vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX XX/XX/2022 I filed a dispute for the amount of {$1800.00} for a fraudulent website posing as XXXX. Chimes investigation found that no billing error was occurred. I filed a rebuttal as well as submitted evidence of said billing error. After the rebuttal was filed, I received a notice that all of my accounts would be closed on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I inquired on what my ending balance was, as it appears that a chargeback was done on the dispute from XXXX XX/XX/XXXX for {$1800.00}, and when I would expect the check. I called the XXXX number Chime provided and then emailed after the XXXX number wouldnt answer my questions. The response I received on XXXX XX/XX/XXXX said that they would not answer any questions as my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is the only credit bureau that gives us consumers issues with removing inaccurate information. Ive been dealing with this for several months now. Experian keeps reporting inaccurate addresses and stating the address is associated with an open account, I have NO open accounts and all my creditors have my current address. Ive sent in several request stating to PLEASE REMOVE ALL THE OTHER ADDRESS OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE UNITED STATES POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE 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 explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One sent me an offer on a credit card on the premise that I spend {$500.00} in XXXX days I will get {$200.00} in return. After the XXXX days I had completed the terms I called because I hadn't received the {$200.00} bonus as promised the representative said I didn't qualify for the promotion. I asked her what was the reason. Give me an example of what happened was my XXXX XXXX too low did I not spend the money Etc. Her answer to me was she didn't know why she couldn't give me the reason the exact reason. So the representative put me in touch with a XXXX  I assume. I receive an email couple days later stating it had been resolved and I didn't qualify. Still no exact reason. This is the second time this bait and switch. Credit card promotion that Capital One has fooled me with before. I took out a credit card before this one that I'm complaining about and it had the same features on it spend the money get the bonus. Well lo and behold I didn't get that bonus either. So I feel as if they just wanted me to get that card so that they could get me to take out another credit card on false pretense of a cash bonus they have no intention of paying. I would like to know specifically why I didn't qualify for the offer that they themselves solicited me for. They sent me the offer I didn't go to them. My XXXX XXXX is over XXXX I can have any credit card I want the only reason why I wanted this Capital card was for the bonus reward of {$200.00} that they didn't give me and they have no excuses or reasons why it wasn't given to me. This is a big corporate bait and switch offer that is tricking people every day. I read the terms and service on the offer they sent. because they didn't give me the {$200.00} on the first credit card. So this time I wanted to make sure that I would receive the money if I went through and spent the {$500.00} in the XXXX  days. This is unacceptable that credit card companies like this get away with cheating people. I thank you for your help I just want to call these people out on it and if you can find out the reason. I would love to know! thank you guys so much I appreciate you and all you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Entrata Inc.
State: CA

Complaint narrative:
I went on the XX/XX/22 to apply for an aparment I ask for the requirements for that and I got told the they run the credit and we need to make 3 time of rent to get the place Okay on XX/XX/22 we did the application but I call the person and I told them clearly that my incomes was high but my credit low and if that its still not qualified for that the lady told me thats fine how many people is apply i told her 3 but 2 of them didnt make enough money and the 3 person who is my mom shes not income but good credit she told me well thats okay you can qualify I need you to pay XXXX dls fee plus XXXX dls for deposit and hold the place ntill we do all the process after one week no call on XX/XX/22 we call they said yeah you can get the place today I just need some information we wait on XX/XX/22 at XXXX am they call me to tell me the they didnt run my credit and the we got denied when they told us were going to get the place and when i call they told me first the it was one of my roomates credit the they were to call to see because an fraud alert and at XXXX the same day i call and they told was because of my credit but my credit was frozen thats why they got that alert now we didnt get the place and we losse the money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Today XX/XX/XXXX I received a call at my place of employment from someone who didnt share their name yet asked for mine. Seeing that we are a business I didnt seem to mind it and told her who I was. It was at this point the lady responded by saying, oh Im calling to verify employment for a XXXX XXXX in which I immediately said no we do not have anyone with this last name. She then responded back saying okay thank you and hung up without acknowledgment of who or where she was calling from. It was at this point I decided to verify the number she called From and came to realize it was a company called Midwest acceptance who I had financed a vehicle through back in XXXX, so I decided to Call them back and ask if the call was for me and not a XXXX XXXX. The lady then said for me to hold and put me through to another gentleman who was very unprofessional confirming that I was the reason for the call and almost immediately threatening garnishments. Now in the prior years I disputed these charges due feeling that I was lied to by the dealership and Midwest because of a car accident that i was not at fault for but left with a balance and no car due to not being provided or offered gap. Midwest and the dealership knew that this was my first time financing a vehicle and argued with me stating that the reason I was not offered gap was because I would not have been approved for the vehicle if gap was added. After one year of fighting I decided to go to this dealership and came to find they had closed their doors for good leaving me once again in the dark. Fast forwarding to XXXX while checking my credit report I had seen that their had been 2-3 collecting agencies assigned at different periods to collect this debt but without communicating was showing closed and written off as a loss which then made me believe that I was now going to be left alone as the damage to my credit had already been done. As for today not only was I lied to about who was calling and who they where looking for but was immediately intimidated with threats to garnish if I did not make a payment. I then explained everything about my discrepancies and that I had seen multiple debt collectors assigned but that this had gone away and written as a loss but was told that Midwest has never reassigned and that I was a lying. This then printed me to request my original signed documents so that I could dispute this once again but before getting off the call was told that I needed to make a payment or expect garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.

