vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
XX/XX/2022 contacted chime to report XXXX XXXX chime card was stolen. XXXX is detained. XXXX filled out POA for finance so XXXX XXXX could resolve stolen chime card issue. On XX/XX/XXXX XXXX XXXX contacted Chime on Behalf of XXXX XXXX. XXXX XXXX provided proof of POA for finance. Requested account be frozen. Chime Requested photos of XXXX XXXX and XXXX XXXX to prove that he is POA for finance. XXXX from Chime member services replied. We have copies of email and copies of documents sent to Chimes fraud department. Thursday XX/XX/XXXX XXXX sent Email to fraud department because he had been trying to freeze account since XX/XX/XXXX when it was discovered that someone stole XXXX 's Chime card. XXXX emailedthem regarding {$3600.00} was stolen since we attempted to report the chime card was stolen..XXXX thanks XXXX via email and stated they would follow up. XX/XX/XXXX once again XXXX emailed to provide proof of POA for financial per request of chime. XX/XX/XXXX XXXXXXXX from chime Requested photos of XXXX XXXX and XXXX XXXX and copies of POA. Copies of POA and photos submitted. XX/XX/2022 XXXX member services specialist thanks XXXX and stated that they would review the documents. XXXX XX/XX/2022 XXXX contacted XXXX. He is from the chime escalation team. We want XXXX 's XXXX $ returned. We want a statement of charges to give to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I received a letter in the mail from Collection Bureau of America dated XX/XX/2022. The letter was invoicing for a debt from XXXX XXXX XXXX, a service I have never engaged nor of which I have even heard. 

The letter is addressed to a differently spelled name and references a service address to a city in a state where I don't live and have never visited. 

The Collection Bureau of America has been unable to provide any verification. Further, when calling the original service, they acknowledged that there is no phone number, name, address or other evidence associating this to me. 

The Collection Bureau of America should get paid, by the correct debtor ; that person is not me. There is nothing that would tie this to me, yet I am impacted due to their faulty business practices. 

The address on service from the original purchase is owned by an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, that would be the ideal contact to start in order to find the debtor whom engaged this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I applied for a loan for a car on XX/XX/2020 with XXXX XXXX XXXX, who in turn used Exeter Finance LLC as its assignee to finance the loan. Upon discovery that there was no cash or payment to be owed on my current contract ( as stated on Pg. 4 section 2c bullet points 4 & 5 ) with Exeter Finance LLC they have since denied me my right to cancel the current contract with them for a misleading contract that they are the assignee of, charged off the vehicle, reported the charge off to the credit reporting agencies, attempted to repossess the vehicle, had a private investigator follow me, and denied return of my credits, payments, & title of the vehicle. While calling my allegations fraudulent and ordering me to cease and desist from contacting them about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My wife dies after a horrible XXXX  XXXX  XXXX. 
We had a card on the account for my daughter that expired. Long story on how we had problems with the postal mail while we were in XXXX TX fighting XXXX but my daughter never got her card. Capital One was VERY familiar with our battle- it was our primary and almost only credit card. When I called to get a replacement card for my daughter - only a couple days after loosing my poor wife- I informed them my poor wife had died and I would need help getting the account moved to my name only- I was immediately transferred to some department that handles this and they cancelled our account and the card and login was immediately useless. 
Listen to the call - I was devastated that my primary credit card was being cancelled in the middle of what was going on in my life. They were heartless and offered no help. 
In the ensuing weeks I have had to deal with MANY financial institutions ( e.g. banks, retirement plans, insurance, etc. ). and they have all been very sympathetic and helpful. 
I sent a letter to capital one to complain and of course have no response. 
I have received a bill from capital one saying its past due - seriously? I need a report of all the charges that have been charged under this account for the 2022 year for taxes but calling customer support only gets people whom can not find the account and then hang up on you. Again, listen to the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has reported on my removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have reached out to all the above and has file a complaint with CFPB and they all reached out to me ststaing they have no knowledge of what and why Trans Union reporting Inquires in their name on my report when they do not didnt not request credit from me nor has proof i did once i told them i was in a coma for 2.5 months and couldn't talk nor write and has proof from my doctor it wasnt me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX  # 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 I have sent multiple letters and emails ; also called XXXX XXXX and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am customer of capital credit card. CapitalOne restricted my account. Online account app is showing " This Card account is currently restricted '', while I still have balance on the card. 

However, I made calls to capital1 via their customer care number. I was made aware that my account has been closed on the XXXX of XXXX, due to " one-time '' return payment on my credit card account. With that said, i received additional interest charges on my card on the account on the XXXX of XXXX. On the XXXX of XXXX, I received another email saying my monthly payment will be coming up in the month of XXXX with additional extra charges, while capital claim that my account has been closed. 

Finally, I asked capital to closed my account accordinly for me to arranged a payment-plan base on the current balance on the account without attracting any additional charges nor interest charges. This is logical and I believe it falls within the financial regulation of " FDCI '' and " OOC ''. CapitalOne made it known to me that, they can't honor it. I should keep paying for additional interest rate that will be posted on the account, even though the account had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I paid off my loan in full on XX/XX/14. The company then continued to remove funds from my bank ( ~ {$320.00} ) after I had received notice that I had paid off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence. And Tracking number #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I only use XXXX for the convenience of my clients to pay me. 

On XX/XX/2022, I noticed 2 unauthorized, fraudulent transactions on my XXXX XXXX screen, along with several names on my XXXX page of people that I do not recognize as contacts : On XX/XX/2022 there was a XXXX unauthorized money transfer out of my Wells Fargo checking account, that is linked to XXXX, of {$65.00} ( case # XXXX ). 
On XX/XX/2022 there was another XXXX unauthorized transaction out of my Wells Fargo checking account, that is linked to XXXX, of {$600.00} ( case # XXXX ) On XX/XX/2022 upon noticing these 2 unauthorized, fraudulent transfers, I filed an online complaint thru Wells Fargo. 

On XX/XX/2022, without anyone contacting me to gather any information about these transactions, they told me today that the {$600.00} XXXX transfer was DENIED by Wells Fargo after their investigation. 

I've been reading that there are several complaints against XXXX for this and other type of illegal transfers with the same resolution : denied. 

Since Wells Fargo is not willing to assist me further with these illegal transfers, I'm filing a complaint here to see if further assistance could be rendered or to at least, make this known.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: World Omni Financial Corp.
State: FL

Complaint narrative:
XX/XX/2022. Received a hand delivered letter that vehicle was past due. I immediately paid the bill over the phone in the amount of {$1400.00}. Account was up to date. 
XX/XX/2022. Vehicle was taken from residence. immediately contacted South East Toyota Finance and was told it was repoed in error. There was no due balance on vehicle. Had to take off work and drive 60 miles to recover vehicle. Was told it would not go on credit due to " unintended '' repossession. 
XX/XX/2022. Spoke with customer service rep ( XXXX ) and manager, was assured it would not go on credit. 
XX/XX/2022. Received first letter saying my vehicle was being sold at auction ( it was in my driveway ) XX/XX/2022. Showed up on credit. Spoke with customer rep ( XXXX ) and said it was reported in error and that it would be taken off. 
XX/XX/2022. Tried to make payment online and by phone. Account is showing closed. Called and spoke with ( XXXX and XXXX XXXX. was told they would send email to have it fixed. 
XX/XX/2022. Account still closed and can not make payment by phone or online, spoke with customer rep ( XXXX ) XXXXReceived letter that my vehicle was being sold in auction, the vehicle was in my driveway. Was told I received letter in error. 
XX/XX/2022. Can not make payment by phone or online. Spoke with customer service ( XXXX ). Was told I could use XXXX. I paid {$700.00} through XXXX. 
XX/XX/2022. Can not make payment on phone or online. Spoke with customer service ( XXXX ). XXXX was received but would be put in an escrow account because account was closed, she would send email to manager. 
XX/XX/2022. Account still closed. Vehicle is showing repoed. Can not make payment by phone or online. 
XX/XX/2022. Credit report still showing repoed remarks with missed payment. I had a XXXX credit score. 
My credit is horrible now. I just want to make payments and know they are going to my account. I took care of the missed payment within the hour of being notified, over two months later, and the only response I can get is " ill send an email to manager ''. Meanwhile nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
I have a debt for from XXXX XXXX, I set an arrangement with the XXXX, and make two payments, the third payment i failed dues to financial hardship. they send me to collections the collections agency send me a letter and i call to make an arrangement, they told me that they would hit my credit even if i make a payment, then they told me that i need to pay {$4000.00} on the phone i offer to make an arrangement of $ 100 monthly they refuse to do that they told me that i can pay {$630.00} over the phone and {$350.00} per month then the agent transfer me to a very rude and aggressive person that did not respect me or either allow me to talk. 
I'm able to make {$150.00} payments per month to clear this debts, right now the economy is hard and that is the maximum that i can pay. I can revisit this to see if in the future i can pay more. 
the lady over the phone just hang up on me leaving me with out any options

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NY

Complaint narrative:
XXXX  XXXX acct # XXXX remove these remarks from the account. 

XXXX XXXX XXXX  Acct. # XXXX Remove all remarks from the account remove the late, this account is closed XXXX XXXX Acct XXXX XXXX I'm still in possession of the vehicle, still making payments on the vehicle as of today. Remove all late and repo status 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 2022-10-17 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2022, a customer representative from JetBlue Credit Card XXXX XXXX Barclays ) called to ask me if I had made seven purchases of a portable stereo CD player from XXXX. I stated no so the rep. said not to worry because the fraudulent transactions would be reversed and I would not be charged. I received a letter from Barclays dated XX/XX/2022 that stated I am not responsible for the fraudulent activity. I later received letters from Barclays dated XX/XX/2022 and XX/XX/2022 stating that I am now responsible for the charges of {$1300.00}. I disputed the outcome and still have not been credited for the fraudulent purchases. 

I spoke to a representative that stated the tracking number associated with the seven portable stereos shows delivery to my address. I later went directly to the post office to get details on the usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This tracking number does show delivery to my address, however, the weight of the package was only XXXX ounces and postage was {$3.00}. Obviously, the weight and cost does not equate to shipping one portable stereo let alone seven. I do recall receiving an empty envelope with no return address and a delivery confirmation number in early XXXX. I thought the empty letter was odd but did not keep it since there was nothing suspicious going on at that time. This is shown in the submitted documentation along with the police report that I filed. 

For some reason, Barclays is still insisting that the tracking number is proof of my receiving the seven portable stereos. I asked a customer service rep. from Barclays to let me speak to a manager and was told none are available and that I would receive a call within a couple of days. It's been several weeks since that call and I still have not heard from a manager at Barclays while I keep getting credit card statements showing interest and penalties accruing on the fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violate my rights under the 15 US C 1681 section 602 states i have the right to privacy. 15 US C 1681section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions only 15 US C 1666b creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi credit has failed on multiple occasions to report my financials to the credit bureau. This is adversely affecting my ratings. According to Citi 's policy, a report should be made on the XXXX of every month or at least at the end of my billing cycle which is the XXXX of every month. On XX/XX/XXXX, I called citi to advise that my credit needed to be reported as soon as possible as I am working on a time sensitive issue. 

After seeing no changes, I called Citi on the XXXX to see if I had misunderstood anything in their policy. I was told that a report would be made by midnight. On the XXXX, after seeing no changes, I made a call to citi again on this matter. I do not believe I received a coherent explanation. 

It is XX/XX/XXXX, and my XXXX report from Citi is still reflecting an outdated report of XX/XX/XXXX. XXXX has told that they have not received anything from Citi. 

In these rapidly changing financial times were time is of the essence, I plead that credit institutions should be accountable for either their dereliction of duties or complacency. 

I hope that CFPB can do something about this.

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