vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX I opened a dispute with chime bank and provided them with as much evidence on me being scammed out of my money by this merchant XXXX XXXX  for {$3000.00}. On XXXX XXXX Chime denied and closed my claim saying that they spoke with the merchant and the merchant told them I didnt make the payment on the vehicle so they repoed my vehicle, which is false. I made the initial payment of {$3000.00} on XXXX XXXX with my chime XXXX XXXX. Chime still denied my claim after they see the payment was made in that day. I tried to reopen my claim with chime on XXXX XXXX and they still denied my claim once again. Chime told me there was nothing they could do and that I will not receive my money back because Of what the merchant said. Ive been a customer with chime almost a year now, never had a problem out of them but this is very frustrating knowing my bank chose the merchant over their costumer being that I provided all the evidence I had even a police report that they asked for. Here it is XXXX XXXX and Im at a lost of {$3000.00} and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior XXXX that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research

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 2021-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
In XXXX and XXXX I was unable to pay my student loan, and place it in forbearance on three separate occasions. I was told by phone operators at Mohela that I could continue my forbearance for a specified amount of time. As I recall, this was 18 months. I was also told the forbearance lasts 90 days, then I had an additional 90 days to place the account back into forbearance before it would default. I place my account in forbearance in the spring of XXXX. I then waited the six months I was told would be the limit, and placed the account into forbearance again. I was told at that time by the phone operator this was perfectly fine, and my account was up to date. I did this a third time in XXXX, and it was only on the third time that I was told the previous operators had given me incorrect information. What they neglected to tell me is the accounts were reported as late to the credit bureau after 90 days, and that I was accumulating 90 day and 120 day delinquencies on my credit report - even though no payments were ever made or needed to be made, and the account was allowed to be in forbearance. I explained this to Mohela, and have disputed these reports on several occasions, and Mohela refuses to acknowledge I was acting on bad information given to me by them and their phone operators. No payments would ever have been due. The only thing I was late with was making a phone call, which I was clearly told I had to do within 6 months to avoid default. Had they told me I only had 3 months to avoid dramatically damaging my credit, I would have called in 90 days instead of 6 months. Again, no payments were due, so I had no reason to not call in, other than I was given bad information by Mohela. They have continued to refuse to acknowledge they had any part in this miscommunication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank XXXX is reporting lates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have had the account for a very long time and have been a great customer. Unfortunately the store will be closing and my account inevitably closed. I ask as a goodwill that XXXX removes the late notations from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX which is XX/XX/XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX  and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX  which is XX/XX/XXXXcase # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research

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 2021-03-26 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: NY

Complaint narrative:
To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: RI

Complaint narrative:
I applied for temporary expanded public service loan forgiveness as I am a XX/XX/XXXX in the VA XXXX XXXX XXXX government employee ). I uploaded my employment forms on the fedloan servicing site. I contacted fedloan and spoke to different customer service agents regarding my paid ahead status. All of the payments I have been making through covid and prior are not counting towards my loan forgiveness. My account has been in a paid ahead for quite sometime. As a consumer making additional payments and doing the correct thing by paying them although the balance has been {$0.00} for quite a while, this is not right. The agents told me there is nothing I can do as far as those extra payments. I was told to change my payment plan to an income driven and reapply after being in that particular plan for 10 years ... what! My loans will be paid in full before then so why would I change to a higher monthly payment with an income driven repayment and for a longer span of time and still not be able to apply for this? Something needs to be addressed with this issue. I have uploaded statements that show my paid ahead status as well as the documentation about changing my repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Applied Data Finance, LLC
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was unemployed due toXX/XX/XXXXsince XXXX, XXXX. I was placed in a forebearnce program with PennyMac. I am now employed and have been since XXXX, XXXX. I submitted an application for a modification to see if the missed payments can be applied to the end of my loan and was denied because i have a previous modification in XXXX and i will not qualify until XXXX, XXXX. I asked if i can move the missed 14 payments to the end of my loan and they said that is not option.. I have to pay the $ XXXX or consider a short sale. I called XXXX at Neighborhood housing and he referred me to you. They are not willing to give me other options. I need help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Noticed two different banks it's XXXX XXXX bank and its Chase Bank I opened the accounts. I deposited money into both accounts no problem. I explained to them that I was trying to start my own little business and part of my business and I'm working with another individual who I can not name at this present time. But it was so the point of they were going to make donations, Charities, Investments into my in order for me to go and process and purchase the items that were needed to keep the company afloat. I did explain to them that there were charges on there and individuals that I did not know therefore I don't understand why they were going to try to return my income tax money that I received back to certain individuals that I had already explained to them what they had did. Just like now they are still holding my income tax my stimulus check I was supposed to receive I still not have received I have I am a single parent with XXXX kids and since XXXX up until now I'm going into XXXX I have not been able to afford to pay my bills taken care of what I need because they're holding my government money and my income tax Chase 's. As far as XXXX XXXX I explained to them the same thing and they decided they were going to close my account after I sent them a mugshot the individual that I felt was doing fraudulent activity on my account that called and said that they did not make a transaction into my account which come to find out they did and I was not aware of the record that this person had already had. Once I was aware I sent them a mugshot I sent information in there still choose not to open my account back up there still choosing not to release my funds and it's causing a major problem because I had invested in the XXXX she start to generate some money on my own and since Chase closed my account they have locked my XX/XX/XXXX account which I can't access funds from there I can't access phone from my XX/XX/XXXXbecause of the same thing that's tied and so I have four different accounts that I can not access nor access my money. I don't appreciate the rudeness that they gave me I don't appreciate the simple fact that they are charging me and withholding my money after they've already been notified of the circumstances they don't want to release the full information on these people to me like they should but they have no problem with giving these people my money that's where I have a problem with this app you're supposed to be protecting my account from fraudulent activity but you're locking me out of my account for me to even get my money when my income tax did post and land into the account Chase decided that they were going to hold my money wish there still doing now and not release my funds to me which was my funds versus going after the people that which is false they went into agreement with you before they even just deposited their money so I'm not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is me.

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 2021-03-26 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: FL

Complaint narrative:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on 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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.US SM BUS ADMIN ODA XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XXXX. XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I placed two trades of {$250.00} for two cryptocurrencies using Coinbase ( the app ) : {$250.00} of XXXX and {$250.00} of XXXX. There were issues with my purchase of one of the currencies, XXXX, as the app said the order failed multiple times. On my third try, the purchase was processed. 

The morning of XX/XX/XXXX, I noticed an extra, 3rd {$250.00} trade in XXXX was processed over night on XX/XX/XXXX. To be clear, I did not place this trade. 

I reached out to Coinbase via their online ticket system on XX/XX/XXXX, as they have no live phone support. As of XX/XX/XXXX, I still have not heard back from Coinbase support. I attempted to call and speak with a representative using the only way they say you can contact them - to freeze your account. 

My plan was to talk with a representative about the situation without my account being frozen. Unfortunately, support from Coinbase was still not a human being, my account is now frozen, and I still have no answer as to why an extra {$250.00} trade was placed in my ( now frozen ) account. 

I feel very frustrated by this entire situation. Coinbase made an erroneous trade, has not responded in over 1.5 months to my ticket, and now my account is frozen because I was hoping to finally talk to a person at Coinbase about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid a balance of {$26.00} on my XXXX credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the XXXX XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted XXXX, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with Experian, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.experian Claim ID # 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 2021-03-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent n numerous request to Experian about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.

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