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 2022-08-12 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-12 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
After XXXX XXXX, I took out a loan from the XXXX. Due to economic reasons I could not start with the payments and they sent the account to a collection agency. At that time, we made a payment plan of {$120.00} per month, which was being debited from my account with no problem. In XXXX of this year I received a call stating that I had to pay the full amount and that if I didn't pay my wages would be garnished. Also that the agreement they had reached was a mistake, because it should have been for more money. I was surprised what happened. I had to ask a family member to lend me {$4400.00} to make a payment. Still, they want you to keep paying {$700.00} per month for 36 months. I've been trying to work out a lower payment deal and they don't want to help me. I need your help, I do not refuse to pay, but to establish a reasonable payment that I can meet. The collection company is Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX, Acct # XXXX XXXX XXXXr, Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX - XXXX, Acct # XXXX XXXX  - XXXX, Acct # XXXX XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that the consumer reporting agency can not furnish an account without my written permission.

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 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to LAW " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guarantor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of identity theft and financial fraud. Starting on XX/XX/XXXX, through as recently as XX/XX/XXXX, I have been defrauded of {$19000.00} through my Bank of America XXXX XXXX XXXX account. 

The very first sign of fraudulent activity on my BoA account was an email I received at XXXX pm XXXX, XX/XX/XXXX from BoA, Bank of America XXXX XXXX XXXX- Card Added to Another Account stating, The card ending in XXXX that is associated to your account was recently added to another account I have never added my BoA card added to another account. I was unaware this was even an option. 
I have, since my BoA XXXX XXXX XXXX account was opened in XX/XX/XXXX, had no other accounts with any banking institution. 

XX/XX/XXXX I phoned BoA XXXX XXXX XXXX at XXXX pm XXXX, to ask about the XX/XX/XXXX email and the security of my account. BoA advised me to treat the XX/XX/XXXX email as fraudulent, to forward the email to XXXX, that BoA had not sent me the email I received on XX/XX/XXXX, at XXXX pm PST. I was further advised that my account was secure. 

This constitutes a major error on BoA 's behalf, as the XX/XX/XXXX email was in fact the legitimate result of the XXXX XXXX, someone other than myself, fraudulently accessing my BoA account and adding a fraudulent transfer account ending in XXXX, routing XXXX to my profile, to which they would fraudulently transfer {$3000.00} via a XXXX XXXX XXXX XXXX later that same day, XX/XX/XXXX. This began the subsequent XXXX week run of {$19000.00} in theft from my account. 

This recently uncovered detail, can be confirmed by BoA 's call logs and notes to my account regarding our interactions. 

I currently have an open claim with BoA for the most recent {$8000.00} in theft of my funds. However, I am lawfully due a full refund for everything that has been stolen from my BoA account. Every single transaction relating to the {$19000.00} in question was verifiably fraudulent. I did not authorize, nor was I involved in any of these transactions. 

These new details regarding my very first interaction with BoA regarding this fraud on XX/XX/XXXX, need to be taken into very serious consideration while investigating all of my claims. BoA 's response to my inquiry on XX/XX/XXXX was, at the very least, extremely bad advice. To me and the detective working my case ( XXXX ) with the XXXX XXXX Police Department, XXXX XXXX XXXX Detective XXXX XXXX, what BoA told me on XX/XX/XXXX, sounds more like misinformation, or potentially, fraudulent 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 monetary relief
Consumer complaint received 2022-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed a medical collection negative account on my credit report. I wrote validation letters to the collection agency and the two credit bureaus that posted the negative items. The collection agency responded, but did not provide any validation info. One bureau removed the negative item after my letter dated XX/XX/2022. ( XXXX ) The other bureau did not. ( Equifax ) The account in question is listed below : COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX. {$300.00} STATUS DATE : XX/XX/2022 A second letter dated XX/XX/2022 to XXXX and Equifax to resolve this issue have not been answered. I appeal to you that if XXXX can not validate this alleged debt, then Equiax remove it immediately from my credit report. Thank you. 

best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX XXXX XXXX inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my medical treatment. I am enclosing their submitted validation document which is incomplete and in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I asked to the credit report bureau verify the information in my credit report about the improper information with 4 accounts. 
In according with the fair credit reporting act XXXX  4 accounts has violated my rights XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 non-monetary relief