vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was working on my laptop and smartphone Friday XX/XX/XXXX my mouse on the screen started moving and clicking on my bank app took my phone the dozens of emails and texts what thought was from the bank ended up being a fraud/scammer changing access at XXXX point deleting the app still getting texts emails then it just stopped and it took an hour to gain access to my account when I did everything was changed I had to request new passwords and only to see that my {$2000.00} in a locked savings account was sent thru the app to a person I have never heard of I sent every piece of documentation to the bank they are not returning my money its all I had in the world these people of scammers have still been attempting to charge purchases to my account at large and small amounts they claim they blocked the habitual XXXX but XXXX still getting the alerts I went to the police filed a report then the fbi XXXX XXXX unit and submitted a IC3 report and still the bank will not return the stolen money the attempt charges are still coming between texts and emails its day 6 with no resolution to me I know the girls name on the account that my money was moved to XXXX XXXX and XXXX looks like she has a chime account as well she and whoever else involved locked me out of everything took all the money I had in the world and claim No Error XXXX so mad and upset XXXX a XXXX yr old woman disable paramedic on XXXX I worked a summer job 7 days a week to make money so I wouldnt get evicted I was in court with a lawyer from XXXX till XXXX caught up they dismissed my eviction yesterday XX/XX/XXXX and I had {$2000.00} saved to add to my XXXX check to pay rent the bank is the problem and dont see the problem I thought I was having a XXXX last night my head was pounding and bloody nose as soon as this morning another email trying to get {$290.00} I have no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one auto finances said that I was late 3 days on my auto loan last year however instead of added a late payment the next month or the current month of the so called late payment the company waited till XXXX of this year to add it on to my loan. I asked them to remove it and said they are not allowed to just add a late payment fee when they would like to and I was on the phone with a manager who acted like he did not understand English. I said it very plainly that you are not allowed to add a fee when you feel like it and that it needed to be removed but they have had more than enough time to remove it but they still have not remove the fee. This is not correct. I even went as far as asking if my account is on auto pay how did I even end up with the fee and he could not communicate that effectively as well. So since the manager acted like he did not understand what I was saying I simply asked for the late fee to be returned and he said he would have someone reached out to me and that was in XXXX of XXXX  and no one has contacted me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal CREDIT aka Synchrony Bank to get a credit balance refund of {$17.00} mailed to my home address and close my cc account. The only way to get in touch with anyone at either of these companies is via " Live Chat '' on my phone so I got in touch with customer service representative XXXX XXXX who asked why I wanted to close my PayPal CREDIT/Synchrony Bank CC account and I said its because PayPal/Synchrony Bank flatly refused to lower my CC interest rate when I was struggling financially. He told me he would help me and asked what my mailing address was so " they could send me a check '' for the credit balance refund. I texted him my mailing address and he did not respond. After a few minutes I asked if he was still there and the app kicked me out. I was able to get back in and the app said I needed to contact Synchrony Bank. This is a bait and switch and these financial companies do this on purpose to make it difficult for consumers to close their accounts so the financial companies can continue to charge usurious interest against Americans many of whom are struggling financially to pay their household bills. I demand that PayPal CREDIT/Synchrony Bank ( or whoever they call themselves now ) mail me the credit balance of {$17.00} and close my credit card account immediately. In addition, they need to make sure my account shows as closed " Upon consumer 's request '' or something similar on my credit reports. This/these companies should not be allowed to continue to do business in the state of Arizona until they figure out how to communicate and help their customers that they are charging exorbitant rates and fees to.

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 2023-10-26 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: IL

Complaint narrative:
I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/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 2023-10-26 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo- opened the account in XXXX. Used it for the first time on XX/XX/XXXX. My sister sent me XXXX and they didn't let me transfer my money. Better yet they didn't even refund her money back. I committed no crime. Nor did I violate anything and they haven't even given me a reason to deactivate my account and hold my funds 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I still can not access via XXXX phone number to dispute transactions with a live agent. Nor am I able to dispute transactions on their website or my account via their website. I forgot to look further into the dates previous to the week prior to XX/XX/XXXX. In any case, upon looking further, I am filing a dispute regarding transactions for a refund to card ending in XXXX for the following : XX/XX/XXXX - XXXX charge for XXXX XXXX {$370.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$51.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$29.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$3.00} XX/XX/XXXX - XXXX charge for XXXX XXXX XXXX, XXXX {$29.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX EQUIFAX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

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 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC
State: OK

Complaint narrative:
On XXXX, I went into State Finance in XXXX to get a loan. I was approved for {$500.00} and the payoff was around {$750.00} or so. I got into a bind due to court with my ex and other life events happening, but I told them of my circumstances and why I haven't been able to pay. At times I have told them I could pay a portion or half, and they would NOT accept it. They said I could not pay that, that I would have to pay it ALL. 
XXXX, whom I was speaking to, told me she saw on my XXXX  that I had been going to concerts and traveling, so " what am I doing with all of my money? '' and I " should be able to pay ''. Much more came from her, but that was what I was seriously stuck on... 
First off, she is not on my XXXX, so she is quite literally stalking me at this point. 
Secondly, I didn't pay for any of that. I have amazing friends who knew I was going through a rough time and needed a break. 
I asked to speak to her manager and told her that that was extremely unprofessional and to never let her speak to me again. I absolutely refuse to speak to someone who thinks its okay to speak on her assumptions about me and my life when it is supposed to be a professional conversation. The manager said she would " talk to her about it ''.

Well here I am, again being harassed, but this time my co-workers are getting call after call by them. They told a co-worker of mine ( who isn't a manager ) that she needs to speak to HR about garnishing my wages. 

Online payments can be taken at any amount over XXXX XXXX, so I am not sure why they are telling me rudely that they can not accept partial payments. It seems weird that a loan company would deny taking my money. 

I don't believe this is normal for a loan company to be acting this way. Do they normally tell all of your business to random strangers on the phone? 
I have honestly never dealt with a loan company so extremely unprofessional & trashy in my life I am late {$200.00}. All of the harassment, rudeness, and stalking over {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
I have been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.

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 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
A Cashier 's check was presented to us at XXXX XXXX XXXX for a tenant move in. The cashier 's check was dated XXXX for {$1400.00} from Wells Fargo Bank. The tenant later changed their mind and wanted a refund. We refunded her money because she had paid with a cashier 's check. On XXXX Wells Fargo stopped payment on their cashier 's check. 
We contacted Wells Fargo XXXX case number XXXX and they stated this was a matter between us and their customer. 
I understood a cashier 's check is final. Thats why it's used for closings, move ins etc. I did not believe a stop payment could be done on a cashier 's check. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at www.ncaks.com/dispute as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus. 

As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.

Company response to consumer: Closed with explanation