vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/year> at XXXX, I used a chime credit builder card, and I had to pay my rent on XX/XX/XXXX. I went to an XXXX atm and tried to withdraw {$360.00} to complete my rent money. And they had a time limit which was not even shown on the screen. So by the time I took the money the machine took it back. I called immediately, I made a dispute the bank denied it. I called again and again for two months now, I've been also contacting XXXX and CHIME and they both keep telling me that their claims are open and still waiting for the money. XXXX did their count they know they had my XXXX, yet they refuse to give it to chime to give back to me. I had to borrow money to complete my rent in XXXX due to this incident. And had to work doubles everyday to make ends meet for XXXX. I refuse to go through the same for XXXX. I NEED MY MONEY BACK, I'M DESPERATE!!!! HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Please remove the following items immediately : 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 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX  XXXX - My info got hit by that XXXX XXXX breach, and now my credit report 's got all kinds of stuff I don't recognize. UNPROVEN! You can't just assume those claims are valid without proof.Show me you're following the right compliance standards for this account. The FTC is looking into this. DELETE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Barton Law Group, LLC
State: MO

Complaint narrative:
As of XX/XX/XXXX, this creditor has attempted to garnish my wages from a judgement from XXXX. I was never given the correct notice or opportunity to dispute debt. Only sudden garnishments from my wages. Ive called to reconcile and dispute this issue and has been unsuccessful. Even until now my wages are being garnished. Regardless of XXXX statue on evictions, which can only stay on my record for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently filed a complaint against Chase Bank regarding them not releasing my money that they have had the last 2 months XX/XX/year> and XX/XX/year> XXXX money payments that should of been issued to me already but because I had submitted a claim with them for transactions that I didn't do I had to wait till they were all closed. However on XXXX XXXX I had called the customer service number and they informed me that I could go to the bank and that I would receive my money without problems. I got there only to be told that I wouldn't be able to receive no money because they are still investigating and once it is done then they can issue out payment. So I waited about anothefr week and then I called the bank and I spoke to the lady from the restricted Department and she told me that the last claim was closed and completed on XX/XX/year> and here it was about 2 weeks later and I still hadn't been able to get my money from either the bank and they never sent nothing in mail. So here it is XXXX and I called customer service twice and they told me both times that I can get my money and I wasn't able to. So when I called customer service they said that my account was closed and the branch says that it is restricted and I am not sure on what to do because how can the same company system say 2 different things? If they are holding my money and the account is now closed I believe that is illegal?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C CODE 1692XXXX XXXX XXXX HAS PURCHASED AN ERRONEOUS DEBT. I HAVE REQUESTED THAT THIS ALLEGED DEBT BE REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Dept of Ed/ Nelnet student loan has been forgiven but this loan still shows on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX, XXXX and XXXX ( representing Caine & Weiner ) contacted me multiple times to collect a debt that I don't owe from XXXX XXXX. When I asked them to provide me any proof from XXXX they sent a document that has information doesn't relate with me like the physical address, policy number and policy period. I told them this is not mine but thy couldn't understand me. I tried to tell them I never lived in the address mentioned in the document, I never had that policy number neither the policy period and never driven or owned the vehicle you are talking about. they ignored what I said and kept threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: IL

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, XXXX XXXX Dear XXXX I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Illinois, particularly under XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Illinois state law, including identity fraud statutes relevant to XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Specifically, Illinois law under the Identity Theft Enforcement and Restitution Act underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Illinois state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
upon reviewing my Equifax credit report I noticed that Equifax has allowed several companies to victimize my credit history by running my credit for promotional items that I did not agree to sign up for. As a consumer I do not sign on to promotional items because I know that they are a scam. 
Equifax has allowed these companies to breach my credit profile by erroneously attempting to utilize my personal information to sign me up for financial items I did not agree towards. This breach of data base information has caused me financial distress. 
I humbly request that Equifax respectfully delete these inquiries without harm as soon as practicable. 
Equifax has allowed companies in the past to destroy my credit history without being a responsible overseer of the information to ensure accuracy. in light of this my financial health has been impacted while they make profit. the companies in question upon my Equifax credit report are as followed : 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 In accordance, why I called these companies they stated that never did business with my person and or doesn't require a hard pull upon creditors unless a product is guaranteed to be provided. I was also informed that Equifax was responsible for the misinformation and they bear the responsibility to remove the inaccurate information. 

Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Sent a check on XX/XX/2024 XXXX didn't cash check but sent in late fee and interest When speaking with agent, they said bank refused check. 
Went to bank who wrote letter stating check was never presented. That letter and full explanation were mailed to comenity. Since, more interest, late fees and credit score impacts are ongoing.

4 more calls between XX/XX/XXXX and XX/XX/XXXX to agents who promised to escalate, dispute and address with the dispute department who won't speak to customers directly never fixed. The top supervisor is XXXX, XXXX XXXX has had this issue for several weeks and no action to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I contacted Newrez who became the new mortgage company on several occasions ( XXXX XXXX ; XX/XX/XXXX, and XXXX ). I informed them that they used XXXX property taxes for my property that I purchased in XX/XX/XXXX as a basis to established my escrow. However, that property tax amount ( {$3600.00} ) was established with the previous owner, and XXXX property taxes are already paid. I sent the escrow department ( XXXX times ) a copy of my estimated property taxes for XXXX ( {$1200.00} ) I received from XXXX XXXX and they still have not adjusted my escrow. As a consequence of the estimated higher amount of property taxes, they are increasing my mortgage payments without proper cause starting XX/XX/XXXX. I have also spoken with XXXX persons that said that they would make the correction, but they have not made the correction to this date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Account has been charged off. Affidavit of fraud was sent to company and request for title. Company ignored request and has stolen the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I made a payment of {$2500.00} to XXXX XXXX through PayPal for the completion of a XXXX website featuring dynamic animations and XXXX XXXX, which was agreed to be delivered within XXXX weeks. Despite multiple discussions and agreements, the seller only provided a single, unsatisfactory page design on XX/XX/year>. The design lacked the promised features and was significantly delayed. 

I contacted XXXX customer service on XX/XX/year>, prior to making the payment, to ensure I would be covered for a refund if the service was unsatisfactory. I was assured by a PayPal representative that I would be eligible for a refund in such a scenario. Despite providing all necessary documentation and evidence, my dispute with PayPal ( XXXX ID : XXXX ) was denied. 

I attempted to resolve the issue directly with XXXX XXXX through XXXX and XXXX, but the communications were deleted by the seller. I have submitted all available evidence, including email communications, the initial design submission, and the conversation with the PayPal representative, to support my claim. 

Actions taken by me : Contacted PayPal customer service on XX/XX/year>, for reassurance about refund eligibility. 
Paid {$2500.00} to XXXX XXXX on XX/XX/year>. 
Received an unsatisfactory single-page design on XX/XX/year>. 
Filed a dispute with PayPal ( XXXX ID : XXXX ). 
Provided all necessary documentation and evidence to PayPal. 
Attempted to resolve the issue directly with the seller via XXXX and XXXX. 
Actions taken by the company : Assured me of a refund eligibility by PayPal representative on XX/XX/year>. 
Received payment of {$2500.00} on XX/XX/year>. 
Delivered a single, unsatisfactory page design on XX/XX/year>. 
Denied my dispute and refund request. 
Despite following all necessary steps and providing substantial evidence, PayPal denied my dispute, leaving me without the promised service or a refund. I seek the CFPB 's assistance in resolving this issue and obtaining a refund for the undelivered service.

Company response to consumer: Closed with monetary relief