vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Grow Credit Inc
State: MS

Complaint narrative:
Hi on XX/XX/XXXX I noticed an email from this company stating they reported on time payments with them. I emailed and asked what is the service because I do not recognize the company nor do I recall signing up a virtual subscription credit limit of {$17.00}. I asked for the account to be deleted and cancelled. As of now they havent done so and instead of rectifying the problem over XXXX representatives have emailed me about not closing the account and telling me that I had to have sign up for the account. Again I do not recall it and neither have seen this on my credit report. Now I asked for a PASSWORD RESET. It said the reset code will go to a phone number. I DO NOT HAVE ACCESS TO THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT and I told them that XXXX. So how can I close an account if i dont have the phone number nor do I know the phone number and no im not updating the account nor information to do so. Therefore I asked them to cancel the contract and close the account since they are the ones who can see what Im not able to see. They are the ones sending out emails talking about congrats on an on time payment when Ive NEVER used this at all. They claim it was opened in XXXX and again. I do not recall such thing happening nor me doing it. What is so difficult about closing an account? I also gave the dob and zip code and this support person says they will get back to me when they are able too. Like look XXXX nobody has all day for the XXXX Delete and get this over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022, I lost my Chime debit card. I made the initial request to receive a replacement card the same day. A week later, there was an attempted transaction which was declined due to the perpetrator not knowing my personal identification number. I informed the company via email and they did nothing but parrot the same requests for identification which was once again provided upon request. On XX/XX/2022, Chime was sent all the info requested including a photo of me holding my current State ID card to confirm my identity ; as they requested. Simultaneously, numerous emails were sent attempting to resolve the issue, including re-delineation of my XXXX ID and all other info requested by Chime. The company kept requesting the same information, by different representatives, after it was already sent via email. The amount in question is approximately {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: MS

Complaint narrative:
This complaint is being filed due to XXXX XXXX XXXX XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, TransUnion, and XXXX in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXX XXXX  XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer 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 non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This complaint is being filed due to XXXXXXXX XXXX XXXX  XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, XXXX, and Equifax in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXXXXXX XXXX  XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This complaint is being filed due to XXXX XXXX XXXX XXXX XXXX has fell to correct the inaccurate late payment that being furnished to Experian, XXXX, and XXXX in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXX XXXX XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX  XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer 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 2022-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX- XX/XX/XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX A XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX OF TO Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Dealers XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMORGANCHASRE BK NA and its associates XXXX XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. 

Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. 

They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. 

They also set up a separate company to handle the property taxes as part of the cooking of the books processes. https : XXXX XXXX/ Note XXXX seems to be this years new number of increases to monthly billing. 

Please see prior complaints # XXXX and XXXX They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the capitol building. Unknown, Unconfirmed, Unverified. 

JPMORGANCHASE BK NA role is they refused to tell me who they paid this amount to see canceled CK attached. That XXXX XXXX said in its responses to complaint XXXX that they as of XXXX XX/XX/XXXX 22 did not receive and payment for the shortage and/or the cashiers CK attached to that complaint. 

So, either they are not being truthful or JPMORGANCHASE BK NA allowed fraud to occur and some other entity other than the named entity on the cashier 's check to cash it. The Cashier 's Check pay to order was XXXX XXXX the check was cashed on XXXX XX/XX/XXXX22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: FL

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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : 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 1
5 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: MS

Complaint narrative:
Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, Trans Union and XXXX has been reporting inaccurating information to 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 2022-12-10 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: MS

Complaint narrative:
Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, XXXX XXXX and Equifax has been reporting inaccurating information to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint for Transunion Credit Reporting Service. I have a discharged mortgage account that just re-appeared on my Transunion credit report only. I filed Bankruptcy on XX/XX/XXXX with case # XXXX. The discharge was ordered on XX/XX/XXXX. The bankruptcy process was long however, I this account was included in bankruptcy for XXXX XXXX years. The other XXXX major credit reporting agencies { XXXX and/or XXXX ) are reporting the account as " Debt included in or discharged through bankruptcy XXXX XXXX '', or have been removed from my credit report. I am attaching a copy of my XXXX credit file showing the account in question. I have already tried to dispute this item however, it was not processed. I am attaching a copy of the dispute request for Transunion.

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 2022-12-10 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I've had this credit card account ( XXXX XXXX ) with Comenity since XX/XX/2022. I've been using it and paying on time. They have not yet reported this account or my activity to the XXXX credit reporting agencies. This is effecting my utilization and payment history negatively. They said it was due to their system problems. I opened a dispute with them on XX/XX/2022 and got a confirmation from them. They said they would have it resolved in XXXX  days. I reached out after 30 days and they are not responding. I need my activity reported. I've also requested a credit line increase and haven't heard anything from that. They are not fulfilling what I feel are requirements under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was physically attacked on XX/XX/2022. My purse and keys were stolen during the attack. During the attack, they took my phone in my purse with all of my identifiable information in it. I used someone else phone to contact chime customer service to deactivate my cards but they refused because they said I could not authenticate my account. The Chime customer service rep had asked me to verify XXXX transaction from that day. I knew I had just gotten paid so I advised him of the amount of my check. And he said that he could not find the transactions. I attempted to call back and do the same thing twice. But they would not allow me to do so due to issues with the authentication. I was not able to file a dispute until the XXXX when someone was able to finally see the deposit. As a result, all of my money was stolen from the account. I submitted as much evidence as I could including a claim ID for the police report and my work schedule with the clock-in times. I believe they decided this was not sufficient because my job is based in a different time zone. I have to be at work at XXXX XXXX  mountain time which is XXXX oclock central standard time. Also, the representative that without the dispute included transactions that were automatic payments for some of my bills. When I ask her to fix it she said that she couldnt because it would automatically be denied my claim and I would not be able to Refile it. I had sent it to reach out to the merchants that she was not supposed to include in the transactions but it still resulted in my revolving account being shut down. I believe lithisbis the reason that my claim was denied. I also included a rebuttal asking for the claim to be reopened. I also asked for documentation regarding the dispute which they refused to give me. When I emailed the dispute specialist was informed that she could have noted the account so that the claim could have reflected my statement regarding the automatic transactions. It's been a nightmare trying to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: VA

Complaint narrative:
The following accounts have violated my rights. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states 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 ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-12-10 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: VA

Complaint narrative:
The following accounts have violated my rights. 
XXXX XXXXXXXX XXXX Dept ed XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states 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 ante cedes the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A modified loan was made, I > payed {$500.00}, and an additional loan, XXXX XXXX  resulted, XXXX because of the fraud not handled. I was told by XXXX for the XXXX next 4 months not to send in the payment, wait for the > papers to come in the mail, and XXXX I owed nothing. At the XXXX same time I was being called in the XXXX month, that I was > behind XXXX payments. The agent saw the file, and said, no, I > was fine, and do not pay until the loan papers came, and I > owed nothing behind. Fraud, misinformation, resulted in > foreclosures, higher payments, additional loan. I was > victimized and I recently~ applied for FHA loan, but XXXX  has > late payments on m~ record. If XXXX took this off, I could > pay all of the loan ir 20 days. If XXXX  gave me a letter XXXX addressing what happenned to me, I would qualify for the FHA XXXX loan. > Print - Close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: FL

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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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