vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I have tried several times to work with my loan company in regards to my payments. They are unwilling to work with me. I lost my job due to being in a XXXX XXXX relationship. I explained this to them, but they do not care. My payments are due every 2 weeks in the amount of {$290.00}. I have been making payments of {$260.00}. Today I was told that my car payment is {$480.00} past due and the collateral is {$240.00} past due. I was told by the call center floor manager, that if I can not pay the collateral, I should not be driving their car. 
Also, DMV sent my plates to me. The call center manager stated that I still owe them {$98.00} for the plates and I will need to pay for that. He said there was a glitch with DMV that is why I received my plates. I paid for the plates with my down payment in the beginning in the amount of {$120.00}. That is what my loan papers state. XXXX, the manager, is very rude, very unprofessional and is requesting/demanding payment. Told me to borrow the money, which is what I already did to make this payment. 
I am not asking for a handout, I am asking them to be sympathetic to my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
My chime card was charged {$240.00} on XX/XX/2022 to XXXX XXXXXXXX XXXX that was not authorized by me. I filed a dispute and chime closed my dispute out and told me I couldnt get my money back. After further research Ive read that they have done several people that do business with them like this. I was told by an agent that I would need to XXXX the business that the transaction was made with and try to contact the merchant myself. As I explained to said agent I cant show proof for a purchase I did not make. Not only that said agent stated that they dont have to refund my money and that I would just have to be out of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
I financed a XXXX XXXX XXXX in XXXX of XXXX and last week while driving the car just completely shut off while driving on the highway in the middle of the night with no warnings. I get the car towed to a dealership the following day only to be informed that the motor had went out and that this was a known issue for this make a model vehicle. I contacted XXXX and Santander only to be told there's nothing any of them can do for me and that I'd have to pay over XXXX XXXX  to get the motor replace. There's no way in XXXX that consumers should be punished for defective vehicles with well known issues or for any issues for that matter for defects that are beyond our control. I refuse to pay for something I didn't do and I'm exploring all of my options allowed under the law to put a stop to this. I will not be punished and forced to come up with money I don't have to fix something I didn't cause. This is ridiculous. I will be going to the FTC and Attorney Genral and whoever else I need to go to to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  account was paid and they are refusing to update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX account was paid and they are refusing to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  account was paid and they are refusing to update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I have attempted to call the debtor to no success to tell them this debt is not mine. Now I need this debt validation for additional records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was connected with what I was told was a reputable way to help consolidate and start repayments on my student loans. There was a {$790.00} start-up fee ( first red flag I was too XXXX to see ) as well as {$39.00} deducted every month on the 16th going to what I was told was my student loans directly. This happened from XX/XX/XXXX to XX/XX/XXXX for a total of {$990.00} overall being taken from me by this company, before I finally caught on to this entire thing being a scam. The money was going directly to " XXXXXXXX XXXX '' aka " XXXX '', and not to my loans at all like I was told it was. They blatantly mislead me, and many others. Please see their XXXX XXXX XXXX page : https : XXXX. My account with " XXXX '' was thankfully cancelled as of XX/XX/XXXX. I sent their customer service an email that day requesting a refund, which I did not get. After speaking with XXXX XXXX and with XXXX XXXX XXXX, it looks like they physically lied on some of my paperwork, saying I had multiple dependents for some reason. To be clear, I did not approve of this, but my bank states that this is technically not correct since I signed paperwork ( thus my report here ) allowing the withdrawals to occur monthly. The fact is, I was verbally lied to and verbally misled by " XXXX '' ( of course this was over the phone, so no XXXX XXXX ). I intended to approve what I was told over the phone : that my monthly payments would be going towards my loans directly, which I came to find out that they were absolutely not. The wording on their documents is clearly incorrect, since I was told something entirely different by their employees when initially speaking over the phone. I never would've proceeded with things had I known what was really going to happen with my money. Their representatives told me over the phone that any payments coming from my account were going directly to my student loans... not to their company for the " recertification process '' on my account in reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
There is a credit inquiry on my report from BRCLYSBANKDE on XX/XX/2022 that I do not recognize. I reached out to them for help, but they have not responded to my support message. I am unable to dispute it directly with XXXX, I was directed here

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 2022-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
On XX/XX/2017 account was open online with XXXX XXXX for {$150.00} the balance now is XXXX. I never open account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

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 2022-09-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
New issue needing help. Chase continues to send me pattern letter responses and has failed to respond to my requests for contact due to the mis leading and deceptive practices to open new credit card. I have been treated poorly, mis informed and a victim of bait and switch from Chase Credit Card Services. Original complaint was filed and representative contacted me, took no time to hear my concern and just advised I would get a response. How can that be a diligent review and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.

