vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I havent been able to access my account since XX/XX/XXXX I was informed by email by the bank as well as over the phone multiple times that It would only take XXXX hours to have this issue resolved. They have been lying I sent them my ssn card, my ID card, unemployment letter with my address on It. They told me the reason my account It on suspension is because unemployment tried to deposit money into my account that Ive been waiting on for over a year. I lost my job due to Covid and been waiting on the unemployment to send me the benefits they were delayed. An appeal was filed and all. I just feel like this is wrong I have bills I had to pay and was not able to pay ANY of them and now Im about to be put out of my home because I can not pay my rent. My car note no food in the house like Im telling these people they need to stop lying and tell the truth and all they continue to say is XXXX hours. Im the pictures I added the picture that has the email I wrote with the pictures attached are my ssn card is card bank statement with my address aswell as the unemployment letter I was sent about my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on my equifax and XXXX report i have become aware that there exist inaccuracies on my report neither credit agency is following proper procedure according to 15 USC 1681 ( b ) the two companies reporting inaccurate information is XXXX XXXX AT XXXX XXXX XXXX XXXX MA XXXX ACCT NUMBER ENDING IN XXXX ALSO XXXX XXXX  LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ACCT ENDING IN XXXX I have never done business with these two companies and due to a data breach at equifax this is when they both showed up on my account. PLEASE REMOVE BOTH these inaccuracies are hindering me from getting gainful employment therefore cause me to be XXXX  and I WILL SUE ALL PARTIES INVOLVED DUE TO THEIR NEGLIGENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My name is XXXX XXXX. I am submitting this on my own behalf, there is no third party involved. 
I have previously contacted Goldman Sachs Bank in relation to validation an alleged debt which they have not done pursuant to 15 USC 1692g laws. I have subitted a previous complaint with the CFPB regarding this issue ( complaint ID : XXXX ) In addition to refusing to lawfully validate the alleged debt, they are in violation of 15 USC 1666 ( b ) ( 2 ) " a billing error consists of any of the following : ... A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' I requested documentary evidence proving the alleged debt was mine and Goldman Sachs Bank refused. 

I sent them a notice that I, a federally protected consumer, believed that the statement contained a billing error and the amount of such billing error, and set forth the reasons for my belief that the statement contained a billing error. 

Pursuant to 15 USC 1666a, Goldman Sachs Bank may not directly or indirectly threaten to report to any person adversely on the consumer 's credit rating or credit standing because of the consumer 's failure to pay the amount indicated and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of sending a written acknowledgment ( which Goldman Sachs did not do ), and make appropriate changes to the account in which the billing errors occurred. 

Goldman Sachs is negatively reporting on my consumer credit report, in addition to not following the requirements of due-process in regards to 15 USC 1666 AND additionally has not verified the alleged debt in the first place pursuant to 15 USC 1692g as previously requested. 

a copy of this CFPB complaint has also been sent to the Florida Attorney General 's office and the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BRIDGECREST Account Number : 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 2022-08-08 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: IN

Complaint narrative:
in Accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writtensinstructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have a chase auto loan that i started in XXXX of XXXX for a XXXX XXXX. This is my first car loan/lease so i was adamant that i wanted to have everything setup correctly. i made my first payment on the lease and then setup reoccuring autopayments as i wanted to be a responsible lease recipient and build my good credit history for the future. This auto repayment did not engage and in the second or third month of the lease i received a call informing me that i was past due. i made the past due payments with additional fees charged to me as a result of the late payments and setup auto payments again to recurr every month. This once again did not come into effect. and i was for a second time charged with additional late fees as a result of some issue with the billing on chase 's side. i asked the support person why i had not received any notice of this and the company had put me on a cease and desist list. This is wholey and entirely chase 's faulty for repeatedly reassuring me that my auto payments would work and that they would contact me if there were issues, which they did not, instead i was given no notices and never contacted. I enjoy my car and pay for it but i am getting scammed by my lease company, Chase Auto finance, because their system continually reverts the options i make to keep my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a Notarized Affidavit Billing error notice alone with the XXXX XXXX XXXX remittance coupon which is also a legal payment of tender under XXXX to Regional Acceptance Corporation requesting records under 12 U.S. Code 5562 ( c ) ( 10 ), to be made under a sworn certificate by a person. And that they weren't allowed to report anything to the credit reporting agencies without my written permission. Regional Acceptance Corporation received an EFT Payment on XX/XX/2022 and it was processed and I never received an Notice that payment was returned. Then Regional Acceptance Corporation sent a bill statement stating that I owed a balance so I sent in a payment of tender setoff and adjustment only on the private side and Regional Acceptance Corporation accepted it in accordance with HJR 192, UCC 3.603, UCC 3-419 and never returned to so they are in dishonor and any and/all claims or security interest has been voided. In response to my Notarized affidavit of billing error Regional Acceptance Corporation sent in a letter and not notarized affidavit ( sworn certificate ) as required under the law to answer any affidavit. I was not provided full accounting records as under the GAAP prescribed under 12 U.S. Code 1831n ( 2 ) ( A ). I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. Regional Acceptance Corporation was notified that any variation of XXXX XXXX XXXX XXXX was copyrighted and that any use other than to respond to my Notarized Affidavits by a living person Notarized in Affidavits would be considered unauthorized and subjected to fines and fees as outlined in my UCC Schedule fee of my Copyrighted property as the Secured Party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I would simply like to know how Wells Fargo justifies the demand letter sent on XX/XX/XXXX, and the attached call recorded on XX/XX/XXXX when there had been no decision on the PPP loan forgiveness review until today XX/XX/XXXX, and no decision letter sent til 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 2022-08-08 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: IN

