vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally file a complaint against American Express for discrepancies and mismanagement of my credit card balance. 

Non-updated Credit Card Balance after a {$1300.00} Dispute : Sometime in XXXX XXXX XXXX, I disputed a transaction amounting to {$1300.00} on my American Express credit card. Despite the dispute process, my credit card balance was not updated or adjusted accordingly. This has caused undue stress and confusion, as my credit statement does not accurately reflect my true outstanding balance. 

Erroneous Addition of {$1000.00} to Credit Card Balance after Dispute Rejection : I disputed another transaction with American Express, and when the resolution was rejected, they added an additional {$1000.00} to my credit card balance. This is perplexing since, to my observation, no initial credit was ever applied to my account during the dispute process. When I inquired about this discrepancy, I was informed by American Express that they had credited the amount initially, though I have closely monitored my account and can affirm that no such credit was made. 

These instances not only show negligence on the part of American Express in maintaining accurate records but also pose a significant inconvenience and financial strain on me. I have made multiple attempts to rectify these issues directly with American Express, but have been met with either inconclusive explanations or lackluster attempts at resolution. 

During the second dispute process, I was wary of American Express 's handling based on my prior experience. As a precaution, I took a photo of my account balance before and after the dispute to have tangible evidence of any changesor lack thereof. Upon resolution of the dispute, I observed that my credit balance remained unchanged, contrary to the expected adjustment. When I contacted their customer support for clarity, they claimed that they had already credited the disputed amount to my account. However, the photos I took serve as proof that no such credit was made, thus highlighting a discrepancy in their claim. 


In light of the above, I kindly request the intervention of the CFPB to investigate these discrepancies and ensure that my credit card balance with American Express is accurate and just. 

I am more than willing to provide any additional documentation or evidence to support my claims, and I earnestly hope for a prompt and favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I seen the company Factual Data Inc had pulled my credit report. I am sure who this company is. I am requesting a copy of report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I woke up this morning ( XX/XX/2023 ) and opened my bank accounts to check my balances like I do every morning. I realized over {$800.00} was missing with no transactions what so ever. I contacted support and they told me since there is no transaction they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: FL

Complaint narrative:
OmegaRMS is reporting a collections account for {$3500.00} on my XXXX  report. I contacted them and they went over settlement options, I however wanted them to validate the debt before I made any payment to them cause I do not believe this was my debt. My wife and I are trying to buy a home and this is adversely affecting my credit. I have yet to receive any form of validation. Again, I am requesting debt validation in the form of a copy of the original application that includes my signature. Full payment history from the original creditor. The original agreement showing they can legally collect the debt. I will also need a copy of the purchase agreement. And finally, I am requesting a copy of your bond that shows you are legally registered in my state. It is unfortunate that debt collectors can do this. I am XXXX XXXX as well and they have no regard to those have served  our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction.

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 and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AL

Complaint narrative:
My account was suspended XX/XX/2023 and they have asked me for pictures of my ID front and back and to provide documents of where I live I have messaged them and told them I do not have an ID that I live in a XXXX home and they refuse to work with me on how to solve this issue they keep sending me the same thing and I have almost {$7000.00} tied up in this account that I'm just trying to get out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
So Ive been banking with RobinHood for about a year now. All of a sudden when I add my XXXX dollars to my robinhood account they immediately froze ( restricted ) my account for no apparent reason. I asked them why, they provided me with no answer at all. They asked me for documentation like ID, Social Security card, selfie picture, and my bank statement. I provided all these documentation but My account is restricted. They are not helping me at all anymore. I am a very poor person and {$490.00} was for my rent and I have nothing left. Robinhood is not helping me at all and I really think they are trying to steal my money. I provided every piece of documentation they asked for but they still have not released my funds. Its been more then a week since my account has been restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avid Acceptance, LLC
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

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 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
AARGON AGENCY is reporting a collection on my credit report that I do not owe to them. I have tried to contact them via phone and ask that they provide me with information regarding this alleged debt that I supposedly owe them. Yet, I have not had any dealings with this company or signed any contract with them. I have not received ANY information from AARGON AGENCY because they will not provide it to me. I am not liable for what they claim that I supposedly owe.

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 2023-08-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Recently I filled a complaint with CFPB against AMERICAN express COMPLAINT XXXX SUBMITTED XXXXXXXX  American express replied to the complaint, however it seems like that they did not read my latter since their response does not address my complaint at all!!!!!!!! 
I will repeat my complaint ; XXXX reported 2 late payments for XX/XX/XXXX  and XX/XX/, however I have attached proof that i did not receive any bill from Amex since i moved to a different apartment back in XX/XX/ and Amex bill is still addressed to my old address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One XXXXXXXX XXXX XXXX, XXXX, CA XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE CAPITAL ONE, ACCOUNT NO. XXXX Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as Capital One. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that Capital One has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dated : XX/XX/XXXX  BARCLAYS BANKDELAWARE XXXX XXXX XXXX XXXX XXXX, DE XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE BARCLAYS BANK DELAWARE , ACCOUNT NO. XXXX. 

Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as BARCLAYS BANKDELAWARE. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that BARCLAYS BANK DELAWARE has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023 requesting documented proof of the credit inquiries listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX requesting documented proof of the credit inquiries listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.

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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to file a formal complaint against Chase Bank for closing all of my accounts without providing an adequate explanation or a fair chance to discuss the disputed transactions, and for discriminating against me based on my XXXX. I have been a customer in good standing for over 2 years, and I feel that the way I've been treated is unacceptable and possibly illegal. 

I have been forthcoming with Chase about my XXXX  condition, a fact which they have on record. I took their advice to dispute certain transactions that seemed unclear to me. Chase informed me that they would reach out for further discussion on these disputed transactions ; however, they failed to do so. Instead, they simply closed all of my accounts, citing " unusual activity '' as the sole reason. 

Closing my accounts has caused significant hardship. Not only has this affected my financial planning, but it has also prevented me from accessing funds, leading to delays in bill payments and causing unnecessary stress. 

I am deeply concerned that I have been discriminated against due to my XXXX, as my account was closed without just cause and without any prior discussion to clarify the disputed transactions, despite promises to do so. 

I am asking the CFPB to investigate this matter and take appropriate action against Chase Bank for their improper conduct. I kindly request that my accounts be reinstated, and that Chase take measures to prevent such discriminatory actions in the future. 

Enclosed are copies of any relevant documentation that supports my case. I am willing to provide any additional information upon request. 

Thank you for your prompt attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: OK

Complaint narrative:
I was told all I had to pay was {$20.00} to get my snow cone ice maker and I paid the {$20.00} up front and they were supposed to send it straight to me within that week I never received it now they're trying to charge me {$190.00} XXXX and I don't understand why I need to pay that if I never received the item the company name is 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX wrote a liability property insurance for my residence. That account number is XXXX. It was for XXXX XXXX XXXX XXXX, # XXXX, XXXX, Illinois. 

I cancelled the policy by letting it lapse. I decided to not renew the policy. The premiums doubled during the course of one year. The anniversary of the policy renewal date was XX/XX/2022. I was paid up through XX/XX/2022. I no longer needed the policy. 

XXXX XXXX assigned {$80.00} to CCS Collections of XXXX, Ma. That Collections was reported to the three major credit reporting agencies. I disputed the account. XXXX and XXXX immediately removed or deleted the account. I received a confirmatory email within a few minutes from both. I disputed the same account twice with XXXX and they " verified '' and refuse to delete it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: TX

Complaint narrative:
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  requesting documented proof of the credit inquiries listed on my credit report.

Company response to consumer: Closed with explanation