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 2022-09-16 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I use Credit Karma to monitor my credit- and work on trying to repair my credit. I've received several notifications from Credit Karma of offers on loans and credit cards. I eventually took them up on a pre approval offer - When I applied to a company called XXXX XXXX XXXX  on XX/XX/XXXX of 2021. I was denied because in fact I was not preapproved and plus you have to an automobile as collateral to get a loan - which I was not even aware of. This placed an hard inquiry on my credit report, which brought my score down several points also the hard inquiry stays on your report for 2 years which last for two years. I would have never applied if was not made assure that my approval rate was high for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was contacted by Citibank about 2 months ago regarding my checking account. The letter stated that the IRS was instructing the bank to start back up witholding due to the number of withdrawals I was taking out. To date I have received nothing from the IRS in regards to this. The bank sent another letter last week requesting a W-9 form. Due to the fact that I have not received any documentation from the IRS, I will not submit any type of documentation to Citibank and request that they no longer contact me in regards to this unsubstantiated issue. 
Upon reading the documents sent by Citibank I noticed that they have two ( 2 ) different ending account numbers. The account ending in XXXX is not an account that is used and not completely sure at this time that it is actually an account that I have opened. Also in the documentation dated XX/XX/2022 Citibank stated that the Internal Revenue has given them notice of this account. How can that be when I have received no notice from the IRS as stated previously, however the document states at the bottom that I should contact the IRS if I have not been notified. The same way that the IRS allegedly contacted Citibank I should have been contacted as well.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On Thursday, XX/XX/22 I made a CASH deposit of {$1400.00} in a Citizens Bank ATM # XXXX located in the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, MA. 

I accessed my account with PIN, and selected Cash Deposit. The door for deposits on the ATM opened and I inserted 14 {$100.00} bills. The ATM took the cash and proceeded to count it. After a while, it rejected 3 {$100.00} bills, then one more, and after another pause a last {$100.00} bill was rejected by the ATM. 

I waited and got a message from the ATM that the deposit could not be processed, and I got a short printout that had : ATM #, Date, Card # and Location, and stated " Cash Deposit Your transaction can not be processed '' and " Please contact your financial institution '' THE ATM STOLE {$900.00} from me, Did not define my account number or the {$900.00}! I AM OUTRAGED BY THIS. 

Thank god I selected a hard copy receipt or I would have no evidence of this thievery or incompetence whatsoever. 

After 3 phone calls - the first 2 dropped out - reason unknown, I was able to file a claim, Claim # XXXX. On Friday, XX/XX/22, not trusting the local ATM, I deposited the balance of {$500.00} with help from a Teller. Shortly after the {$500.00} deposit, I went online to verify the {$500.00} deposit and saw that {$900.00} had been put in my primary checking account, dated XX/XX/22 and noted as Credit Memo and Dda Credit. 

No apology. Repeat : No apology. No email or other notification that the {$900.00} deposit had been completed. I'm starting to really dislike banks in this era.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage company doesn't report my on time payments in my credit bureaus. I paid for XXXX and the payment doesn't show up on my credit report. They're delaying reporting my mortgage payments and that is hurting my credit score every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, I sent two wire transfers from my personal chase bank account to a business account held at XXXX XXXX XXXXXXXX. 1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( chase ). 2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both Chase Bank & XXXX XXXX XXXXXXXX to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received an email to one of my personal emails from XXXX XXXX XXXX on XX/XX/22 concerning their efforts to validate my identity to open a checking account. On XX/XX/22, I receive another email to another one of my emails to do the sane but for a different banking company, Wells Fargo. I have not attempted to open any checking accounts recently.

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express used to be my credit card company till unexpected happened during Covid-19 which led my card to be closed down. Before closure, I had {$1000.00} limit but then American Express was waving late fees. Fast forward to chargeoff and now my account is on {$1600.00} with interest of {$600.00} which is a lot. Ive tried to dispute to get validation but never received information or resolution about my dispute with Amex. They are making life unbearable for me by trying to charge {$600.00} from a Covid-19 survivor. It doesnt make sense at all. I would like them to be very fair with the interest as bunch of credit card companies waived alot of fees. Amex making life unbearable for me.

Company response to consumer: Closed with explanation