vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 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:
I have attached an FTC report with inquiries I did not authorize, I also attached accounts that are reporting with errors on my credit report and need to be deleted. Please also update my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: LEXISNEXIS
State: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened a chime account about 2 weeks ago. About 2-3 days later my account was locked/suspended. I called the chime support team and they said its because they needed documents like my social and my state ID and proof of my address. I sent everything I needed, its been 2 weeks already that Ive been calling the chime support team everyday asking about my account. They said there is nothing they can do that I have to wait, I have a check that already went to that account and I have no access to it. I called again today XX/XX/2022 and all they tell me is we are going to escalate your situation and we should get back to you within 24 hrs but nothing ever happens, I dont get no email of my status of my situation and they always tell me there is nothing or no one else hire up who I can talk to. I need access to my account, Im a single mother I have bills to pay and a child to feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime decided to close my account due to violating their member services agreement on XX/XX/XXXX, I had approximately {$6700.00} in my Savings/Checking Account, and I had provided all of the requested documentation to release my funds immediately back to me. I've sent several emails and placed many phone calls to Chime and their customer support department and have not been helped. I keep receiving the same answer via email indicating I am not entitled to a refund. This is my hard earned money, I have provided proof and explanation of my deposits, everything is legitimate on my end, I have never had any issues with Chime or any other financial institution before, you can not hold my money, and claim I am not entitled to a refund, I didn't do anything wrong, that is my money. I have not been able to pay any bills, buy food, support my family, put gas into my car since XX/XX/XXXX, I have a car and insurance payment due on the XXXX and XXXX of XXXX, my rent is due on XX/XX/XXXX. I am escalating this matter to the fullest extent of the law until my hard earned money is refunded. I am filing a complaint with the Consumer Financial Protection Bureau next and will be hiring a law firm to file a Summons and Complaint against Chime and your associated entities for all of the damages and harm you have caused my family and I in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I will attempt to make payment on website. Since I only use once a year, I get locked out when making payment and I don't always have my card around when trying to make payment. It locks me out for 2 hours. While I forget to return ( which is my fault ), I feel that the 2 hour lock period is too long a lock out period in hopes that people will forget to return to pay bill on time. They did not have autopayment in past and now have it. I spent 20 minutes on phone to set up autopay to prevent future missed payments. Lady on phone had me use 3 browsers over 2 devices and told me it was an error on my devices ' part. I asked if there was someone that could help me sign up for autopay and she said no I had to do it myself and that unfortunately she couldn't help me. I will attempt to check back later, but I feel between an XXXX XXXX and a XXXX computer with browsers of XXXX XXXX, XXXX  and XXXX XXXX, which are so commonly used, this is a tactic on the end of Kohl 's Credit card to prevent payments so that they can continue to collect interest and late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Imake a XXXX ' $ dollar payment to my car but the balance still the same Hyundai say he receipt the payment but the money never applied to my account my contract show is for 72 month I have my car for 3 months now the company say is only XXXX payment to finish my contract but the balance still the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received an email alert from experian on or around XX/XX/XXXX notifying me that information on my account has changed. I reviewed the information provided and discovered a debt collector reported to XXXX in XXXX that I owed XXXX XXXX XXXX or someone around {$450.00}. 

I have never been contacted by any company named XXXX XXXX XXXX in any form of writing either by US mail or by email. 

It is my understanding that before any company submits any debt report to such company as XXXX, the reporting company must have first notified me of such debt and attempted to collect such debt and failed. 

As stated above, this company has not contacted me in writing and I would like to have this negative report erased as soon as possible from the credit Bureau XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 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: GA

Complaint narrative:
Compliance procedures 15 U.S.C. 1681 section ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian has failed to follow the law regarding verifying and reporting accuracy. I am a victim of an identity thief, and Experian keeps confirming accounts I am not liable for. I yielded them the necessary documentation to support the dispute. I am asking them to remove all account of my credit report. 

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND ALL FRUAD ACCOUNT BE REMOVED Account Name : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX The account listed above has violated my rights .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681.And they have violated my rights numerous of times. 
I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: NC

Complaint narrative:
american first finance keeps reporting balance of me having to owe them XXXX dollars as of XX/XX/2022. XX/XX/2022 they responded to a previous cfpb complaint that the account was paid in full with a monetary relief. now i am asking them to not only stop reporting this account but also refund me all of the money they took from me and to give me the monetary relief they promised that i never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Dear Sir/Madame, At XXXX of XXXX I sent a payment in XXXX dollars from my account in XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) via the Bank of New York Mellon XXXX It was a payment for buying a car XXXX XXXX XXXX 
Amount : USD XXXX Transaction Reference Number : XXXX This payment was not received by the payment receiver. 
Please, let me know how I can get back my money or deliver money to the receiver. 
Thanks in advance. 
Best regards. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: CO

Complaint narrative:
Report on Transunion and XXXX credit reports showed a new account opened with XXXX XXXX XXXX  XXXX which. I did not open. They resolved this issue at the bank then said for me to contact you to place a freeze on my SS number to prevent unauthorized use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
I was a victim of Fraud At Citibank, they presented 3 Totally Fake checks ( My name and surname are not those on the check, the checking account # does not match, it is from my Savings, the Signature of the other signatory is false, the checking account does not I had a balance to pay, it does not have the due endorsement ) 2 of the checks could be reversed, leaving one pending for {$31000.00} from XX/XX/2022 reported on XX/XX/2022 when I noticed. Being the account BLOCKED BY THE FRAUD DEPARTMENT, on XX/XX/2022 they withdraw {$79000.00} in CASH, leaving my account at " XXXX '' everything is reported to the fraud department, the documents that they requested plus all the evidence that I found have been sent in my account, today 3 months later I do not have an answer or refund of my money... I need help. They are the savings of my whole life and I live from them, I live in 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 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I emailed the XXXX of the bank, expressing the problem, they emailed me back saying that they will try to resolve the issue, but there is no guarantee that it will not be happening again. I'm the one always making those transactions, I never give any of my personal information out to anyone, and I have told them that, I don't know how many times. If this continues, I will leave the bank, and also why can't I apply for a credit card? I get denied everywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance With the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : Account # XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1861c ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1861s-2 ( A ) ( 1 ) A person shall not furnish any information remaining to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America continues to fund fossil fuel growth. Fossil fuels are the number one cause of climate change. Climate change is raising our oceans, killing biodiversity, and threatening our food security. 

Between XXXX and XXXX, Bank of America provided {$230.00} billion in lending and underwriting to the fossil fuel industry, fourth among global banks. Over that period, the banks top fossil client was XXXX XXXX, with {$15.00} billion in lending and underwriting provided ; XXXX was also Bank of Americas top fossil client in XXXX, with {$1.00} billion in financing. XXXX is the # 4 upstream oil and gas expansion company in the world. 

The science is clear that achieving net-zero financed emissions by XXXX means stopping funding for the expansion of fossil fuels. Reducing emissions intensity while increasing financing for the fossil fuel industry and overall financed emissions is utterly insufficient to achieve that target and contribute to a climate-stable future. Investors are growing increasingly frustrated with the gap between the pledges Bank of America and its peers are making and the reality of their plans. This shareholder season, they will be holding them accountable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX history of climate leadership and then unveils XXXX emissions targets which are intensity-only, fully compatible with increases in absolute emissions and massive expansion of fossil fuels, especially expanded extraction of fossil gas, said Rainforest Action Network Senior Climate and XXXX XXXX XXXX XXXX XXXX. Bank of Americas intensity-only targets, which lag well behind XXXX and XXXX best practice, put it firmly on the side of climate delay, when time is quickly running out to cut absolute emissions in half by XXXX. 

Enough greenwashing from Bank of America. There is no more time for lip-service. We must end the use of fossil fuels as quickly as possible and Bank of America must do its part by divesting from all fossil fuel projects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
Using Dovenmehule Mortgage Company : XXXX XXXX. I started an initial loan remodification ( FLEX modification ) in XX/XX/XXXX. 
2. I was told by the company to make 3 payments of the monthly amount and it would be completed. 
3. I followed up in XX/XX/XXXX, and was informed the remodification never started. 
4. They started the re-modification again. I was approved and had 3 trial monthly payments. On the last payment, the representative asked me to pay the approved trial amount NOT the current monthly amount ( short by less than {$100.00} ) and the remodifications was declined from their rep 's inaccuracy. I gave the date and time of call to the Loan Remodification officer I was working with, XXXX XXXX. She informed me she listed to the call. 
5. With the help of XXXX XXXX XXXX  who offers this company as a loan for mortgages, senior XXXX XXXX XXXX, wrote to them because I was being sent foreclosure letters. 
6. I applied for HAF assistance and uploaded proof of mortgage arrears. 
7. The loan modification was approved on XX/XX/XXXX with the condition that I mail in affidavits of identify, interest rate of 3 % and it's XX/XX/XXXX. They say it's effective and approved but have not yet mailed me or the other loan borrower any documents to sign notarize and mail back. 

I need the remodification papers mailed to me : XXXX XXXX XXXX, XXXX NY XXXX My Name : XXXX XXXX My # : XXXX My Email : XXXX My Loan : XXXX XXXX Contact : XXXX XXXX : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation