vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: Chime Financial Inc
State: TN

Complaint narrative:
Yesterday when I woke up, I had noticed someone trying to use my card for XXXX at XXXX. That made me instantly go check my account. I noticed SO many transactions that werent mine so my first thoughts was to call CHIME and dispute all of my charges. Usually when I dispute a small amount theres no problem they give it right back, but they definitely aint looking forward to refunding my XXXX that was stole off of my card! They checked my account and saw that my card was being used in XXXX, XXXX  while I was in XXXX, XXXX  spending time with my girlfriend. After disputing all 97 Charges, including the pending ones, he said that they would be in contact with me up to 45 days. After about 40 or 45 minutes, they send an email saying they found no errors and they basically wasnt going to give me any of my money back!! Im obviously devastated and WONT let that much money slip away! Im a single XXXX year old mother that was left with XXXX dollars! Chime will be getting a lawsuit if its not a solution to this! Ill show very little of the proof below of my card being used at the EXACT SAME TIME I was using it in a state 3 hours away and Chime saying they found NO errors because somehow they think Im a shapeshifter and I was living life in XXXX and XXXX  at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX Account/Reference # XXXX, XXXX  XXXX XXXX Account/Reference # XXXX has violated my rights.

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

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 2022-05-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXXXXXX XXXX XXXX  Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXXXXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX Account/Reference # XXXX has violated my rights.

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

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 explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-05-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

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

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.

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 2022-05-27 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: NCB Management Services Inc.
State: MO

Complaint narrative:
This company refused to remove this information off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened checking and savings accounts with TD Bank on XX/XX/2022. I was told my checking account was closed by the fraud department on XX/XX/2022 and the balance was mailed to me via check. However, till today ( XX/XX/2022 ), I still haven't received the check! 

Before they arbitrarily closed my account, the account had been locked by the bank because of some transactions ( money transfers ). For that, I made 3 phone calls and 1 local branch visit to verify those transactions. However, the account was eventually closed by the fraud department, and I never got any reason for the account closure. Then I chose to close my savings account in a branch because I had no patience with TD bank anymore.

Since I haven't received the check for the checking account, I had to visit the branch again. This time, they said they have nothing to do but file another request. They gave me the phone number of the Fraud Resolution department and ask me to make the phone call on my own. On the phone call with the Fraud Resolution department, the representative again filed another request ( sending another email ) to some backend team to inquire about the status of the check mailing. 

I have lost hope to be able to get my money back and feel very exhausted. I regret that I chose TD bank for checking and savings accounts. I hope I can get some help from the federal regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX  publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely. 

I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not. 

XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}. 

At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally. 

Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}. 

Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone. 

I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.

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 2022-05-27 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: VA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  XXXX/XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.

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 2022-05-27 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This company refused to remove this information off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company refused to remove this information off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
For the third time today I have called chase and spoke to a person in there fraud department and they again have said they are setting the alert so I can go in and get my money. I even gave the guy the number so he could call the branch to let them know I am coming in to get the money. I asked for the name of the person at the branch he had spoke to and he refused to give me the name so again I went down to the branch to be told the same thing that no alert was sent and that I would be mailed a check. This is beyond me that chase can actually hold someones money like this cause there is no difference in me getting a check at the branch or one being mailed. I know this is against the law to hold my money like this and not give it to me when there is no problems everything has cleared and been verified there is nothing else I can do and them just closing my account and then keeping me from getting my money this is abuasrd and they need to just pay me like I am asking I really dont see the problem here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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 2022-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
PennyMac is unresponsive to the very program they strongly encouraged me to apply for through the AZ Dept. of Housing HAF program after my loan modification was complete and my monthly mortgage was paid for 6 months in advance. 
The AZDOH HAF program has been trying to get PennyMaXXXX to complete this Hardest Hit Funds program onboarding ( CDF ) paperwork since XX/XX/XXXX. This " CDF '' onboarding paperwork was again sent to PennyMac on XX/XX/XXXX. At the end of XXXX, I received a call from PennyMac informing me a ) they received the HAF paperwork and would be completing it, b ) my account was placed in a HHF status and would be protected from any adverse delinquency action while the process of the HAF application was in process c ) that I had been appointed a single point of contact to work on behalf of Hardest Hit Assistance and that I would only be able to communication with PennyMac regarding my account through this single POC while my acct was in an HHF status but d ) that any overdue payments would not report negatively on my credit report during this process just as they had not been when my acct was in COVID forbearance. They *promised* me my account would not be in any jeopardy. 
HAF told me they have NOT rcvd the CDF paperwork from PennyMac and have resent it to them for a third time last week ( XX/XX/XXXX ). My POC at PennyMac refuses to answer or return calls, I have never spoken to him, and now my XXXX report has been hit XXXX points bec PennyMac is reporting my acct as 60 days past due. I completed the application for HAF assistance on XXXX XXXX, XXXXwhen my mortgage was paid in advance through XX/XX/XXXX. I need PennyMac to honor their promise of ensuring my account ( that I worked very hard to get current and get a loan mod approved for ) is not reporting negatively and is not jeopardizing my mortgage and I need them to work with the AZDOH 's HAF program adjudicator A.S.A.P to get these Hardest Hit Funds approved as it has been *****6 months ago now*****that I applied for this assistance that I am CONFIRMED eligible for. HAF will pay the 2 months now overdue plus a future 3 months of mortgage payments once PennyMac does their part of completing the CDF onboarding paperwork. PennyMac is now attempting to send me certified mail. I am concerned this mess could put me once again at risk of foreclosure. I just resumed working again one month ago after losing my job of 17 years last year due to the pandemic. I am getting back on my feet but this issue is risking setting me back to square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an 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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX account number XXXX 15u.s.c 1681 section 602 a state I have right to privacy 15 u.s.c 1681 section 604 a section 2 it also stated a consumer report agency can not finished account with out 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