vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This Company is The Original Creditor And Sold My Information to a third party without My written Agreement Everything am asking This Company For They are Not Giving me anything. I am asking For a copy Of the contract I Have With Them And They Never Send It And They Took Off The Late payments and put them back on my account I never made a payment at all. So I do not know where They getting this late payment from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year> my chase account was charged multiple fake charges from XXXXXXXX XXXX  account and chase notified me of fraudulent activity and reversed the charges on all but 3. two are for XXXX each and one is for XXXX. They closed my debit card and sent a new one. Every time I call chase they credit the XXXX but then keep debiting it a couple weeks later. This last time I spoke to a manager and she said it was because the merchant was manually entering the transaction and could see that the multiple other charges were credited back to my account. The manager assured me it would be fixed and now yesterday they have taken the XXXX out again. I have been trying to fix this since XX/XX/year> and have spoken to so many employees at Chase, can you please assist me. I have never ordered any food from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-14 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: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of questionable items : 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 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 XXXXXXXX

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 2024-02-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received egift card from work for {$300.00}. Card initially worked and was able to order from XXXX. Currently have {$38.00} left and can not spend any of it at any store nor put it on my XXXX wallet. Have tried contacting company after waiting for a half an hour they said I need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I seen my credit was down over XXXX points to see random places running my credit for loans I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I seen my credit was down over XXXX points to see random places running my credit for loans I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Bank Credit Card opened XX/XX/XXXX. This is XXXX of XXXX cards but I don't recognize the acct. #. Opened fraudulently. Minimum of $ XXXX is paid monthly and always current. Last paid XX/XX/XXXX. Balance {$190.00}. Not my card. I pay my bills in full every month - never a minimum. Requested credit report from all XXXX companies because I will be applying for a mortgage and found this odd card. 
On XX/XX/XXXX in the early evening, I called the bank in question. The gentleman told me he only saw XXXX account and NOT the one I was disputing. So I disputed online with XXXX XXXX on XXXX but today XX/XX/XXXX XXXX told me to dispute as a fraudulent account.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I used Capital One Bill Pay to pay an {$8000.00} invoice for a slip rental to a XXXX. I assumed the check arrived and was cashed, because the {$8000.00} was taken from the checking account. I was balancing the books and found that same {$8000.00} amount on the Capital One Visa credit card, so I called the XXXX to ask why they would charge the amount to the credit card when I had sent the check, which apparently had been cashed. I was told they never received the check, and per the agreement we signed, they then charged the credit card. I called the bank and was told their policy is to charge the account when the check is ordered through Bill Pay. I had to file a claim, which was done 8 days ago, and they still have not refunded the {$8000.00} to the checking account. I have called daily and am told that they are still investigating. What is there to investigate? The check was never cashed! If I had written a check, mailed it, and then called the bank to have the check stopped, they would charge me a fee but would stop the check. Why can't they stop their own check??? I am now out {$16000.00} and have no idea when this " investigation '' will be completed, as I keep getting a different answer each time I call. There are no longer bank officers at branch banks at Capital One, so I have no one at my bank to advocated for me. This is outrageous and I will never again use Capital One Bill Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
A while ago my car was disabled. My account was not behind on payments. It was up to date yet disabled and then repod. I asked for clarification as to why and never received a response but was expected to pay the balance left on the loan.. and then the car was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Velocity Portfolio Group
State: MO

Complaint narrative:
To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against Velocity Investments llc for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, Velocity Investments llc does not hold a valid license to collect debts within the jurisdiction of Missouri.

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB.

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that Velocity Investments llc ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on Velocity Investments llc to deter similar violations in the future.

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against Velocity Investments llc to delete all credit reporting immediately.

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 2024-02-14 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mother was contacted from this number XXXX XXXX XXXX then given XXXX XXXX XXXX for me to call they told her they were attempting to collect a debt as well as advising her of the amount I owe and what they would settle for. They went and told her that they will be taking me to court if I do not pay it by end of day XX/XX/XXXX. She sent me a picture of the information given to her. 
When I called this lady XXXX I asked if she was allowed to give my information to my mother since I am an adult now and was an adult in XXXX and she said yes. She stated my mother gave her my date of birth and social security number. My mother denies giving any information as she does not know my social security number. The loan was taken out in XX/XX/XXXX and charged off in XX/XX/XXXX. I had asked why had I not seen it on my credit report, XXXX stated it will be if I did not pay today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
SEE FILES ATTACHED FOR IDENTIFICATION VERIFICATION AND FTC REPORT. 
THIS IS NOT A THIRD PARTY. 
I AM REPRESENTING MYSELF. 

Claim ID : XXXX. 

