vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: FL

Complaint narrative:
Three unauthorized out of network atm withdrawals were made with my bank which is Chime bank/XXXX XXXX The first transaction was made on XX/XX/XXXXin the amount of {$1000.00} at an out of network bank which was XXXX XXXX in XXXX Florida. The second and third transaction was made at the same atm the next morning XXXX first amount was {$300.00} and the next amount was {$700.00}. I contacted the bank filed the disputes, cancelled the current debit card and transferred me remaining funds to my other bank. The bank informed me on XX/XX/XXXX that they were not refunding my money and were closing the claim. I called and spoke to a Supv in the dispute dept she advised there was nothing they could do and would send me out the details of the investigation and also advised that they would not pull the security cameras at the bank. I then called the police and filed a police report, gave the bank that information and the officers name then today XX/XX/XXXXthe bank advised that they still would not refund my money and the investigation was closed. I have been a long time customer with Chime, Im very upset and disappointed that Im being treated this way as one of their customers. I have emailed, called and I get the same answer there is nothing they can do. I dont feel they are thoroughly looking at my claim and I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: GA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , and XXXX XXXX. 
As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My business account should be closed since last week, but Bank of America keep pushing the date of closing account. I received a wire transfer of {$110000.00} from my client. I need my money to work and satisfy my client. The bank slow down my business since 2 weeks now. I want just to close my account and send me my cashier check.

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 monetary relief
Consumer complaint received 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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 explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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 explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
A XXXX XXXX XXXX was purchased using my credit score. That was not me!

I did not purchase this car, nor do I have this car. My brother XXXX XXXX may have. 
My friend XXXX XXXX took my personal information out of my home. Perhaps that had something to do with car inquiries also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX  report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths  of my friends due to XXXX. I am asking that these items be removed from my credit 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 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I am the sender I send {$300.00} dollars to someone using money gram on XX/XX/2020 but, nobody can pick up the money, I called money gram many times and also send some emails but they just responded with automatic emails that I have to call, so I called many times they told me the problem was because the person that is claiming the money doesnt has the proper ID, yesterday he claimed the money again with the proper ID and they do not give the money, because I have to resolve the problem So, I cancel the transaction many times they said they can not cancel or they can not return my money to my account, I am so frustrated with that for that reason I need your Help. They just want my money. I have almost a year with this problem Supposed to be waiting for the proper ID of the beneficiary but the problem still there and they dont want to return my money and they dont want to let the person pick it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.

Complaint narrative:
The Better Morgage company is refusing to transfer our home appraisal to our new preferred lender that is requesting the appraisal. We have requested in writing via email. Initially told that they could update with the new lender name and address and now are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
loan was paid off early via an insurance check for hail damage to the vehicle which I had repaired prior to receiving the insurance payout. Payoff of the loan was in 2018. After payoff the title was never issued. Someone in their company entered the vehicle in their records as a total for the {$4500.00} ( value still above $ XXXX  ) but this was NOT what they were told at the time of the payoff. They were told the correct reason as I described above and I specifically made sure to mention I wanted them to issue the title upon the check clearing. 
I have tried 3 times in the last 2 months to get the title released to me, even having my insurance company verify that I was driving this vehicle. 
I was promised it would be issued before XXXX but still do not have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a loan with advanced financial. After I began having difficulties with them taking out payments whenever they felt like it, I rescinded their right to debit any of my accounts. Verbally, over the phone, in writing, and on their website. They have continued to debit my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I got a call at work I asked them to call me back and the boy on the phone started literally yelling over what I was saying. I called back and a different boy told me I was rude and hung up. I was trying to find out how they got all of my personal information including my card # and social when I have never heard a word from this company. Then he hung up. I tried to call back and the # no longer worked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I have never received anything in regards to this account. I have no knowledge of this account. I have tried contacting this company and have received no 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 explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.

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 2021-01-06 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: TX

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: PA

Complaint narrative:
My complaint is against CREDIT KARMA SAVINGS ACCOUNT. 
I have membership with credit karma all. I sent them money months ago, and I tried to link a new account and delete my old account that doesnt exist anymore. I found myself going back and forth with their email reps from XXXX or XXXX, 25 emails, and after hours of wasting time, I asked their rep to give me my funds back in a form of check because their system couldnt save the new banking information. 
After we agreed with the rep that he will send my funds in a form of check he sent it back to my old bank account ( according to their last email ). 
Now they will need to send me the money back in a form of check I dont care what they have to say. Its only XXXX something dollars, but its not fair how they are handling my money and even though I requested something they did something else. Its not normal that a bank who is holding my money, doesnt have customer service, no phone number and their reps dont write their names on the email or worker id. Looks like a big scam and people are falling for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have never received anything in regards to this account. I have no knowledge of this account. I have tried contacting this company and have received no 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 explanation
Consumer complaint received 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.

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 2021-01-06 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: FL

Complaint narrative:
I am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX, XXXX, Barclay Bank issued a new credit card due to the old card being compromised through their Security. We only discovered this when the new card came in the mail. In XXXX, I receive a notice that I am late on my payment for XXXX. On XX/XX/XXXX, I called Barclay and went through many Customer Service people, to no avail. I figured out what happened and I called to explain and they still can not correct it. The Bank was crediting the old account ending in XXXX ( I do not have the whole Number on the old account as it was destroyed ), which should have been closed, and made this made the new Account XXXX, late. 
As you can see, by the attachments that I have sent you that I have corresponded several times to this Bank in a short period of time. Also, I have never been late on my credit card payment I have not received a call from Barclay on this matter. In the meantime, my excellent credit reports have been lowered, due to their neglect in this matter. On the copy of their response, dated XXXX, they stated they would have a Manager call me to explain the situation. To date ; they have not called.

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 monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TSI is the latest perpetrator of this scam adding false information to my credit report. I successfully get this removed. Then 5,6 or 7 months later it reappears. With new dates so as to have the most impact on my credit report. A practice I have come to understand is called rebirthing. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation