vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was scammed into an international wire transfer on XX/XX/2021 at one of Chase Branch. Chase bank didn't do any due-diligence to help double check the transfer. When the receiving bank saw the suspicious transfers and reached out to Chase to confirm the transactions, Chase was very slow in processing the request and never reached out to me. I eventually lost about $ XXXX and Chase refuse to cover my loss. 
I filed a complaint through Chase and got contacted by the Executive Office. However, after several phone calls to collect the information from me, they didn't give me any conclusion about their internal investigation on the case but only left a voice message saying Chase can not cover my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance reopened my account on my report on XXXX  and XXXX XXXX is still showing closed. All three reporting show different balances. I tried to dispute on XXXX  but is not able to. Please delete Credit Acceptance for report for inaccurate reporting.

XXXX  : Balance : {$0.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( closed XXXX XXXX ) reported XXXX 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 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my report, i realized a medical bill for services, I'm never received. Ive never done busniss with XXXX XXXX XXXX or entered into a signed contract with this company. The account is fraudulet, please see attached ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Experian and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Experian and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

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 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
PLEASE REMOVE ALL INCORRECT ITEMS AS A RESULT OF BEING A Victim of IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I owe {$100.00} for my Amazon credit card. I have only missed one payment previously and all other payments have been made on time. I have received multiple calls per day ( anywhere from 2-4 a day ) since XX/XX/2021. I have three times now in that timeframe let them know that I have had financial hardships due to unemployment and my own business slowing to a stop due to inability to purchase shipping supplies for my product and recently gained employment. I have told them I should be able to pay it within the month with no specific date because financial hardships are making it difficult to do as such. Today ( XX/XX/2021 ) I was called three times before I answered and told them again they can not call me like this, it is considered harassment and I shall pay them before the month is over.

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 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
SUBJECT '' VACATING '' MY TREE VIRTUAL WALLET WITH PERFORMANCE SPEND RESERVE AND GROWTH ACCOUNT ILLEGALLY CLOSED IN PNC BANK XXXX MONEY IN THE ACCOUNT FRAUD .HELLO I DEPOSIT CHECK CASH IN ATM PNC BANK XXXX BUT BANK XXXX XXXX THEY WRONG DEPOSIT MY AMOUNT WHAT I REQUEST AFTER THAT THEY CORRECTED AFTER THAT I TRANSFER MONEY TO THE XXXX ATM BANK CHECK ON AMOUNT XXXX AFTER THATI WENT TO THE BRUCH TO PNC BANK AND WORKER CALL TO MAIN OFFICE TO THE XXXX XXXX WHO HARD LOCK MY ACCOUNT AND ASK ABOUT MY DETAILS WHY CHECK WAS RETURN BECAUSE MY CHECK HAS WRONG SIGNATURE ALSO BECAUSE I OWN THE MONEY TO DIFFERENT BANK SHE TOLD ON THE SPEAKER TO THE PHONE TO THE WORKER IN BRUNCH XXXX XXXX XXXX XXXX XXXX ILLINOIS TO BILL XXXX  AND HE TOLD ME I HAVE HARD LOCK ACCOUNT AND ACCOUNT IS CLOSED AND IS XXXX ON MY ACCOUNT.THEY ILLEGALLY CLOSED MY XXXX ACCOUNTS VIRTUAL WALLET WHAT IS JOINT WITH FAMILY NAME XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: CA

Complaint narrative:
XXXX XXXX  account number XXXX is wrongfully appearing on XXXX, transunion and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.

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 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent challenge letters to Equifax to properly and transparently investigate these false accounts on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which Equifax is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, Equifax continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to Equifax last week. I ask the CFPB to ensure that Equifax sends me all all calls, transcripts, emails and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I was contacted today XX/XX/2021 stating I was 4 days paid due. I was told by XXXX XXXX in XXXX Arizona the due date would be change to XXXX after they submitted to Kia finance. I explain this to Kia fianc today and collector just kept saying can you pay that today repeatedly and would not help with solutions. I asked to speak to manager manager said said thing and told me I am being billed {$7.00} plus for it being late. I read over my contract and I do have a grace period of 10 day before getting late charges. This is unfair debt and collections against myself. I want to point out I asked for paper billing and see told me se can not. I just got off the phone again with company and said they can. This is unacceptable debt collections against myself. I would like a resolution to this issu.

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 2021-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
In or around XX/XX/2018 my identity was stolen and someone applied and received a loan from One Main Financial. ( Account XXXX XXXX ) Although I had an FTC theft report and police report One Main continued to get me to pay for the loan. In fact they have now taken me to court in the District Court of Maryland. I want One Main to stop the lawsuit and stop trying to collect this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Inadvertently posted an incorrect mortgage payment. 

My husband made our regular payment to penny mac.

This mortgage pmt. was posted to penny mac XX/XX/2021 in the amount of {$1400.00} Unfortunately, the full payment due was {$1400.00} leaving the payment short {$19.00} I was made aware of this error on XX/XX/XXXX. 
This was a human error which I feel should be forgiven. 
I am devastated my 100 % payment history with all of my creditors is now 99 % costing me 70 points drop in credit score! I have reported my concerns to penny mac as well as XXXX XXXX the investigation result is verified as accurate. I am not satisfied with this result. 
The past due amount should reflect the amount that was past due which is {$19.00} not the full payment of XXXX " past due '' means past due. 
My credit report reads past due : XXXX, XXXX. 
My payment is XXXX XXXX and where do they get this amount from????? 
This is also incorrect. 
If they can't grant me one forgiveness I would like my report to adjusted correctly.

' PAST DUE XXXX ''. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent challenge letters to TransUnion to investigate these false accounts properly and transparently on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which TransUnion is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, TransUnion continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to TransUnion last week. I ask the CFPB to ensure that TransUnion sends me all calls, transcripts, emails, and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts immediately.

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 2021-08-08 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: CA

Complaint narrative:
XXXX XXXX  account number XXXX is wrongfully appearing on equifax, XXXX  and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: CA

Complaint narrative:
XXXX XXXX  account number XXXX is wrongfully appearing on XXXX, XXXX  and experian credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.

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 2021-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Financing on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/XXXX Capital One Auto Financing sent me a bill which is a violation of 15usc 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/2021 Dear Complaint Department, complaint.consumer finance.gov My XXXX Credit Card was deleted by XXXX because I reported to XXXX  that XXXX had made an error on my Credit Report causing my score to decrease by more than 5 points. I was never late and ensured my bill was paid on time. XXXX reported I owed a larger sum on my XXXX Credit Card in XX/XX/2021. The error reduced my credit score on XX/XX/2021. XXXX didnt consider a payment I made by my personal WF checking account number XXXX for {$500.00} in store on XX/XX/2021. Very disappointed as this was XXXX mistake and when I called it to their attention, my credit score suffered, my open credit line of Credit decreased {$1500.00} and my overall Credit Score was lowered and no longer well above my Credit Score of XXXX. 
Please Help!! 
Thank you. 
XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2021-08-08 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Account was settled in accordance to agreed schedule 3 years ago, and was removed from report. Shortly after it reported open and derogatory and reporting late payments every month since settlement. 
Still shows on XXXX  and experian and shows many late payments that were added after settled as agreed. 
Was told by issuer that after settled it would be removed from report. Instead they continued to report late and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I NEED MY ACCOUNTS UNFROZE. I have XXXX in my accounts from my PPP loan. My account has been frozen for a whole week after NAVY FEDERAL APPROVED ME. I have kids and I need my money. I just please ask can they unfreeze my accounts please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: FL

Complaint narrative:
First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to Experian yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time

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 2021-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: MT

Complaint narrative:
Opened a account with CHIME and it went great for the first several months. About 5 days ago i got a random notice from them stating that my account has been suspended for suspicious ID issues. I sent them multiple forms of valid ID and they STILL flat refusing to re.open my account ... right before my full salaried paycheck is supposed to be deposited into that account - tomorrow morning!!! Plus, my bonus check is supposed to hit this week also! I reached out to other disgruntled ex account owners who had posted rants about chime online on XXXX. Multiple ex account holders messaged me back and said they never got their $ back!!!!! SHUT THEM DOWN!!!

Company response to consumer: Closed with explanation