I received two fraudulent transactions on XX/XX/XXXX in the amount of {$24.00} each from a merchant named " XXXX ''. What's extremely odd is I called Chime immediately after this happened and I was told over the phone that my debit card had been breached. I asked if the rep was sure because I had never even used my debit card as it was brand new, and I no longer use my bank account with Chime. He said he was sure and then proceeded to order me a new debit card. He also never created a dispute for the two transactions from XXXX like he said he would. 

So, on XX/XX/XXXX, I created a dispute. I received an email from Chime on the same day, stating " Based on our investigation, we have concluded no error occurred. No funds will be credited to your account. You may request a copy of the documents we used in determining the final outcome of the investigation. '' I gave Chime a phone call immediately after reading this email. How could they have come to the conclusion that no error occurred when the rep literally told me over the phone that my debit card had been breached? All of their phone calls are recorded by the way. Chime also told me when I created a dispute with XXXX in the past, that this merchant would be BLOCKED from charging my bank account ... XXXX obviously that was a lie because I had to create a second dispute due to being charged by XXXX XXXX 

I requested a copy of the documents from Chime that they used in determining the final outcome of the investigation on XX/XX/XXXX... I received an email today on the XXXX XXXX  XXXX stating this. " XXXX, dispute representative. 
EJ, supervisor. ticket # XXXX XXXX XXXX # XXXX I called Chime on XX/XX/XXXX to request the documents used in the investigation. I also got the case re-investigated. Literally less than 6 minutes after I got off the phone with a rep, I received an email from Chime stating that they have concluded that no error has occurred after their investigation. HOW IS THAT EVEN POSSIBLE? IN UNDER SIX MINUTES?????? I EVEN PROVIDED THEM AN IDENTITY THEFT REPORT! 

I just spoke with the following XXXX people today after receiving an email from Chime stating that they had attached the documents I requested. 

XXXX, Dispute representative. 
EJ, Dispute supervisor. Ticket # XXXX XXXX XXXX representative Ticket # XXXX The reason I spoke to these XXXX people is because Chime did NOT attach any documents in the email even though they stated that they did. I have attached a PDF file of the email sent to me from Chime on XX/XX/XXXX. So now they're blatantly lying on PAPER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
See prior CFPB complaints, WHICH WERE NOT RESOLVED! 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card ISSUE Fees or interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
It Appears That This Item On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099 Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship I Would Greatly Appreciate It I'Ve Gone Through A Serious Financial Hardship And This Would Help Me With My Credit In The Future Thank You So Much CAPITAL ONE AUTO FINANCE COLLECTION/CHARGEOFF Auto Loans {$9200.00} Account Number XXXX Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory CAPITAL ONE AUTO FINANCE COLLECTION/CHARGEOFF Auto Loans {$11000.00} Account Number XXXX Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2024 Dear XXXX XXXX XXXX Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My social security money did not get deposited into my checking account for XX/XX/2023. I went to the local social security office where they told me a fraud was hit on my account. My money was sent to a PNC bank in Pennsylvania with an account number that does not belong to me. I took this information to my local PNC bank here in XXXX, AZ. The manager there told me the account number the social security agent gave me is not a valid number. 
I filed a fraud report with social security and at PNC bank 's retail support department in North Carolina. The PNC case worker said she could not verify the money was ever sent from social security and I should tell social security to cut me a check. The agent at social security told me they sent the money was to the PNC account and account belongs to me. When I told this to the case worker said " The money is lost. I've gone as far as I can go. You're never going to see your money! Case Closed! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 at XXXXXXXX XXXX I make a payment on my credit card ending on XXXX at an ATM with cash in the amount of {$1000.00}. The payment did not go through and I received a receipt that stated " It looks like there was a problem completing your payment. Call us at XXXX for personal credit cards or XXXX for business credit cards. 
I did and at first they credited me the amount but on XX/XX/2024 that credit was revoked for whatever reason. They did not give me any proof they just said the credit was made in error. Why then do I have the receipt for the payment? Did they even check the camera at the ATM? I have the sequence # XXXX on the receipt and the XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX CA. the XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX claiming I owe for a bill, trying to say I owe for a month I did not have service. I switched from XXXX XXXX XXXX XXXX XXXX XXXX Accounts were checked nothing was owed or I couldn't get new service. I have had XXXX for 2 years. Called XXXX from XXXX XXXX XXXX XXXX store XXXX of XXXX and they said it was a mistake and it would be removed, obviously it was not removed. We paid for service every month for that month. If we didn't pay we did not have service. We never did not have service. So this makes XXXX sense. Its been over a year and now its surfacing again. Jefferson Capitol has the dept for {$130.00} this is not right to try and collect a dept I do not owe.

Company response to consumer: Closed with explanation