vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime 's Reference # XXXX On XX/XX/2023, I communicated with six individuals, and the issue remains unresolved. Why? On XX/XX/2023 at XXXX XXXX I transferred {$25.00} to XXXX ( XXXX ) XXXX. According to XXXX XXXX she did NOT receive the {$25.00}. However, she sent me {$1.00} and I returned the {$1.00} ; that account was identified as XXXX XXXX The other account involving the {$25.00} is identified as XXXX XXXX. 
Muliple times I requested proof of the name and telephone number associated with the account where my {$25.00} went. 

Chime does NOT have an option to cancel a transaction nor do the app provide the name and telephone number associated with accounts as other mobile money apps. 

All of my efforts have been fruitless, but I refuse to allow Chime and its associates to deny me the documentation needed to substantiate where my money went. 

Chime refuses to refund my money; and I was informed that the company is legally obligated to provide information regarding this transaction, in an effort to have my money refunded. Please note I will continue to pursue all available resources to receive my {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I XXXX XXXX, natural person and consumer, have an open dispute with GM Financial regarding an unlawful contract based on obvious TILA violations regarding the Finance charge. My account with GM Financial had an account balance of {$0.00} as of XX/XX/2023. On XX/XX/2023 GM Financial illegally tracked my vehicle, breaking my right to privacy, and Stole my Vehicle that I use for personal, family, and household needs. This theft was in retaliation to me enforcing my rights under the Truth In Lending Act. I have a current arbitration case with American Arbitration Association case # XXXX. GM Financial is in breach of contract by not adhering to the Arbitration clause in the contract. They are causing great injury to me and my family. It is my belief that GM Financials Attorney XXXX XXXX has advised them to take unlawful action against a consumer under the color of law. A violation of 18 USC 242.

GM Financial is guilty of tax fraud by reducing their tax liability through the inaccurate calculation and reporting of the Finance Charge associated with the contract in question. The Finance Charge on the contract attached is NOT the sum total of all charges payable as defined 15 USC 1605. They have also received tax credit for a profit loss write off and then unlawfully seized property that was not rightfully theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: CA

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. Has Violated my rights. 

XXXX XXXX / XXXX XXXX / Account Number # XXXX XXXX  XXXX / XXXX XXXX Account Number # XXXX Has Violated my rights. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy federal keep charging me NSF Fees Which is putting me in more financial debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Payday Motors, Inc.
State: KS

Complaint narrative:
I was financing a vehicle that wouldn't get lower in payments I paid over XXXX and was told I got XXXX behind never had a issue till XXXX XXXX XXXX in office at this place the vehicles value is only XXXX in XXXX XXXX XXXX they loaned me for XXXX I feel the truck was way over priced for a unsafe vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with XXXX XXXX XXXX XXXX XXXX regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified XXXX XXXX XXXX XXXX XXXX directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, XXXX XXXX XXXX XXXX XXXX has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that XXXX XXXX XXXX XXXX XXXX conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, TransUnion, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law. 

I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.

Sincerely,

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 2023-09-04 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens pay I just ruined my credit doing a backround check. 

On the XXXX XXXX page there is an option to pay with financing through citizens pay. For this I must apply to a line of credit. I applied and was approved. Now I try to make the purchase and it says that this payment method does not work. I tried talking to XXXX XXXX and citizens pay and neither one knows how that financing works. It's a complete scam!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/23 {$7.00} Cash app card used to make a purchase at XXXX, mobile order. 
I had an offer showing in my card for 5 % off any XXXX purchase. This was an offer that I had previously used two days before and it was still showing in my card as 5 % of and XXXX order. So I thought cool I get XXXX and save 5 %. 
The offer didnt apply. I reached out to cash app to ask why this offer was applying. They said that the offer is a valid offer to be used every 7 days. None of this information was advertised on my already selected offer. I had to make two clicks to drill down on the offer before seeing any sort of terms. 
But it let me select it on my card for use. They could not tell me why I couldnt use this offer if it was valid, ( their claim of it being valid ). I requested definitions and company policys none of which were provided to me or direction given to find such company policys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I applied for a property and was denied. I got the report from XXXX who uses Experian rent bureau. They said I was denied due to my rental history. When I looked at the report I saw an account that does not belong to me and clearly inaccurate. The report show P for paid as agreed for one month which shows as the first month, then every other month is no data. But the report says late payments and NSF payments, but it doesnt show those symbols for any month. This is negatively impacting me. I currently still have on going dispute with Experian and have reported identity theft and they have not taken the correct measures to block and remove items. They did however remove the address from my Experian report but not my Experian rent bureau report, which makes no sense. It does not show on any other report or any other credit bureau except Experian rent bureau. Please remove this immediately.

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 2023-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 my capital one credit card was used to make a purchase in the amount of {$1100.00} at a XXXX XXXX that purchase was not made nor authorized by me, I called and informed my credit card company ( Capital One ) they sent me a letter 5 days later stating that after researching your case we found insufficient evidence of fraud - When I reached back out to them after letter to see how hey came to this decision they told me it couldn't be fraud because I still had my card, and chips can't be fraud, I was upset anger and hurt that I was on the hook for something I didn't do. My nephew was just the victim of fraud as we discussed I explained to him that I too had been a victim a few months ago and that I had been forced to pay it back and the reason he then told me that's not true he then went on XXXX and showed me the blank credit cards with the chips on them that you can buy for very cheap, he then XXXX can cards with chips still be duplicated and they can very easy, however capital one wants to force me to eat the lost instead of them and this is not right I have never been in a XXXX XXXXXXXX in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NY

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I went to XXXX XXXX XXXX XXXXXXXX from XXXX, less than years of education and my debt is {$100000.00}. I went back to college to try and support my son and myself to a better life ; however, I did not know the end result would be so devastating with the accumulation of this amount of debt. This shows up, if I go to borrow money and prevents obtaining the amount I need because of the debt to ratio. I am in a public service position, a police officer, and I am also enrolled in the Public Service Loan Forgiveness ( PSLF ) Payment plan. I believe I have been overcharged in my college education, even though I went back to college late, I do not believe the cost should be this great. I obtained my Associates Degree first, with classes transferring in which I had taken prior to XXXX XXXX XXXX XXXXXXXX, and then I obtained my XXXX XXXX XXXX, both degrees were in XXXX XXXX XXXX. Finding a job in my area with this degree, as great as I thought it was, was difficult. After not being able to get a job, I decided to go to XXXX XXXX XXXX XXXX and I became a XXXX XXXX  and now XXXX XXXX I love what I do and will continue working as a XXXX XXXX, trying to help people and keep the community safe. I would ask you to please review my account with XXXX XXXX XXXX  XXXX and see if there is anything you can do to assist me with this issue. I would like to thank you in advance for your efforts concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was offered credit monitoring by Experian after a credit breach by XXXX XXXX. I signed up for credit monitoring ExperianXXXX. From there, I am unable to process a credit freeze - but must also create a profile with Experian and accept all terms of a " Free Membership '' which are not the same terms as offered with ID theft. This seems like a fraudulent practice.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving reports of personal info on credit incorrect. I sent a certified letter to them of all the updated info and havent received anything. I sent the letters out in XXXX of 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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my capital one credit card for 7 years and recently the account was compromised due to identity theft. when I contacted Capital one they recommended as a security measure blocking online access of the account. 

Every time I contacted capital one the fraudster would call them call back to undo what I did. The individual who stole my Identity was able to have the credit card reissued and I do not know the new account number. As a last security measure I had to close the account to protect myself. 

I reached out to capital one to regain access to the online portal and they several times had me scan my ID and SSN card when they got it back they kept claiming that it is blurry and they can not unlock my online account. when I asked to receive statements they refuse to send them to me and told me that I can pay by phone. I advised them that it is my right to see the statement of charges before I make any payment. 

Yet the creditor refuses to mail statement to my home address that I have lived at for almost 2 years. Meanwhile the account continues to accrue interest and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1957 Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ). 

Account Details and Violations : XXXX ( Account Number : XXXX ) Violation : Reporting an account that doesn't belong to me, which is a violation of FCRA 1681e ( b ). 

XXXX XXXX ( Account Number : XXXX ) Violation : Incorrectly reported payment status, balance, comments, and payment history, which is a violation of FCRA 1681e ( b ).

XXXX XXXX ( Account Number : XXXX ) Violation : Reporting an account with which I have no business relationship, a violation of FCRA 1681e ( b ). 

XXXX  ( Account XXXX : XXXX ) Violation : Discrepancy in verification compared to other bureaus, indicating potential inaccuracy, a violation of FCRA 1681i ( a ).

These inaccuracies on my credit report have significantly affected my life in a myriad of ways. To illustrate the emotional toll, I would like to share a personal story : [ Include a detailed and emotional personal story here. Describe how these credit report inaccuracies have impacted your ability to secure housing, obtain credit, or engage in other critical financial activities. Highlight the emotional distress, frustration, and hardship you have faced as a result. ] In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ).

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ).

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NCB Management Services Inc.
State: SC

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : NCB management service # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: WA

Complaint narrative:
An item was needed to be purchased from XXXX so credit card was used, because money could not be sent by mail. I used my XXXX card to secure the purchase. However the card was paid in full before any due date in fact as soon as the statement came in it was paid in full. I used the banks money because it was safer to do so.

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