vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime Bank Cuts All contact and freezes millions of peoples cards and accounts Chime Bank Cuts All contact and freezes millions of peoples cards and accounts. 
After doing some research being denied going to buy food and just checking my bank balance a couple minutes before, I do a simple check again and see a small notice that says chime had " intermittent issues ''. No further detail was given. 
I did a small search on XXXX and after no email or text or any notification, see a XXXX from chime. Were currently experiencing intermittent issues with our mobile app and website. Card purchases and ATM withdrawals are also affected. Our teams are working as quickly as possible to bring everything back online. 

For status updates, visit * link provided*. Looking through the comments I see that millions of others are experiencing the same issue for hours. No email no notice. People are finding themselves stuck at gas stations having police called on them, having cops called on them at restaurants, missing their sons funeral because of not being able to buy a bus ticket, being embarrassed, ridiculed, and worse. Chime blocked all of their contacts. No phones, no in app chat, no live chat. It was as if they tried to disappear and we had no access to our money. Chime then proceeded to block persons complaining on XXXX hide comments about complaints and ignore us continuously for hours. After 4 hours we still received no email, no phone call or text, no update in communication to tell us what we can expect or do. They still have their communication shut off and gave us no warning or anything as we go throughout our days with no idea of what's happening. Millions having been affected in the worse ways possible. Chime has done nothing to apologize even in the original XXXX  that led us to even know something was wrong. I feel violated as I just got the bank and already feel that I can not trust them with my business. I and hundreds of others that expressed themselves on XXXX expressed their disgust and anger and intense situations online with the company with no action to console or help anyone with their situation. Utter embarrassment and despair. 

How can I and many others take action for the damages caused by chimes questionable and harmful business decisions and actions in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of Identity Theft from XXXX documented from IRS, police reports etc. At the time when the ID theft occurred I had my XXXX account taken over which resulted in the subsequent unauthorized access to my bank accounts and other accounts. In XXXX I was paying TransUnion for there premium subscription to monitor my credit which also included Identity Theft Insurance. As I lost access to my XXXX and still have not been able to access again ( 3 years later ) I was not able to access my TransUnion account or receive any assistance from TransUnion. Essentially my subscription was for nothing. Moving forward I ended up with fraud in several existing accounts and fraudulent accounts being opened with my information. I reported the incidents to police, FTC, etc. I have contacted all the credit bureaus and have been working on restoring my credit which has been an uphill battle. TransUnion now refuses to give me online access to my credit for the REST OF MY LIFE. They refuse to give me anything stating the reasoning for this. I explained this is not helpful, this is hurtful and I need online access to my consumer credit account so I can monitor and continue to clean up the Identity Theft remnants. I placed a fraud alert originally with them XX/XX/2019 File number XXXX. The document I have from them after I filed this initial report states I should sign up for True Identity for XXXX XXXX XXXX yet they are denying me access to the free product. I have no issues with the other credit bureaus and have online access and XXXX XXXX across the board. Today I spoke with XXXX a supervisor at TransUnion Online Services who gave me the REFERENCE # XXXX and told me I have no ability to view or monitor my credit online at all. This is unjust and the opposite of what is stated in the Fair Credit Reporting Act rights of Identity Theft Victims Summary of Rights- that was mailed to me directly from TransUnion and I am writing this because I need access to my credit report online to monitor and have the ability to freeze/unfreeze my credit.

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 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX, I had {$120.00} taken from my account. On XX/XX/XXXX {$20.00} was taken at a XXXX XXXX XXXX {$100.00} at XXXX XXXX XXXX On XX/XX/XXXX XXXX {$50.00} transactions at XXXX XXXX XXXX and XXXX {$71.00} at XXXX XXXX. I did not authorize any of these payments and as far as I can tell they all occurred in New Mexico or Texas. I have never been to either state and was working or in the process of moving during the times in question. I reported the fraud, froze my card, and reached out to the bank that was responsible for the security of my funds to see about next steps. On XX/XX/XXXX, another {$100.00} was attempted at XXXX XXXX XXXX but because my card was frozen it was unsuccessful. The bank ruled that none of these transactions were fraud. They stated there were no declined transactions on the card after it was deactivated, which is inconsistent with a fraud pattern. This was the day after the {$100.00} transaction was declined. I filed for a review and the decided once again that it wasnt fraud. I sent multiple texts and emails asking to speak to someone in the fraud department or a manager and was ignored. I did not spend this money. As I stated i live in XXXX and have never even been to the states where the transactions occurred. Ive had {$390.00} stolen from me and did not get the assistance I needed from the bank. If you are able to offer any help Id appreciate it. Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I just want to report on my Mortgage company, Lakeview Loan Care. This company is the one I chose for my home loan after the initial purchase of our home. Just recently they disbursed my escrow account for a large amount without even consulting me and getting my permission, meaning my signature. And it was a good thing my wife caught it on time. 

