vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
CNAC/JD BYRIDER insurance and car payment was paid till date of car being total. CNAC is advising I am still responsible for payments till Deductible of {$500.00} is paid to them. At this point CNAC has the wreck car, the XXXX insurance they have in their possession and all payments made to that point. The only thing I should be responsible for is the {$500.00} which I can make in payments. I can make bi weekly payments to get the deductible paid because I am using resources to get to and from work. After the {$500.00} is paid I dont want my credit impacted or nothing owed to Byrider. The car was value at XXXX. Per XXXX at byrifer I have only paid XXXX on the loan even though I started in XX/XX/2022. I put {$500.00} down have been paying {$250.00} everytwo weeks and a payment of {$500.00} on the down was also done in XXXX. I have every charge to my checking account which is way over XXXX plus the additional I paid biweekly for XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/23, I faxed to Capital One Bank a handwritten cover letter with directions, a completed and notarized Fiduciary Agent Instruction Form, my very elderly mother 's power of attorney, and my notarized Affidavit that Power of Attorney is in Full Force. 

On XX/XX/23, I received an email from XXXXcapitaloneXXXX stating that my " request was declined because we're unable to verify your identity. '' On XX/XX/23, I wrote back requesting " additional information about why my mothers power of attorney has been declined? The application was notarized, and the notary ( at a local bank ) checked my identification and confirmed my identity. '' On XX/XX/23, XXXX of Capital One 's fiduciary services responded by email : " Capital One uses a verification system to identify and verify all of our customers. Unfortunately, while processing your request to be added as Agent/Attorney-in-Fact for [ Mother 's name ], our identification system was unable to approve and complete the verification process.that would allow us to add you as Agent/Attorney-in-Fact. We are unable to change this decision. We apologize for any inconvenience this may cause. [ para. ] You do have the option of closing out the account payable to [ Mother 's name ] by sending in a signed letter of direction requesting the account to be closed. The letter should include the mailing address where the funds should be sent and emailed to XXXXcapitaloneXXXX Have a great day. '' Within minutes, I emailed back : " I thank you for your form email. Unfortunately, it still provides no explanation of your ill-advised decision to dishonor my mothers power of attorney. Please provide me with details behind such decision and the methods used in such determination. Thank you. XXXX '' I have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All 3 credit reporting companies are give my information to all the get out debt companies for which they don't really want to help i have talked to 2 of them and all they want me to do is put money in a trust account and then they will call the creditors and make a settlement for which will take about 90 days. So that meant to me was i probably be sued by the ones not being paid during this time I'am supposing saving to money to a settlement with a company. I have a lot of debt right now and trying to make arrangements with my creditors. I get anywhere from 3 to 8 offers daily about consaladateing my debt with a loan but that is not the case they don't loan money with a lower payment they are just legal loan sharks.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Commencing on or about XXXX XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I had routine physical lab services for a XXXX XXXX XXXXXXXX XXXX performed in a physicians office that had covered without question by isame nsurance previously fact Additionally, ,there was 12 to 18 month gap in communication from time of service until notification by provider of balances due. 

There was an extreme back up in communications by all parties that prevented timely discussion, objection, and resolution

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA 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 2023-10-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did some work for a long-time client and they wrote me a check for {$7000.00}. I had this check deposited for me to my Chase account as I am out of the country. 

Chase has been holding this check for longer than the legal limit. The check was deposited on XX/XX/23 and cleared shortly thereafter. 

Initially, they gave no reason for not releasing the funds and claimed that their deposit agreement superseded federal law and that they can hold my check for up to XXXX business days. 

Now that we are reaching the XXXX business days, they are making vague claims that they suspect fraud, which is absurd. When I try to get concrete answers about why they think this is fraud, I get nowhere. 

I have held this Chase account since I was XXXX years old and though I do not use it often, I do use it every now and then to deposit checks sent to my parents ' house, as they have a Chase branch XXXX minutes away. 

