vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Been banking with Chime ( XXXX XXXX ) since XXXX. Chime closed my account while I was out of town, XX/XX/XXXX. I had no money and was stranded while on vacation. Chime closed my account for deposits that were made to me by my XXXX XXXX I am a professional XXXX XXXX and I am Enrolled Agent with proper credentials through IRS. Chime requested I send proof showing reasons for deposits and where they were from. I did so as requested. I sent my IRS credentials, Tax Clients documents .... Also, my tax clients sent letters as well. I had another deposit as well and they kept that also. They closed my account with about {$18000.00} available funds. They still have my remaining balance and all I'm asking is they send my money as soon as possible. I was never able to verbally speak with anyone at Chime nor the XXXXXXXX XXXX They always had a recorded message to send email to XXXX. I sent over 25 emails and no resolution. Please help me get my funds from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
On XX/XX/2021, I received a collection notice from Credit Control LLC about an alleged debt I owe to XXXX XXXX XXXX and I responded back on XX/XX/XXXX with a debt validation letter, on XX/XX/XXXX I received a letter from XXXX XXXX saying I requested a verification on a debt and sent me a credit one bill with an address in another county, I would like to know how is it possible for two of these collection companies can be writing me about the same debt and when I write one another one responds, I will attach all documentation from these collections companies to make sure they are doing the correct thing.

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 2021-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I complained that PAYPAL company illegally misappropriated user refunds and refused to return the original payment bank account! 

I received a prepayment refund of {$520.00} from XXXX on XX/XX/2021, transaction number : XXXX. After PayPal received the refund, it did not return my money to my original payment bank account, and sent a misleading email telling me that I received the refund from XXXX, but it was not very clear at the end that the refund did not arrive. Account. I did not find the bank account information until 3 days later, and entered the PAYPAL account to find that the money was still in the PAYPAL account and was illegally embezzled {$15.00} by PAYPAL. 

I immediately communicated through the PAYPAL website, but PAYPAL 's customer service found various excuses to refuse to refund my payment and part of the misappropriated money. When I pointed out that the reason for the misappropriation of the customers money and non-refundable was unfounded, the customer service said that the manager XXXX would reply to me. I gave 5 days to process it. XXXX only replied after 3 days that she would refund me {$15.00}, but still Refusal to refund to my original bank account. 

After I insisted that I had to refund {$520.00} to my original bank account, and told her that I needed to use this money to pay for the living expenses of my family, XXXX ignored my request and did not refund the illegally embezzled {$15.00}. 

As an international company, PayPal takes advantage of XXXX peoples inability to speak out through international social media, and it is shameful to use this blatant illegal and criminal behavior to infringe on the interests of XXXX users. It also disobeys the United States values of integrity. I hope you can help me. To preside over justice and severely punish PayPal, I will also request public support through social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/2021 I closed on a house with XXXX XXXX. On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX sent me a letter regarding the transferring of my loan to PHH Mortgage Services. PHH Mortgage sent me 1solitary coupon for the 1st payment which I received on XX/XX/2021. On XX/XX/2021 I wrote out a check in the amount of {$880.00}, the amount stipulated, dated for the XXXX of XXXX, when my first payment was due, and I sent it out to PHH Mortgage along with the 1 coupon I was given. By XX/XX/2021 I began calling PHH Mortgage Services to inquire if they had received my check. They refused to answer my question. They would respond by saying, I should go on-line to pay. It wasn't until XX/XX/2021 when I received a letter from PHH Mortgage Services telling me they were sending me the copy of my check because they had 'destroyed ' the original. The reason given was they don't accept post dated checks. I tried reasoning with them on the phone and their response was that I should go online. So feeling defeated, I tried going online. However, before allowing me to pay online at XXXX, I had to check off their agreement terms and conditions box. After reading the lengthy stipulations, especially the one having to do with my taxes, I decided I would not be agreeing to their terms for online service. So, because of that I can't pay online. So if I can't pay my mortgage by mail because they refuse to provide me with coupons, and I can't pay online because I don't agree to their terms and conditions, then chances are I will never be able to pay my mortgage and in my opinion, that is exactly what they are waiting for. Please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MI

Complaint narrative:
I have sent in a letter in the middle of XXXX addressing the problems with my credit report and they were not all addressed. I am devastated that they have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. They are violating many of my rights and are civilly liable. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Although they did not supply the contract like I asked, in response, they have sent back documents stating factual evidence to support their assertion ( a violation of 15 USC 1681 ( a ) ( 3 ) ( e ) ) and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on their behalf and should remove these items immediately. They have also failed to recognize that only I, the original creditor, can verify. Please act upon this matter and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This complaint is an offshoot of my previous complaint to the CFPB ( Complain Number : XXXX ). Today, XX/XX/21, I received a letter from CITI, dated XX/XX/21, asking for me to " provide '' to CITI " with copies of complete bank statements from the date of payment cleared through the most recent payment statement, '' in order to resolve the case of FRAUD, THEFT perpetrated by CITI against me. I sent all the documents to CITI back in XX/XX/21 via USPS Certified Mail ( USPS Tracking # : XXXX ) ; when CITI told me it needed the same documents it's asking from me now. And CITI, according to USPS records, received these documents on XX/XX/21. CITI just stonewalled, when I sent it the documents the last time. And it's trying to do the same thing again, when it conducted its sham, fraudulent, biased " investigation. '' My bank, XXXX XXXX XXXX ( XXXX ) already conducted and concluded its thorough, unbiased, forensic, intensive investigation into the CITI case and found in my favor that CITI did engage in FRAUD and THEFT. And XXXX told me that since it found in my favor I don't have to pay CITI anything. CITI knows all this since I sent it my Written Error Billing Notice ( WEBN ) along with my Complaint against Citi to XXXX and XXXX XXXX conclusion from its intensive investigation as I mentioned earlier. I sent CITI my WEBN, dated XX/XX/21, via USPS Certified Mail, Tracking # : XXXX. And according to USPS Tracking records, CITI received my WEBN letter on XX/XX/21. I'm sending this complaint because CITI is just delaying, stonewalling, and sending me busy work for its sham, fraudulent, biased, XXXX, XXXX " investigation. '' I need CFPB 's help in stopping CITI 's corrupt, egregious, unlawful activities against me by sending this case to the proper federal authorities who will enforce U.S. laws, if CFPB is powerless to do anything. CITI is filled with a bunch of crooks and liars!

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 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Nicholas Financial Inc.
State: IL

Complaint narrative:
I believe Nicholas Financial has shared my personal information with XXXX XXXX XXXX After I got purchased the car from Nicholas I was immediately contacted by XXXX. 

In addition I am being charged for insurance with a percentage rate on the insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TX

Complaint narrative:
ON XX/XX/2021 I XXXX XXXX PULLED MY CREDIT REPORT AFTER CHECKING MY MAILBOX ABOUT OTHER UNKNOWN STUFF THAT CAME IN FROM A PREVIOUS DAY AND NOTICE THAT CAPITAL ONE RAN MY CREDIT WITHOUT MY PERMISSION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHY ARE THESES GUYS RUNNING MY CREDIT REPORT SO OFTEN?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express recently updated the annual fee for it's Platinum Card and added multiple new benefits, including a $ XXXXmonth statement credit for purchases on certain streaming services ( including XXXX ). My annual fee for XXXX was charged to my Card on XX/XX/XXXX. I did not receive my statement credit for my XXXX charge in XXXX, because apparently you have to complete a one-time enrollment for this $ XXXXmonth statement credit, that I was not made aware of by Amex. The advertising I saw never had any mention of enrollment and you certainly don't have to enroll in the new higher annual fee. I did notice it myself on XX/XX/XXXX, and enrolled, and it was mentioned in my XXXX statement ( dated XX/XX/XXXX XXXX, but I received no notice prior to XX/XX/XXXX or making the charge. This enrollment is definitely not necessary and serves no purpose other than to prevent consumers for accessing this benefit to prevent having to actually pay out a new benefit. Failing to communicate it to consumers on top of that is clearly a deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a XXXX point drop in my credit score but nothing in my report has changed. It seems that to fix it Experian wants me to buy there products.

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 2021-08-08 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: IL

Complaint narrative:
I believe XXXX XXXX along with Experian, XXXX XXXX and XXXX has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by 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 2021-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc
State: MO

Complaint narrative:
I

was contacted by a company called H & R Accounts at my place of employment, regarding a medical bill. About one month later I received a letter of validation on XX/XX/21 including a detailed statement of medical procedures ( which did not release to them or any other entity ). I believe that is a HIPPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: AmeriCollect
State: WI

Complaint narrative:
I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with americollect. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: IL

Complaint narrative:
I believe XXXX XXXX along with XXXX, Trans Union and XXXX has shared my personal information with XXXX XXXX XXXX. After I purchased the car from XXXX XXXX I was immediately contacted by 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 2021-08-08 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: IL

Complaint narrative:
I believe XXXX XXXX along with XXXX, XXXX XXXX and Equifax has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. Thank you.

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 2021-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account listed as XXXX XXXX was paid for deletion on my credit. The account was paid back in XXXX XXXX XXXX insists that they sent a request for deletion to ALL three major credit bureaus on XX/XX/2021 however, it still appears on my Equifax report . I am at the closing stage of purchasing a home and this will prevent me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased a vehicle through XXXX XXXX under the finance company of JP Morgan Chase Bank and when I went to XXXX XXXX to start auto payments I was redirected to Chase Bank to set up the account. I set up a password and user ID. Now, I have been locked out of the account and am unable to view any withdrawals. I have tried to contact Chase Bank with no response. When I try to change my password I am told that my account is not valid. I have talked with general management with XXXX XXXX and am told that there is nothing they can do, I have to talk to chase. Chase is withdrawing money from my account but it is not being applied to my car note.

Company response to consumer: Closed with explanation