vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I dont know exactly what yall need to know but Ill start from the beginning, Monday night XX/XX/20 I went to XXXX and transferred {$50.00} from my savings into my checkings and spent {$35.00}, I then went home and started cooking and remembered I was supposed to send money to my mom so when I tried to log into my account it wouldnt let me so something told me to check my email and thats when I seen that someone changed my email and I looked further in my emails and also seen that they transferred XXXX at first from my savings to my checkings then XXXX out of my savings to my checkings and I couldnt check my balance because Someone changed my log in information so I called to check my balance and it was {$0.00} so because chime was closed at the moment I ended up calling them early the next morning. I talked to a lady and she was able to help me change my email back and password then from there I got transferred to a supervisor he then said that his system wouldnt allow him to put in the dispute for me so they transferred me to another department to see if they will enable them to file the dispute they then told me to call back in 3 days to check for any updates, so Friday morning XX/XX/20 I called and they said the dispute was filed and the investigation has started and then told me I just had to fill out the dispute form they sent me already so I checked through my email for it but couldnt find it so she kept trying to resend it to me but I still never received it so she told me another department would be in contact with me within 24 to 48 hours sending me the dispute form but I still was having trouble receiving it so I searched it up and filled it out, now I was able to cancel the XXXX transactions and get that back but the XXXX is what I filed the dispute for, someone transferred that to a XXXX XXXX XXXX account without my consent. Ive been emailing chime non stop after that to get more updates thats when they finally emailed me back and said the dispute was declined bc I didnt give them enough information, Ive never had this happen to me before is dont know what else they need they have my transaction history so they see that, I also sent them screenshots of when they emailed me saying my email was changed and also when I ended up changing it back the next day which was XX/XX/20, they have all my phone calls recorded so they have it where the lady had to help me change it back. I've emailed over 9 times, called them probably more than that, its XX/XX/20 still no help from them and no money, now I can't let this go I've worked hard to save up and I have my brothers and sisters I help my mom take care of I dont know what else to do I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Filo Mortgage, L.L.C.
State: VA

Complaint narrative:
I was guranteed in writing a refund for origination fees i.e. {$980.00} within 7-10 days of loan funding by FILO MORTGAGE , L.L.C . ( NMLS # XXXX ). However, they only send me partial refund of {$320.00} claiming there was an error in system and have stopped responding to my emails. 

I was working directly with FILO 's CEO XXXX XXXX ( NMLS # XXXX ), last I heard from him was XX/XX/2020, my loan was funded on XX/XX/2020. They also ripped me off on the rate, the prevailing rate at the time was 2.125 %, they jacked it up to 2.25 % which increased the payments by {$20.00} amounting to {$3600.00} in extra payments over 15 yrs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING

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 2020-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America closed my account and told me that on XX/XX/XXXX they sent me a check of the funds and today I called them and they told me that no check would be sent and I need my money Bank of America close my account without explanation

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 2020-12-29 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2020 FOR MY WELLS FARGO MORTGAGE ACCOUNT. I'VE BEEN OVERWHELMED WITH MY PERSONAL LIFE WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND MY FIRST LATE PAYMENT, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America wrongfully denied a claim about services not rendered and removed a credit of XXXX dollars without warning, it led to a long chain of repeated overdrafts and hardship during this pandemic. They then applied three different overdraft charges for the same transaction

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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a joint account with my grandmother who receives social security and pension each month on the XXXX of every month. Her social security and pension were deposited into our Chase account XX/XX/2020. On XX/XX/2020, my grandmother passed away. There was a hold placed on the account unbeknownst to me, which left the account negative {>= $1,000,000}. I called into Chase XX/XX/2020 and the representative could not fully explain to me why there was a hold on the account. Due to me not knowing what was going on, I transferred the remaing funds from our joint account to my personal account ( {$2100.00} ). The {$2100.00} that I transferred to my personal account is now gone and I never spent the money. I called in today XX/XX/2020 to see what was going on and try to get some answers as to why there is still a negative balance showing and what happened to all of the funds and I got nowhere. I was told that the " deceased Processing '' department is handling the account but I was unable to speak with them. There should be a total of {$3900.00} in the account. Instead the account is negative - {>= $1,000,000}. This is a huge inconvenience, as my family are still paying expenses associated with the cost for the funeral, along with the obligated rent that was due for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I've been trying to rent an apartment. This company is making it difficulty. 
They said I owe money because I was in a natural disaster. 
That is not true. They said it happened in 2018. 
The company is called Transworld System Inc. 
I did XXXX search on them and they have tried to scam many people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman sack say they can not confirm my identity and sent me to you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, I went on line on the Experian website to check my credit score. I did see that my FICO score dropped 13 points at once. So I went to the Review new Data to find out what did happen for such a drop down of my Score, I read : '' We found no New items on your report in the last 60 days, no new public records, late payments, accounts, or inquiries have been added to your Experian Credit Report ''. Further down They mentioned that my credit usage is 19 % which is very good, but my credit snapshot Boosted XXXX to XXXX with a drop of 13 points. I said that is a mistake, if the credit got boosted it should go up not down. On XX/XX/XXXX, I called Experian to report the problem, a customer care named XXXX ( Reference claim # XXXX ), said that what ever I saw on my report it is accurate and that they can not do anything about it. I believe that they have to do something about it. Because I know how hard that I have been working to rebuild my credit that has been messed up after I lost my job in 2017. Now that my credit gets to a FAIR statute, I am not going to let Experian bring it back to trash. They must give the reason why they decided to lower my score. If my credit gets boosted it definitely should go up not down. I do count on the Consumer Financial Protection Bureau to see through with my situation, how unfair my credit report has been treated by Experian Credit Bureau. Lastly the only thing that comes into my mind is that Experian has offered me a Credit Protection & Monitoring coverage for {$24.00}, I just took the {$4.00} coverage which they automatically charge my account every month, I don't want to believe that they would lower my Score to force me to take the most expensive coverage which I can not afford. Best Regards

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 2020-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited with a vague explanation of their " terms of service. '' Only after I filed a complaint with the XXXX  did they give an explanation but it is not satisfactory. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 

My updated complaint : After 180 days have passed, Paypal broke their promise and did not return my money. They accused me of receiving my earnings through XXXX which is not true. They took my balance and deducted it to XXXX, so Paypal basically stole my money, hiding behind their " terms of service. '' I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Boone & Associates Group LLC
State: TX

Complaint narrative:
On XX/XX/2020, I received a phone call from XXXX XXXX. I did not recognize the number and was wondering who would be calling me from the XXXX area. I let it go to voicemail, and this is what the message said : " Hello, this message is for XXXX XXXX. My name is XXXX XXXX calling on behalf of claims in regards to a neglected complaint that's in process of being filed against your name as well as you social ending ( stated last 4 of my ssn ). Failure to respond to this message by today gives us the legal right to move forward to get you in your jurisdiction. I can be reached at XXXX XXXX, extension XXXX. '' As of today, no legal action has been taken. I did not expect that it would since this company is bogus. I was able to find the name. I did not call back because the XXXX has been linked to scams. It is not assigned to any particular region. I know this company is a fraud and went to great lengths to try to intimidate me into compliance. The message all but threatened that they would " get me ''. Please put these people out of business!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
On XX/XX/20 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There are two collection agencies trying to collect the same debt which is a violation of the fair credit reporting act also the opened date is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with explanation