I have had checks of larger amounts deposited to this account without a problem. It seems like a convenient excuse for Chase to claim that they are trying to protect me from a threat that they can't give any information on, while they hold my cash for their own gain- especially after the check cleared on XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX  an email was received from Chase bank on my wife 's email stating thanks for applying for a Chase Sapphire Preferred card ( the application was under my name. ) I did not submit the application and neither did my wife. On XX/XX/XXXX  I called Chase at XXXX and was told there was no application under my name or SSN. I was transferred to the application team at XXXX who confirmed there were no active applications under my name or SSN. On XX/XX/XXXX  I called the Customer Protection Group at XXXX and was assured there were no applications under my name or SSN. On XX/XX/XXXX  I received a letter dated XXXX ( mail ) from Chase telling me they were unable to access my credit report and that I should contact XXXX to allow access. The letter refers to reference # XXXX. I called the Customer Protection Group at XXXX again and was told there were no applications under my name or SSN. I then called the number on the letter, XXXX, Chase Card Services and they confirmed there is an active application .They cancelled the application. I asked for the information that was submitted on the application and was told they can not provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I first bought the american express prepaid card at a XXXX XXXX  on XX/XX/, at first my card was being declined and i called the number on the back of my card to check the balance, activate it, and tried to order my items again, tried from numerous different online shops, and didnt work i waited for 24 hours and a day to go by and it worked, for 4 transactions from XX/XX/ to XX/XX/. I had gotten a refund on a transaction that was made XX/XX/, which gave me a balance of {$16.00} of credits and {$16.00} for the available balance. I then tried in tons of different online stores and my transactions were all declined with a message of The card issuer has refused this transaction, please try a different payment method. I called customer service on the back of my card numerous times though-out this whole duration because my solution wasnt being solved. I was told That website is black-listed or try to shop somewhere else. Or I do not see this shop being showed, i only see this i was told to use this card in stores, but i have been and it was constantly declined by the card/bank issuer. There are no pending transactions on the card, and a balance of {$16.00} was being shown, i had even went under the amount of {$16.00} in my cart and still was being declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
Started receiving emails a couple weeks ago about an account being opened with Chime and then got another email today to activate my new card. I never opened an account with them and never received anything in the mail. When I called their customer service line today XX/XX/2023 they had my cellphone number already tied to an account so I got right through. They tried to get my DOB and other information to verify me but I refused. They transferred me to the investigation department which they tried to do the same thing, I also refused. They would not cancel the account over the phone so they gave me an email " XXXX '' to ask them to cancel my account. I did and the emailed me back within 10 minutes without any further questions and that my account has been canceled. I went on some threads online and see this is an ongoing problem with Chime and I fear they are falsely opening accounts without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Advantage Finance LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I refinanced my title loan from XXXX to Advantage Finance. I ended up finding myself in a position where I got into a situation where I got behind on my rent due to some extenuating circumstances that were beyond my control & missed months of payments. I owed about {$6000.00} on the original loan & they finally came & picked up my car in XX/XX/XXXX. I ended up having to file a XXXX XXXXXXXX to retrieve my vehicle because at the time they wanted a lot of money that I didnt have at the time. I was considering dropping my bankruptcy to see if I could work something out regarding the total but now theyre saying I owe XXXX XXXX on a car that I just paid off in XXXX & its a XXXX XXXX XXXX XXXX. The current blue book value for the car if I were to sell it or trade it in would be {$7000.00} which is still double of whats owed. I spoke with my attorney who told me I should reach out if I wanted to forego my bankruptcy because Id like to invest in real estate in order to build a substantial income. Spoke with XXXX & was told in order to refinance that I need to pay {$7000.00} which is even more than the amount I borrowed. This is predatory lending & I hate that I even got the loan because Im trapped & cant get out of this. If I was able to pay the loan without all of the added interest I would be fine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I dont know the company and they report hard inquiries on 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I received a letter to collect a debt in XXXX of XXXX in the amount of {$830.00} from THE CBE GROUP, INC, I disputed the bill on XXXX XXXX through their online portal ( see attached ). I received a letter dated XX/XX/2023 stating that the balance is due on the validated account. The information was not validated as per my request. 
After further research into the company, I found out that the debt collector is not licensed to collect a debt in the state of Florida as of the date the initial attempt to collect a debt and the date of response dated XX/XX/2023. I am alleging that THE CBE GROUP, INC has committed identity theft against me being that they received my personal and medical information by representing the company as a debt collecting business. This has caused me undue stress and mental anguish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
MOHELA is charging me over 10 times what they told me my monthly payment would be for my student loan under the SAVE plan. Last month they told me in multiple messages my payment was going to be close to XXXX dollars a month. When I finally got my bill at the end of the month, suddenly without warning I am being charged XXXX dollars a month. I have messaged them through their website 5 times and gotten no response. I have called them 4 times and sat on the phone on hold, never getting through to speak to anyone. I can not and will not pay this incorrect amount. And I refuse to be held responsible for their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation