I asked if that was all, they said yes. I was then told if I read the contract it said it there. Even though I asked, I was not told. It is In the contract. Why when I specified asked was I not told this? I would not have proceeded if this information was provided from the beginning when I signed up! The relief on clause in the contract that they know would not be read instead of being forthcoming. I deserve my money back. I was on hold for 2 hours to speak with a manager. I was hung up on while on hold. No one would communicate with me regarding this issue. The ledger the provide just says withdrawal it does not tell you why money is being removed from your account. You have to call and wait to get an explanation. This is a deceptive business practice, why have a ledger if it doesnt explain where the money is going. In addition why are fees not explained in the the initial debt that was supposed to be pa was a target account for XXXX to be reduced to XXXX XXXX Instead they jumped over that and settled a larger account for XXXX make it it have and getting a larger fee. Of XXXX $ instead of the XXXX $ For the smaller account which I would have immediately notice the cost vs settlement ratio was ridiculous. Instead if helping people they are preying of individuals who are trying to pay debts and get their life back. Now I am out half of what it would cost me to file Bankruptcy and I am still in debt. 

After reviewing the agreement it says nothing about any fee other the ridiculous debt settlement fee.

Company response to consumer: Closed with explanation