vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: LA

Complaint narrative:
How you doing my name XXXX XXXX Contacting you all today my application was denied for a auto loan as I was pre approved pre approved means approved with a XXXX XXXX XXXX thats false and misleading you cant deny me with extensions of my own credit. 
I know Im the consumer and the original creditor. 
Credit dont matter the laws matter thats consumer law 15 usc 1611 also 15 usc 1605 I practice law. 
You all giving me false information willingly & Knowingly because its public information if its public information you all should know it. Also you all ask for a Downpayment the finance charge is the sum of all charges including gap insurance and dealer fees. 
I provided my check stubs verification of income I have a new bank old bank with deposits got hack can you get me over to the legal team please to discuss these laws? 

My contact XXXX Thanks

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 2023-02-28 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
The balance is incorrect, and this company has been illegally adding fees without properly informing me. I also have never been informed of the charges that are being applied to my 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 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX XXXX  from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax Finance Services says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the XXXX warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital, one sent me to collections and placed a lien on me i was never served and paperwork or sent any letters. SS # XXXX XXXX XX/XX/1956 card ending in XXXX i have tried to resolve the matter with their collections department but they weren't willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one shared my information after I XXXX XXXX ask them not to pay XXXX XXXXXXXX XXXX XXXX.and I and raise my credit without my authorization also report me late to credit bureaus and I made every payment on time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I recently filed a claim # XXXX for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. 

I sent over all the necessary documentation to Chime ( including a screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. 

Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 I repeatedly requested to delete this information as it did not originate from me! 
Requests were sent to XXXX, XXXX XXXX Transunion without response.

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 2023-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
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 I repeatedly requested XXXX delete this information as it did not originate from me! 
Requests were sent to XXXX, Equifax XXXX XXXX without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My problem with American Express is that they gave me a {$22000.00} loan WITHOUT ME APPLYING FOR IT, and their Fraud department keeps concluding that I did it because it is indeed my checking account that the money was deposited into. I DID NOT APPLY FOR THIS LOAN but American Express IS NOT INVESTIGATING HOW OR WHY THIS HAPPENED. Further, they are calling me daily for repayment, assessing interest, and have cancelled my regular Amex credit card. I fear this will go to a collection agency and ruin my outstanding credit. This all started in XX/XX/XXXX. I can not get resolution. 
XX/XX/XXXX, I received a letter from AMEX stating " there was an attempt to open XXXX or more deposit accounts in your name at AMEX National Bank, and we believe it was without your authorization. '' I called ( XXXX ) XXXX to inform that I did not apply for any account. XXXX, I received a letter from Amex stating, " we need to speak with you regarding a security concern on your account '' XXXX Personal Loans. XX/XX/XXXX invoice date, first bill arrives for a {$22000.00} loan that I had not applied for! XXXX Account ending in XXXX. The invoice details " AMEX Loan DISBURSEMENT XX/XX/XXXX of {$22000.00}. '' I called AMEX, spoke to " XXXX '', who confirmed my identity, said he would look into cancelling my loan account and opening a fraud inquiry. He changed my account password and security pin. He said the investigation could take up to 45 days. XXXX XXXX, I received a letter from AMEX Fraud Operations stating that my inquiry is currently under investigation by the US Fraud Department. Then, XXXX XXXX, I received a letter from AMEX Fraud Operations stating " we've reviewed your dispute and are unable to accept your claim as your name is listed on the bank account in which the loan funds were deposited '', dispute reference number XXXX. I am shocked and furious ; we all knew that it was my checking account, but HOW DID THE MONEY GET INTO MY ACCOUNT?!!!! For months now, I have called AMEX explaining that this is fraud, that I didn't take out this loan. I have spoke to XXXX, XXXX, XXXX, and Fraud supervisor XXXX in XXXX. XXXX ( XXXX ) XXXX, XXXX ) finally cancelled my autopay and XXXX refunded me for XXXX ( case # XXXX ) and for XXXX ( case # XXXX ). But since then I keep getting billed, getting called to collect payment, and have had my AMEX credit card cancelled. Now, I'm being threatened with collections agency! I've called, spoken to XXXX, XXXX, XXXX, XXXX, XXXX... all promising to look into my case # XXXX. Still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX  ACCOUNT # 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 as 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 explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
I sold a XXXX XXXX on XXXX on XX/XX/2021. Order number XXXX. There was a claim filed by the user who stated they didn't receive the item on XX/XX/2021. A case was opened on XX/XX/XXXX by me and closed the same date. Case id number XXXX. I appealed the decision on XX/XX/2021 and the appeal was closed by XXXX. XXXX refunded the user and charged me with a debt of {$800.00}. They have banned my account and I have tried to appeal the decision showing them proof of messages I have had with the user and the address the supposed user wanted me to mail the item to. Now I am receiving calls daily multiple times a day from CBE Companies debt collection agency. It hasn't shown in my credit report and I haven't received anything in writing by the company. I want to dispute this debt because I was scammed by a XXXX user to send my item to the wrong address and XXXX is holding me accountable instead of the scammer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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:
As shown on my credit report there was a debt from XXXX showing the amount of {$640.00} as well as another debt from XXXX XXXX XXXX  in the amount of {$5400.00}. Lawfully According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - I ask to SEE Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Old Address : XXXX XXXX XXXX XXXX, VA XXXX Phone Number XXXX Line of Credit Starting Numbers XXXX In XXXX of XXXX I wanted to purchase an XXXX for my family. These were hard to find during those days so I was super excited to find out XXXX had a bundle I could purchase. I had the money to purchase this item but the only way of getting the XXXX was that I needed to finance it. Even though I had the full payment it stated that the only ones available to purchase I would have to finance. Since these took months to come out and I had to be exactly on the website at the exact time I went ahead and did it. I figured once I financed it I would be then able to go through the website and just pay it off. It asked me for an initial payment that would pay so many months in advance but only gave me the option to pay up to 2 months or so. I received my XXXX and set it up for my family. I never received any bills in the mail for this and never got an email or any way of making payments. In XXXX of XXXX I had a death in the family and had to travel. In XX/XX/XXXX, I got a phone call and I was surprised to hear that a XXXX dollar payment per month was 2 months past due so I told them I would make the payment and pay it off. They wouldnt let me pay everything off. I had to pay monthly. I think this is some type of scam to not let me pay the full balance off of such a small amount!! I told the person on the phone that this better not hit my credit report and they said no worries this doesnt go on your credit. I made the payment and they gave me the website to make payments and sent another bill in the mail as I hadnt received anything. I need this removed off my credit report as soon as possible! I feel as though I was duped into financing this when I could have paid this off at any time! I havent had late payments on any bill.houses I have owned, cars I have purchased, all other credit cards that I have had for 20 years and you are going to lower my credit score for some XXXX purchase? This is unacceptable and I will be seeking a lawyer if this isnt resolved. Lastly, this had to be inserted in my credit report very recently as I have bought 2 houses and a brand new XXXX since that point in time and nobody has ever even asked me about this so you must have reinserted this into my credit without my knowledge which is illegal. This had not been reported in years. I want this removed from all 3 credit bureaus immediately. I need this removed off and a phone call of how this will be remediated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency Can not furnish an without my written instructions Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation

Company response to consumer: Closed with explanation