Complaint narrative:
in Accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writtensinstructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
in Accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writtensinstructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX  bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX Credit Coll Account number : XXXX XXXX Credit Coll Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: UPGRADE, INC.
State: MI

Complaint narrative:
I am tired of XXXX  and UPGRADE reporting false information on my credit reports. I disputed these accounts with XXXX, XXXX, and XXXX, and the bureaus failed to update my report. I included these accounts in bankruptcy and they are still reporting a balance. Also, I have fraud inquiries on my reports the inquiries are as follows : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021. I did not give these companies permission to run my credit. I don't know how they got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid 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: AZ

Complaint narrative:
On XX/XX/XXXX I responded to the letter sent to me from Capital One in regards to a transaction that I did not authorize. The merchant had told me that my card was declined and the bank had even alerted me to fraud from this merchant ( I was not notified until I had cell phone service and that my card was eventually cancelled and a new one sent to my home ). I have tried reaching out to the merchant as I did not authorize these payments from my cards and someone else from my group had paid for the services ( which was also not provided with any receipt ). The bank is asking me to contact the merchant which I have tried to do but they are not responding to my phone calls. I have asked Capital One exactly how I can appeal this decision and this morning ( XX/XX/2022 ) I spoke with XXXX in transaction support and he told me the effectively I could not appeal the decision taken by the bank, that the onus is on me to produce receipts when I was not given any to begin with. I understand the necessity to ask for receipts, but I also know that the merchant does not have a signed receipt from me because I never authorized the transaction. I want to know what the bank can do to contact the merchants bank since the merchant does not want to communicate with me. The transaction date was XX/XX/2022 amount {$130.00} and the dispute with the bank is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have made a ftc report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 I went inside XXXX XXXX branch located in XXXX, Ga to do 2 wire transfers in the amount of {$30000.00} and {$40000.00} dollars. I had a mortgage closing on XX/XX/2022 at XXXX. So on XX/XX/2022 I called Wells Fargo corporate department customer service and executive dept. they stated they could not help and directed me to the branch. As I went to the branch I spoke to the manager XXXX XXXX, asking her what happened to my funds? She contacted Wells Fargo wire department. They told her there was compliance issue and needed more information as in date of birth and address. Wells Fargo did not contact me anything in regards to that until I had to go there myself to find out that information. The Wells Fargo branch manager told me that the wire should be there the next day. So the seller of the home alllowed me to postpone for a day only. So the closing was scheduled for the XXXX of XXXX. The next day and till this day no funds has been recieved. 

I have spoke to several people in Wells Fargo corporate office and the bank manager is ignoring me Ive sent several emails. All they are telling me is that they cant do nothing. 

Wells Fargo has my {$70000.00} I cant afford to pay rent, food, pay bills due to all the funds being taken by them. There telling me to wait another couple weeks. I lost money on the closing as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX I contacted Chase bank by mail notifying them I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 


The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


CHASE BANK is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Chase ) Making the report is not INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Chase ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Chase stated there was not enough evidences to start an investigation.

All corporations should know the laws that supposed to be following. My letter was very clear and conspicuous. 

I will not send nothing to CHASE WITH MY signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Regardless of protests & explicit instructions not to do so, American Credit Acceptance customer agents consistently processes automatic payment without my permission leading to extra fees being levied against accounts. Since there's no accountability for their misconduct or external recourse process for consumers - " No, there's no way for you to follow-up, it's an 'internal " process '' is the scripted response - and no policy to correct penalties caused by the actions of their staff, I'm filing complaints this complaint. On XX/XX/XXXX, I spoke to a representative at American Credit Acceptance to report an upcoming payment. When asked how I'd make the payment, I replied that & I would complete it manually on XX/XX/XXXX via their website 's payment portal ( XXXX '' ) which was my usual practice. A note in the account was supposed to contain this information. I called them on the XXXX to inform them that I was still awaiting a deposit toy account & ask for the date to be changed to the XXXX & was refused. I was then instructed to wait across the weekend for the deposit to arrive since it would be a minute before the accounts processed. I made a manual payment on XX/XX/2022 & noticed that there was a pending payment for XX/XX/XXXX. I immediately called & inquired why they processed an automatic payment when I explicitly told them I would pay manually via their payment portal. I was told that ALL payment arrangements have to be set for automatic draft. When I replied that their own agent asked HOW I'd like to pay, the representative got flustered. I restated that this transaction was done without my permission so I wanted to escalate to a supervisor and any penalties & fees caused by their employees ' actions should be removed, I was told that there was no supervisor, it was an " internal '' process, and no one would follow-up with me, leaving me no recourse. The only 'help ' I received was them telling me that since the transaction could not be stopped on their ( in spite ofnthe manual payment ), I should call my bank to see what they can do. Subsequently, they are still continuing to process the payment adding {$85.00} fees for each attempt. This is notntheb1st time this has occurred, but my first time seeking assistance from this agency, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
A company by the name of Dobberstein Law Firm is reporting a debt that I never applied for. Ive never done business with this company nor any of its affiliates. They have a small claims case filed against me that are in current precedings.

Company response to consumer: Closed with explanation