I am very disturbed at white they did to me, I felt hoodwinked and swindled off my money. They disbursed my money without permission and tried to purchase a very expensive Flood insurance, which I already have bought from FEMA. It just made my heart sank that they can do that to me, of my hard earned money. Please do something about this. We called them and they say that it will take 10 days to return my money to my ESCROW. Imagined grabbing my money behind my back, and making me wait for 10 days to return my money to me.

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 2022-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit acceptance corporation fraudulently misrepresented the loan that was allegedly financed by the company as a loan to the Buyer when in-fact it was a loan to the Dealership that they have employed unfair and deceptive practices to get the Buyer to pay the Dealership Loan through collections. Credit Acceptance corporation knows that it is a Lender to the Dealership but would have the Buyer believe it weren't so. The alleged amount financed is not True statement under Truth in Lending but rather they only pay 43 % of the alleged amount financed to maximize economic profits. The reason Credit Acceptance Corporation does this is because they only expect to collect 64 % of the alleged amount financed which is nothing more than the loan that they made to the Dealership for the rights to service the contracts.

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 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
i did send XXXX notices to this corporation trying to provide remedy and did ask how i am to pay since XXXX XXXX  notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: NY

Complaint narrative:
I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but two of the accounts " XXXX '' and XXXX XXXX  are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
If you look at the dates of last activity, the dates across ALL 3 credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL 3 credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL 3 credit bureaus, which violates the law ; if you look at my XXXX  Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: NY

Complaint narrative:
I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but XXXX of the accounts " XXXX '' and XXXX CARD are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

If you look at the dates of last activity, the dates across ALL XXXX credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL XXXX credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL XXXX credit bureaus, which violates the law ; if you look at my XXXX Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2022-07-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 customer Reporting agency cannfurnish 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 2022-07-24 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: V and H Portfolio
State: FL

Complaint narrative:
XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: EQUIFAX, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

This account does not belong to me. I was added as a temporary authorized user and was previously removed by the primary account holder of this account. I have attempted to rectify this issue with the company to no avail or proof providing this account was opened by me and belonged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. 

THE ACCOUNT ON MY CREDIT IN QUESTION IS CALIBER HOME LOANS. 

MY ACCOUNT IS SHOWING ( 18 ) LATE PAYMENTS ( 120 DAYS ) WHILE I WENT THROUGH A FORBEARANCE PROGRAM THAT I WAS TOLD WOULD NOT AFFECT MY CREDIT AT ALL BUT IT DID. 

I HAVE TRIED TO FIX THIS PROBLEM BACK ON XX/XX/XXXX. NO RESPONSE AND MY CREDIT REPORT REMAINS THE SAME. 

ON XX/XX/XXXX, I CALLED AGAIN AND WAS TOLD THE FORBEARANCE PROGRAM WOULD NOT AFFECT MY CREDIT SCORE. THEY SAID IT SHOULD OF NOT BEEN REPORTED ( 120 DAYS LATE ). 
THIS HAPPENED IN XXXX AND XXXX. 

THEY ALSO CONFIRMED THEIR RECORDS SHOW ALL PAYMENTS MADE ON TIME. I HAVE ACCOUNT STATEMENT SHOWING EVERY PAYMENT WAS ON TIME. 

I WOULD APPRECIATE THIS TO BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY. 
THIS HAS CAUSED ME FINANCIAL HARDSHIP FOR NO REASON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon review of my Equifax credit report I noticed these unauthorized credit inquiries : XXXXXXXX XXXX  / XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/21 XXXX around XXXX my wife and I went to the ATM at Fifth Third Bank to deposit my bonus check from my employer. I signed the check and wrote " pay to the order of " Them my wife signed it. ( Which is how the bank has told us to do it the past. I am not on the account. The transaction was complete the check was deposited and we waited for it to be available. The next day at XXXX still not available. So wife calls the bank and was told bank rejected check. Asked why was told payee not on account. Okay can we have the check back was told no .. that a legal copy of the check would be mailed to us. NEED OUT MONEY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recieved an email in my junk files from a debt collection agency named Resurgent Captial Services in XXXX of XXXX stating that I was given a credit card with XXXX XXXX XXXX in XX/XX/XXXX and was closed on XX/XX/XXXX. They say the charge-off amount was {$440.00} and went up to {$600.00} with interest. I'm guessing that the debt collection agency added thier own interest because they say I owe a grand total of {$700.00}. I asked for a DEBT VALIDATION LETTER and which I recieved some sort of vague printout on XXXX XXXX and I responed with a DEBT VERIFICATION LETTER disputing the debt. I sent the letter via certified mail but made the mistake of not asking for a return receipt request. Resurgent sent me another printout and I once again sent a debt verification letter in XXXX of XXXX, this time with a return receipt request. From XXXX of XXXX to XXXX of XXXX it has been the same. I've also informed them of the STATUE OF LIMITATIONS involving the debt in question but they keep sending me the same printout. I sent a cease and desist letter in XXXX with another return receipt request and recieved yet another printout. By law they're supposed to either drop the case and move on or tell me what type of legal action they plan to take against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called XXXX, XXXX and TransUnion and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.

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