vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2023 Chime financial inc XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Chime Financial Inc, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on XX/XX/2023. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I recently opened up an account on Robinhood. I verified all information to have my accounts approved. Once my spending account was approved I added some money not to much around XXXX. I try to use my card they provided me with and I get a notification telling me my account is restricted and I can't use any of my money. I reach out to customer service to try and solve this problem and they tell me it's nothing they can do and I'll just have to wait. I tried contacting someone higher up in the company but nobody seems able to give me an answer about my account and money. Then they restricted my ability to text there chat support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Bank is still re-ordering transactions to maximize overdraft revenue. Please refund my {$140.00} from last week. Thank you and happy Holidays!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
I purchased a car from CarMax XXXX in XXXX of XXXX. I have faithfully made my payments the entire time I've had my car. This is despite being without employment for 8 months during the pandemic, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at least twice due to complication relative to lifelong medical issues, among other challenges. 

In XXXX, I believe around XXXX, I was about a week or two late on my payment, but made my payment. Since that time, however, Carmax has continued to impose late fees, and count me as " missing a payment. '' They have called me nonstop from a variety of numbers owned by their company. I have called them and let them know I am not delinquent on payments and furthermore, often times pay more than what is due. 

Now, over the past few months, not only have they insisted I am " missing a payment, '' they continue to call several times a day, and have reported to the credit bureau that I am in " default '' on my loan. I am literally living hand to mouth because of XXXX XXXX challenges, and I work very hard to keep up, so I don't appreciate the late fees continuing to be imposed, much less the alleged " default '' being reported on my credit. That to me is downright despicable, especially looking at my payment history from the get-go. I will never EVER purchase a car from Carmax again. I think it's disgusting that a company would willingly set out to destroy a person over ONE late payment, and especially right now in this economic climate. That is very poor business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
HI, I had service with XXXX XXXX XXXX in XXXX and we had provided them our dental insurance and also credit card to charge any outstanding fees. We were charged on our credit card and have proof of it. Now in XX/XX/XXXX, i am surprised to see collection notice from colletor " CBA '' - Collection Bureau of America. I want to report 2 issues, 1. We dont owe any money to XXXX XXXX XXXX and the collection is wrongful. 
XXXX. I didnt have any communication with debt collector since XXXX, not a single phone call where we had 2-way communication. I am not sure one of the spam phone numbers was their. I dont have any electronic communication nor via mail. 
XXXX. I havent been provided any proof of outstanding debt. 

My credit history is now taken a hit and i would like to sue the company for doing it wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have reached out to Equifax several times between XXXX and now. I can access my credit report directly from their website, but I can't pull it using any of the third party sites. There is no freeze on my report. When I call, no seems to know what the issue is. I am in the process of preparing for homeownership and the inability to pull this file is causing an insurmountable amount of time and stress. I need someone to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I was seeking to buy XXXX XXXX tickets as a gift. Went on line to XXXX to buy the tickets. Once the information was uploaded I get this thank you for your purchase. I immediately noticed an extra {$450.00} service fee. I contacted the company on their website and submitted they remove that charge since I did not agree. An email stating that was the typical service charge. I. Said I am not going to pay that charge since all the work was done on line with no human was involved. I immediately contacted USAA to dispute the charge when it comes in. USAA disregarded my request and pay them. Again I explained in a phone call that 1 ) I requested cancelation 2 ) Requested USAA dispute the fraudulent charge and reverse the charge. USAA paid XXXX and withdrew over {$2000.00}. Leaving my bank card in the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: GA

Complaint narrative:
First Progress Card is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. Please remove this account from my credit report as soon as possible.

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 2023-12-24 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun loan company is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and severe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and severe 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 2023-12-24 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: PRONTO FINANCE INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The contact person is XXXX XXXX XXXX, and XXXX XXXX. 
My home went into foreclosure, The amount of approximately XXXX was paid. I have performed to the contract. I also have personal knowledge of the transaction. I requested a cancelled check, or any documentation verifying, that the amount contained on the promissory note, etc. was withdrawn from the bank 's reserves, and not, I repeat and not given to us, my wife and I as a loan that was generated by us through our signatures. I request a sworn affidavit under the penalty of perjury, of the facts. the wet signature of the original promissory note. The claim presented to the insurance companies and the satisfaction paid to the mortgage company when the foreclosure was filed. We also request a sworn affidavit of the movement of the promissory note, ( security ) who sold it, who it was sold to, and the proceeds generated. Also, why have not my wife received any proceeds, as we are a third party investor. Is it not our promissory note? I request copies of the 1099A,1099C 1096, IRS forms , and the 1066. I requested the XXXX reports, to verify, that asset backed securities 2006-1 is not contraband. That it was actually entered in the trust. A sworn affidavit, that we sat down, had a meeting of the minds, agreed on the terms of us " funding this ourselves and paying the alleged mortgage company for a loan that never was. If this can not be agreed upon in the requested sworn affidavits, on the market deliberately held from us as 3rd party investors. I also sent a security to the Trustee indenture, XXXX XXXX that was kept, XXXX XXXX XXXX, the securities in the form of presentments, that were sent to XXXX XXXX, that have yet to be returned. No instruments were credited to the account. I demand you investigate them for fraud, XXXX, Money laundering, unjust enrichment, financial conspiracy. They know exactly what they are doing. They have declined every form of discharge, even though just like all mortgages, satisfied at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: PA

Complaint narrative:
On XX/XX/XXXX. I mailed my FTC report and my license to Experian, XXXX, and XXXX. I will be filing a civil suit about fraudulent information reporting on my consumer reports.

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 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, I would like to inform the proceedings of XXXX pay account. Today, I received an email to verify the payment method, which had the data of old closed credit card. This credit card was used to charge {$10.00} as a monthly payment for XXXX XXXX, every month. I have checked the payments profile and decided to dispute a content of it. It states the address is XXXXXXXX XXXX XXXXXXXX, United States. However, I have never resided in this town, but only in XXXX XXXXXXXX XXXX  where I have lived more than 19 years so far. I have checked the site of subscription and found there was no items to pay as the subscription ; therefore, it is difficult to consider I had the subscription of XXXX XXXX, which is under deputation. Regarding the charge of XXXX on XX/XX/2015, I found the business site of this company. And I strongly believe we got the subscription from the latter. Since the membership time to XXXX must have been acquired by my son, probably around in 2015, I am sure he does not play this game for extensive period and am not sure whether he remembers he had the subscription. Since I do not remember the charge on this closed credit card, I am sure I have not paid to this game company XXXX. Therefore, I want to request myself the explanation of situation regarding the charge on to this closed credit cards for, maybe, extensive period from your company, since the charges were made by your company, XXXX. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I made a call to customer service on XXXX XXXX to resolve the issue with how I wasnt able to spend the mobey on the gift card at certain places like the local market or a gas station. They recommended to use the card at more popular locations and that alsos didnt work since I used it at a XXXX and XXXX as well but it didnt go through either. The card is shown as active online and is told active when called up for the balance with the number provided on the back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-24 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: PA

Complaint narrative:
On XX/XX/XXXX. I mailed my FTC report and my license to XXXX, Transunion, and XXXX. I will be filing a civil suit about fraudulent information reporting on my consumer reports.

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 2023-12-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX. I mailed my FTC report and my license to XXXX, XXXX, and Equifax. I will be filing a civil suit about fraudulent information reporting on my consumer reports.

Company response to consumer: Closed with explanation