vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2023 at approximately XXXX PM I attempted to use my Chime debit card with XXXX to get a ride back to my hotel and the transaction was blocked 3 times by their security app asking me if it was me making the transaction. This prompted me to call customer service. Looking up their number on XXXX and clicking the link caused me to dial a scammer which I didn ; t know right away. 

I spoke to the scammer agent who got me to install anydesk then got on my phone claiming I had to " connect to their server '' to resolve the Chime security app issue. The agent then proceeded to " test '' my debit card by using the pay anyone feature of the Chime app to send {$340.00} twice to XXXX then another {$140.00} to XXXX. 

After arguing with the scammer and hanging up, the scammer called me back and their caller ID was set to show up as the correct number for Chime support. He was trying to steal more from me! I reset my phone and reported this to the real Chime support immediately and raised dispute number XXXX. I presented evidence to the effect that their security app failed to block the larger transactions although it repeatedly blocked transactions I made which were to reputable merchants and for under {$30.00}. 
Furthermore, Chime uses the same app to send 2 step security login codes which include their customer service number but the " transaction '' security warnings fail to include their customer service number. I pointed this out to them. 

Had their security app worked correctly, blocked these unquestionably suspicious transactions AND included their customer service number as with the security codes this would have been prevented. The scammers are still today operating under XXXX and answering as Chime customer support. 

I have filed two rebuttals with Chime under the same claim, both of which were denied. Their security app makes it difficult for me to use my account at critical moments yet allows scammers to remove large sums of money from my account easily. 

I'm asking for a refund of my lost {$870.00} under regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have been charged several NSF fees to my account and the transactions were declined by the NC State Employee Credit Union. One of the transaction was for my life insurance with the credit union. This charge was attempted twice and declined. I was charge the NSF fee both times. Can the credit union charge an NSF fee and decline the charge? 

I was also charged a NSF fee from the Company for the returned payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the company experian on the date of XX/XX/2023 and froze the card from making charges from when i became aware the day before. They did not take much, so I caught the problem in time and requested my credit report by mail so I could resolve the issue.

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX purchase a XXXX XXXX XXXX from XXXX XXXXThe loan was service by Santander Consumer USA. XX/XX/XXXX I was picking up the vehicle, and there was a problem... and I left the vehicle at the dealer. After contacting Sandtander I was told the dealer started the loan unwind but never complete it. I have contacted both Sandtander and the dealer several times and to date no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am the executor of my brothers estate. He passed away in XXXX on XX/XX/23. There was a large amount of money withdrawn from his checking account from XX/XX/23 to XX/XX/23, which cleared out his account. He is single and no one elses name was on the account. When the US Embassy returned his belongings his card was in the wallet. 
I filed a fraud claim with Santander Bank on behalf of the estate, and received denials from the bank dated XX/XX/23. The bank is stating it is not their fault if someone used his card and PIN number after his death. The bank had been notified he was deceased, however, I was informed they could not place a hold on it until they had a death certificate. I did not receive the death certificates from the US Embassy for over a month due to the fact they had to be translated by the Embassy. I believe the bank should be responsible for the XXXX taken after his death on XX/XX/23 since no on else was on his account and the money was taken fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX 2020, I was a fraud victim. Chase replaced my accounts with new accounts. 
Chase set me up with a savings account that has a monthly fee of {$5.00}. I did not know this. I think they took advantage of my victimization to get me to sign up for something. 
The interest rate on this savings account is ZERO. ZERO PERCENT. Remember, we currently have the highest interest rates in recent memory, some banks are hitting 5 % interest. 

Who would ever want to sign up for a " savings '' account that has 0 % interest and charges a $ 5 monthly fee? Not me. This is unconscionable. Especially since they signed me up and changed my accounts after I was a fraud victim. This is a scam, this is theft. 

I asked them to reverse the fee, they reversed one for {$5.00}. 

If they do this to XXXX customers, they make $ XXXX a year off this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-07-18 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: GA

Complaint narrative:
My Complaint is against Transunion i had a collection removed from my credit report there name were XXXX XXXX XXXX. On XX/XX/2023. An Transunion drop my Score from a XXXX to XXXX XXXX points this has to be fraudulent incorrect reporting i have also noticed this type of reporting done with XXXX an XXXX I would an investigation done on my behalf concerning wrongly fraudulent credit reporting on all three for the year of XXXX thank 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 2023-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I paid my Bank of America credit card on XX/XX/XXXX and I was failed but also it disappeared there is no transaction about it and was charged {$35.00} late fee this month XX/XX/XXXX XXXX paid {$100.00} to my account and it went three like normal. When I check my credit card on the app today XX/XX/XXXX XXXX shows payment failed and late fee of {$40.00}. I had no idea the payment failed and it was through their own app my debt is with Bank of America. I even had auto payments setup earlier this year and they still where finding a way to charge me fees

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 2023-07-18 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my 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 non-monetary relief
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlockFi Inc
State: CA

Complaint narrative:
I've filed a complaint about similar behaviour previously and they laughably denied that the complaint belongs to them, with no evidence that it doesn't. Literally it does, their name is all over it, they are in bankruptcy. check cfpb case : XXXX. Anyway, they sent me another email today in clear violation of my rights as a creditor of blockfi and in clear violation of XXXX  law, and in total contempt for the cfpb requirement to respond to complaints, and against basic human decency. I have included a screenshot of the inappropriate communication. This is harassment, and I am getting extremely angry just by recalling the events to write this complaint. I was going to include more detail, but I am too angry .... Not worth it. STOP XXXX CONTACTING ME BLOCKFI! AND XXXX PAY ME! ALSO JAIL! BLOCKFI IS A CRIMINAL ENTERPRISE AND ALL THEIR COURT FILINGS ARE FRAUDULENT, AND THEY HAVE BEEN ATTEMPTING TO EXTORT/ COERCE ME AND OTHER CREDITORS INTO SIGNING THINGS. I WILL NOT SIGN ANYTHING. FRAUD! FRAUD! FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
Dispute letter sent to company multiple times. Requested documentation was not provided. Debt is now falsely reflected on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Two XXXX XXXXXXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.

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 2023-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I submitted a dispute on XX/XX/2023 about this. It is with Mountain American CU. I have already tried to dispute it with them. Somebody took out a loan in my name, and I did not authorize it for {$1900.00}. Their phone number is XXXX. Their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I took advantage of balance transfer offers from Citibank. One balance was for .99 % a second was for 0 %. both charged a 3 % fee. My 0 % expired on XX/XX/XXXX. I purposely made a {$2100.00} payment which was supposed to be paid against the expiring account. I even called Citibank customer service before I made this payment to make sure it was to be applied against the expiring account and was told it would be applied that way. 

It was not. It was applied against the .99 % balance which is going to expire XX/XX/23. 

I contacted Citibank again and was informed it would be adjusted on my XXXX statement. It was not. I wrote Citibank about this issue and essential received a non response response. Now my XXXX statement reflects a {$2000.00} balance at 27.99 % and a {$1200.00} balance at .99 %. 

I'd appreciate any help you can provide. Thank 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 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
The Radius Global Solutions Company has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from XXXX XXXX. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.

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 2023-07-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. 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 These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TriVerity, Inc.
State: MI

Complaint narrative:
This company contacted my employer on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 — Their investigation did not fix an error on your report
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was unable to make a payment do to the fact that unbeknownst to me UMB locked up my account over a XXXX fee. I've had XXXX tied to this card for years so it shouldn't have been a foreign charge to the card. Went I attempted to make a payment online and the sight stated there are no credit cards associated with this account. After calling in to find out the problem the late fee on XX/XX/XXXX was reversed on XX/XX/XXXX after UMB CC company acknowledging their mistake. But, they also reported me late/missed payment for XX/XX/2023 to all credit reporting bureaus. This has compromised my score preventing me from getting a better rate for an auto loan. I have attempted to get this corrected for over 60 days with no prevail. I've talked to multiple people from their customer service XXXX number including XXXX supervisors of which XXXX said they would call me back and never bothered to do so. At this point I'm needing help getting this false reporting corrected.

Company response to consumer: Closed with explanation