vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CITIs Best Buy credit card automatically enrolled me in a debt protection program. I asked for proof of me accepting this enrollment and they could not provide this. Their response was that it appears on the statement which is accurate. It is also accurate that they asked me to enroll in paperless and I was happy to do that. It is also true that the functionality to view or download statements does not work on mobile devices. I will provide screenshots of the link I clicked and the error I received. I will also provide screenshots of how they try to hide these charges by charging them on the last day of the statement so they never appear in recent transactions even if they were just charged the day before. In the transactions section of the site the default is recent transactions and you would have to change the default to the previous statement to see the charge. I believe Citi tries to hide these fees to run the clock out on the XXXX percent purchases and hit people with the deferred interest.

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 2022-12-15 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: TX

Complaint narrative:
On XX/XX/2022 I discovered there were XXXX unauthorized transactions on my account. I immediately reported the fraudulent transactions via the banking app. I was provided with claim ID # XXXX. The transactions were from the following merchant. 

XXXX {$40.00} XXXX {$20.00} On XX/XX/XXXX I was sent an email stating that final determination had been made and that my claim was being closed and that no error has occurred. I immediately appealed this decision and the claim was re-opened. On XX/XX/XXXX I was told yet again that my claim was closed and that they found no error. I responded asking to be sent information regarding the merchant and where the transaction was made. I also made XXXX calls to Chime customer service once on the XXXX and again on the XXXX speaking with XXXX on the XXXX and XXXX on the XXXX. Both times my claim was closed. XXXX did advise that the transaction was made in Wyoming to which I informed here that I was not in XXXX  nor have I ever traveled to XXXX. 

We went over my transactions for that day that showed I was in XXXX, XXXX  where I reside. I also provided them with feedback from other online customers that have had similar experiences with fraudulent charges from this same merchant. Again was claim was reopened and closed. 

I have NEVER stepped foot in the state of Wyoming and I did not make the purchases. To date Chime has been unable to even inform me of what was purchased. 

I simply want my money returned to me and for this fraud to not continue. A simple google search of XXXX generates countless numbers of people claiming to have been scammed by this merchant and/or Chime with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-12-15 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: CA

Complaint narrative:
XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Company name : XXXX XXXX XXXX. 

issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.

This Collection company As well as the original cr
editor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error. 

Everytime that I have to do this, takes away from my original request to have this investigated. 

more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago. 

I feel that my rights are being walked over on. 

If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for. 

in addition, navy Federal is trying to collect on this account twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I paid this debt off. They have it listed on my credit report several times that is causing my credit to approve worse then what it really is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NV

Complaint narrative:
I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/XXXX -The XXXX XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX {$830.00} XX/XX/XXXX - XXXX XXXX {$5500.00} XX/XX/XXXX - XXXX {$2500.00}

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 2022-12-15 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was asked to sign up for a rewards program on XX/XX/2022 and was told it wasnt a credit card so I decided it was fine to sign up but it turned to be a credit card and it did effect my score. I called the store to asked to cancel everything because of the miscommunication and I wanted my credit score back to how it was before.But they was unable to do so and and proceeded to tell me to call the number on the back of the receipt which I did and they told me to inform CFPB.

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 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: IL

Complaint narrative:
Im associated with XXXX. I initiated a mobile check deposit on XX/XX/XXXX I was told 5 to 7 business days it would be funded. Seven days come around I contacted customer support and I have been for several days. They keep telling me the same thing my moneys still not posted. I cant take my check anywhere else to get cash because Ive already sent it to them. My money is still not initiated and its now XX/XX/XXXX. They keep telling me wait till the end of the day and nothing is being done. I cant talk to a person. They keep giving me the runaround. They keep telling me to be patient. Its way past the day that I shouldve had my money. They need to fix this. I have taken pictures of all of the conversations that Ive had with him. Its always the same thing nothing is getting done. And my money lost in space.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
On XX/XX/2022, I was searching for a moving company to move me from XXXX XXXX XXXX XXXXa. After speaking to a number of companies I spoke with a man named XXXX XXXX from XXXX XXXX. He was wonderful! He quoted me a very good price and I gave him my credit card number. I should have known something was wrong because I couldnt do it on my XXXX but rather, I had to go to the library to use a computer. That night, when I had some time to think, I XXXX the name of the company XXXX XXXX XXXX XXXX on the email. XXXX XXXX name was all over the reviews. The word scam appeared a number of times. XXXX, I thought XXXX was my friend and had given me his cell number. I texted him. He never responded. I called capital one immediately and reported that I had been scammed and cancelled my credit card before they took the money. I was told the transaction was pending and that I would be OK and not to worry. All of this happened within XXXX hours. I was told that they credited my account the {$1600.00} and I was much relieved. I was told I needed to report fraud initially and then, I was told I needed to file a dispute. 
Dealing with capital one was a nightmare. I spoke to one XXXX  person after another in the dispute department. I spoke with a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX other people whose names I did not write down. I was told I couldnt go past them when I asked to speak to a supervisor because I was told I had to use their secure site which was a complete joke. After hours of frustration I finally met a man who allowed me to fax what documents I had to prove that this company had taken my money with my capital one card. 
On XX/XX/XXXX I received a letter stating that my dispute was denied because I hadnt responded to their requests which was XXXX XXXX XXXX  I have done everything that they told me to do and wasted hours of time and energy to say nothing of lost sleep over this matter. 
Please help me. I believe capital one is as fraudulent as the moving company who scammed me. This can not be happening in XXXX. I am XXXX XXXX XXXXXXXX, a XXXX   and on XXXX XXXX. I have no one to help me but you. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 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: FL

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 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-15 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: FL

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 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This auto debit I am no longer responsible for considering the natural of the issue.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The was XX/XX/XXXX the amount is was {$2600.00} the. I was XXXX XXXX XXXX. Every year since XXXX they have been taking my income taxes for years till this day. An then I found out the sold my personal information. I called the Educations department an when I spoke with a young lady she said, she don't have any information for me. An then some company called bout XXXX weeks later .but they were talking so fast till after the said who they were an what they have of mine they hung up on me an I tried so many times to call back the number out of service. They wanted me to put my mom in jail. Cause she signed this for me Department of Education said that to me An it saddened me for them to suggest that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  account number XXXX balance is not right and it need to correct ... .also all payments should be showing on time not no data

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 2022-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent XXXX letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never had a XXXX XXXX  or XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: VA

Complaint narrative:
I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these are not mine. They are not factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
My phone was stolen and my accounts were hacked. They stole all of my money out of my account and when I contacted my bank they stated that there was nothing they could do. This has really been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XXXXXXXX XXXX XXXX XXXX  SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NM

Complaint narrative:
I received an email saying a previous email I received regarding student debt cancellation approval was an " error ''. I am very confused! Please stop this company from wrecking my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation