vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I was quoted a 6.28 % interest rate XX/XX/XXXX. I became under contract XX/XX/XXXX. I was never locked into an interest rate when I became under contract. When I called the loan officer to know what my monthly payment would be ( considering a grant from the bank and seller credit ) I was locked in XX/XX/XXXX at 6.875 %. I questioned the higher interest rate. The loan officer told me I become locked in when I am under contract. I was not given the rate at the time I became under contract. I spoke with the manager who refused to give me the interest rate I was entitled to. The loan officer never asked me to be locked in after I became under contract until I called and asked for the update on my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : ONLINE IN SV - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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 2024-05-09 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
We initiated a wire transfer on XXXX XX/XX/year> for USD XXXX to a not-for-profit charitable organisation in XXXX XXXX we have been supporting for over a decade. Over the years, we have initiated and completed many wire transfers to this charity. The money left our account on XXXX XX/XX/year> and as at today ( XXXX XX/XX/year> ), it has not reached the recipient 's account. On XXXX XX/XX/year>, we received a secure message via Chase Bank saying a correspondent bank in their chain has requested information regarding the nature or vocation of the ordering customer and the purpose of the transfer. We responded to this message with the information required on XXXX XX/XX/year>. Since then, we have sent XXXX requests via the same secure messaging service for information on our wire transfer funds as it has still not been received. In addition, we spoke to someone at the wire transfer department of Chase Bank on XXXX XX/XX/year>. We are yet to have an explanation as to where our funds are, why they have not been received by the recipient, and what Chase is doing to ensure the safe delivery ( or at this stage, return ) of our funds. Chase Bank has been unforthcoming and unhelpful, their only reply and refrain being that they are making enquiries with banks in their chain. As you can imagine, given almost 1.5 months have passed since the funds left our account, this is not longer an acceptable response. A simple XXXX search has made us aware this is not an unusual thing with Chase as there are numerous examples of other customers who have had a similar struggle. This is made especially difficult as we currently live in the XXXX XXXX and getting through to Chase on the phone due to their lack of any worthwhile response to secure messages has been costly and time consuming. 

Please contact us by email in relation to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  Account Number XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
My public record is inaccurate and I attempted to file proof of documents that show a mortgage reaffirmation agreement to the mortgage company, credit reporting systems and court. My monthly mortgage owed is not being reported and tracked and not accurate to the monthly payments I have been making for the past XXXX  years. This affects my credit worthiness and ability to show accurate scores of financial payments being made, additionally affecting my ability to access future loans, refinance and credit score.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My public record is inaccurate and I attempted to file proof of documents that show a mortgage reaffirmation agreement to the mortgage company, credit reporting systems and court. My monthly mortgage owed is not being reported and tracked and not accurate to the monthly payments I have been making for the past XXXX  years. This affects my credit worthiness and ability to show accurate scores of financial payments being made, additionally affecting my ability to access future loans, refinance and credit score.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My public record is inaccurate and I attempted to file proof of documents that show a mortgage reaffirmation agreement to the mortgage company, credit reporting systems and court. My monthly mortgage owed is not being reported and tracked and not accurate to the monthly payments I have been making for the past XXXX  years. This affects my credit worthiness and ability to show accurate scores of financial payments being made, additionally affecting my ability to access future loans, refinance and credit score.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
This happened in XXXX I would use Chime banking. Out of nowhere they closed my account with funds inside. They never provided me a reason why. They did say I had to go to XXXXXXXX XXXX and request a letter, but that made no sense to me. Before they took $ XXXX and I tried talking to support but nothing came out of it. Then sooner later is when my account closed. I tried reaching out on multiple occasions but I never received a clear answer as to why and how I can get my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have submitted to all both XXXX and Transunion my notarized payoff letter and title from XXXX proving my account can not be in charge off status and to remove immediately. XXXX  months later I just keep getting the run around. XXXX has complied and removed the account. At this point both XXXX and Transunion are in violation of numerous section of US Code 15. I just ask that the credit reports update accurately.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Unauthorized inquiries have been identified 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I was with Chime from XXXX. They just closed my account in XXXX of XXXX without any warning or reason. When asked why I never got a clear explanation. In XXXX of XXXX I was issued several refunds by XXXX because they closed down their XXXX project. I was issued various refunds. The portion of my refund that went to Chime was XXXX. 
Well my account with them had been closed so I figured the refund would bounce back to XXXX then I can receive it updated. But the money never left. I was confused because my account was closed according to them yet my refund was in my account with them. So I sent them ID SOCIAL SECURITY CARD and even sent them pictures of me holding a piece of paper identifying myself. 
Practically XXXX phone calls and XXXX emails later I still have yet to receive my refund. They would escalate my calls but it was almost like I was being scammed. 
I'm also receiving reports on my credit that penalize me for a Chime credit account I haven't had nor used in nearly 3 years. 
I have plenty of documentation to back up my claims. Chime never refunded money sent to an account they allegedly closed. I'm still getting negative points on my credit score because I'm somehow still enrolled in their credit card program. 
The customer service is terrible when you call. I had to constantly use old addresses and phone numbers to get access ... .. they updated my information. After over XXXX calls made and the same result I eventually tried to move on from it because it was frustrating and made me feel powerless to not be able to get the situation sorted. 
But I don't understand how my account with them is closed yet there is still activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On this day of XX/XX/year> I was reviewing my Experian consumer report and at that time I see I still have inaccurate & old personal information far as addresses from 2 years or more. This derogatory information is being reported without my permission or a court order. Experian consumer reporting agency policy doesn't supercede federal law.This is a violation of the FCRA 15 USC 1681 ( e ) ( b ) information being reported on my consumer report should be precise and accurate. According to the FCRA 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.There should only be correct precise information being reported by the consumer reporting agencies. 
XXXX ) address XXXX ) name XXXX ) Employment XXXX ) D.O.B XXXX ) telephone #

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 2024-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
I am applying for a new mortgage and used XXXX to compare. XXXXXXXX XXXXl had the best rates. After working through the process with them they are simply a loan broker, being paid a {$4000.00} fee to do a loan through Freedom mortgage. This fee appears to be above industry standard. While reviewing the loan disclosures, Freedom 's disclosure that goes along with the XXXX has no limitation to scope or time. They can pull any tax records " in perpetuity ''. I asked them to limit the scope to applying to this mortgage specifically and limit the time frame. They said no and the form is a GOV document. I said it was not a GOV document it was a lender doc that accompanies the GOV form XXXX. They argued back and forth and ultimately said sign it or the loan won't close. 

The loan officer at XXXX financial also changed my application figures to " make the process easier '', one example was " grossing up '' my VA benefits and removing two other sources of income, despite my asking for it to be documented accurately multiple times. He said this change was made because the lender allowed him to, and they would not change my numbers to accurately reflect my income- though I have to attest to their accuracy. 

I have since read about the CFPB fine against Freedom in 2023, among multiple other bad reviews, and losing their XXXX XXXX. I have cancelled that loan, but I want to make sure other consumers are protected. 

Additionally, XXXX will not let you opt out of " For our marketing purposes- to offer our products and services to you ''

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 2024-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XX/XX/year>, we went into a forbearance on our mortgage we were approved to the end of XX/XX/year> and in XXXX we processed a loan modification with Freedom mortgage. Our first payment was in XXXX. They have reported no data from XXXX through XXXX and then all the sudden in XXXX they show us 90 days past due but then again in XXXX and then XXXX payment on time so we were in a forbearance and we were covered up until XXXX  the end of XXXX, how can we show 90 days past due in XXXX, it doesn't make sense and it didn't make sense to them either but nobody 's doing anything about it and it's negatively impacting our credit we applied for a new home loan and we got turned down

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief