vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I provided my social security number and opened a new checking account with Chime.com ( https : //www.chime.com/ ) on XX/XX/2021. 

Immediately, I received a welcome email stating that my account had been opened successfully. But then the very next day when I tried to access my account online, it stated that my account has been locked and I should email XXXX to unlock it. 

It never provided any reason why the account has been locked. I never received any kind of email, or was contacted in any other way, with any kind of explanation at all. 

Following their instructions, I emailed XXXX on XX/XX/2021, asking them to unlock my account. But I received no response whatsoever, no even an acknowledgement that my email has been received. I emailed them again on XX/XX/2021. But thus far, I still have not received any kind of response from Chime. 

I am beginning to suspect that Chime may be just a scam to get my social security number and personal information, and is not a valid, trustworthy banking institution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM at XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the about of {$470.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Wed, XX/XX/2564 BE at XXXX XXXX  XXXX XXXX XXXX wrote : I paid for XXXX XXXX XXXX services and during the year I had this protection my info was breached on the dark web 19 times. Ive been dealing with payday loans being taking out in my name XXXX Kansas and all kinds of other identity theft issues. I want to know how to pursue the id theft insurance premium that was guaranteed as part of my membership, as Im not satisfied that my info was kept private or protected. I suffered lost wages from not being able to work, had to pay for credit repair services, unauthorized transactions and accounts jn my name, and other issues tied to these data breaches. Now I heard t mobile has one, which I had last year and also have a ridiculous bill I need to dispute on my credit report. Please see attached for examples.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
Prestige financial keeps showing my account as a new date over and over. 
The account is a write off as of XXXX possible the first of the year XXXX, Prestige is showing my account as of XXXX XXXX. 
This this showed back up on XXXX XXXX in XXXX. And they are adding onto the amount showing a late fee. 
lI have disputed this through XXXX XXXX. They did get this taken of in the previous attempts that Prestige went back in a placed a different date on the account. 
Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Neighborhoods United, LLC
State: PA

Complaint narrative:
I had paid off the property and they still have not sent my deed to be recorded the lender seems to have taken care of everything on his end AHP servicing is supposed to record the deed and has not been done yet. The property was paid off XX/XX/2021.. I have contacted a XXXX XXXX numerous times to take care of the issue they are not returning my phone calls ahp servicing # XXXX slow Mo is The gentleman in charge!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MD

Complaint narrative:
I was purchasing a motor scooter with a company out of California called XXXX XXXX XXXX XXXX. Using their lay away payment program. I made the initial payment of XXXX which is the shipping fee. I then made two more payments one of XXXX another XXXX first payment cleared my bank chime acct other two were pending hit next day but were declined because my bank put a merchant block on. Called bank they didn't give me reason why. I then look XXXX XXXX XXXX up on XXXX XXXX XXXX there were complaints after complaint that this company is a scam. So ive tried getting refund back with company but no luck. I tried filing a dispute with chime but yhey refuse to do dispute because one i authorized transaction two i hadn't pd for the complete total of item and not being delivered my argument with bank is they put a merchant block on that company therefore keeping me from making full purchase amount agent tgen wa going to see about removing block so i can finish making pauments on full to a company known to be a scam and my bank chime apparently also knows the company is a scwm or why else put a merchant block on. To be ably to do a dispute for XXXX dollars which i think if allowed by bank to knowingly keep making payments to a company known to be very fruandulant is just stupid so you as cinsumer can fike a dispute. I think chime because they put a merchant block on keeping me from.fullfilling payments should allow for dispute to get refund of the XXXX they allowed to clear they knowingly allowed one paymebt to go thru before applying the merchant block therefore they should be held liable for saud amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Jpmcb Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Inaccurate and fraudulent accounts from my credit 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 2021-09-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: OR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: LA

Complaint narrative:
I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I closed on a new mortgage in XXXX. Several checks were issued from the cash out refi to pay off debts. As of today, XX/XX/XXXX, I contacted Rocket Mortgage regarding one of the check that was issued in the amount of {$2800.00} to XXXX/XXXX. I sent the payment to this company on XX/XX/XXXX. After much investigation they said it was returned from their bank as it needed to be issued to : XXXX  - XXXX XXXX XXXX, or preferably sent electronically. I contacted Rocket and spoke to many people including XXXX  via chat who stated they will not change how the check was issued. I asked them to contact the company even to verify and they will not. I said so basically Rocket will not pay me or the company correctly yet I am supposed to pay on this mortgage for funds that were not actually disbursed. I was disconnected without any further help. What am I supposed to do now??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
We receive 2-3 calls from " Credence '' daily - sometimes the calls start before XXXX XXXX, and the latest was received after XXXX XXXX The calls go to our land line, which we never answer unless it's someone we know. I finally looked up Credence online, trying to figure out where that city was, but in doing so, I found out that it is a collection company with a history of scamming people. We have NO debts or outstanding bills. Credence never leaves a message, so we KNOW it's a scam. Please put a stop to this annoying harassment and put these scammers out of business!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I consumer XXXX XXXX extended my credit to CAPITAL ONE by giving them my credit card in order to create the account. When I used my credit card I sold CAPITAL ONE security interest. I am the original creditor and I do not owe this alleged debt. I don't have a contract with CAPITAL ONE. In order for a contract to be valid, the meeting of two natural minds have to meet in which CAPITAL ONE DID NOT. This alleged contract is fraud. CAPITAL ONE refused to send original documents or to provide a documentary trail of where the credit came from and to show where CAPITAL ONE gave me the money from their account. I've sent CAPITAL ONE a cease and desist several times and they refuse to stop all communication through any medium under 15 USC 1692c ( c ). I do not have to qualify for a cease and desist as CAPITAL ONE says. I am the consumer and I am federally protected. This debt collect is harassing me and using abusive language that is offensive to me as the consumer. I demanded for CAPITAL ONE to send the holder due course of this account and CAPITAL ONE refused. I demanded to know the finance charge and CAPITAL ONE refused. I demand for CAPITAL ONE to validate this alleged debt and they failed to do so. I demanded that CAPITAL ONE stopped reporting my non public information under the privacy Graham Leich Bailey Act and they refused. I the consumer am the only natural person who can offer and extend credit under the provisions of 15 USC 1602. A finance charge is involved and its the sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX i filed a complaint with Banana Republics CC regarding being charged for a few orders that were not delivered and state and state on their website that the orders were not delivered and retuned back to sender. This has been going on for months and to date they have credited one of the orders, but still owe me a credit for {$98.00}. 

The order shipped via XXXX on clearly state on the website that it was returned to the Sender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am a XXXX XXXX and only get paid 10 months a year. We reached out to our mortgage company for help. We just needed temporary help because once my regular salary returned, we would be okay. We made three phone calls. The first call, they said they could do an extension where they add the payment to the end of the loan. But I needed to call back when I was officially past the due date. I called back after the due date and they said there was nothing they could do to help, and they couldn't do an extension. I was furious. I said that this was a VA loan and there was something they should be able to do. Again, they didn't offer any options. My husband called and they also told him they couldn't do anything. My husband had to search online on the website to find out about their mortgage assistance program. We didn't learn about it from them. We did everything we were supposed to and that took so much work. Every time we submitted the requested documents, we would get a notice they needed more. It took probably 2 months just to get all of the documents in. Then I get a notice that there was a negative hit on my credit report. The 30 day overdue payment had been reported. I thought it was an error because their website said the underwriting is paused while you are applying and they are reviewing your application. I had not received a notice that the mortgage assistance application had been denied. So I decided I would wait a few days and call and get it worked out. Then I got what they called a certified letter in the mail five days later ( and it definitely wasn't certified because certified requires a signature ). The letter said we owed them the payments we missed. The same day we received the notice that our application for mortgage assistance was denied. So instead of them reaching out and informing us that the mortgage assistance was denied, explaining why, and giving us the opportunity to make a payment ; they sent a letter to attempt to collect the debt, reported the missed payment to the credit reporting agencies, and then notified us that the application was denied. To top it off, I was like, I don't want to lose our home over a couple of months of temporary challenge so I went to make a payment. I had just applied for mortgage assistance and they were requiring me to make two months worth of payments. That is over half of my monthly salary. And although I have a partner, because I make more money than him, I pay the mortgage. And for us, that works. That lacked compassion and understanding. And lastly, today my husband got a debt collection message from them. Our entire experience has been horrible. We have received misinformation and they have done some unethical things that have been financially detrimental to us. On a personal note, this is the second time a company has hurt my credit score because of something they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank received an order to cease and desist for two accounts they alleged were mine, the letter also requested for the name and address of the original creditor pursuant to FDCPA. Chase bank confirmed receipt of my cease and desist order on XX/XX/XXXX, where they stated they stop contacting me. Chase Bank also provided a false and misleading document as verification, stating that the past three billing statements sent to me separately will confirm my account. 

FDCPA states that when you request the name and address of the original creditor, that they must cease collection of the debt until they obtain verification or a copy of a judgement. I affirm I have not received any proper verification or a copy of a judgement stating that I owe Chase Bank the alleged debts. Additionally, Communication by definition in the FDCPA 'means the conveying of information regarding a debt directly or indirectly to any person through any medium. ' Chase Bank has continued for the past 12 months to communicate with several credit bureaus information which failed to be verified. Chase Bank is ruining my credit score, and hurting my reputation and ultimately limiting my ability to engage in commerce and provide for myself and children. 

To make matters worse, Chase Bank closed my account and I received notice XX/XX/2020. Chase Bank is engaging in discrimination. I exercised my right given to me under Title 15 Chapter 41 as a consumer, to request verification and the name and address of the original creditor. Instead of following the Federal laws, Chase Bank discriminated against me and took an adverse action against by closing my account. 

Chase Bank failed to verify the debt, they continue to report false information, are discriminating against me and harassing me through third part debt collectors.

Chase Bank also has sent me several emails relating to my consumer report. effectively violating the cease and desist order again. Since they processed the order on XX/XX/2020, I have received over 15 emails from Chase. I have also received over 10 " Billing statement '' attempting to collect a debt.

I have kept a record of the several Federal violations, fraud and criminal activity Chase Bank is engaging in. I am prepared to sue Chase Bank for their continued efforts to extort, rob, harass and oppress me. However, I would like to handle this matter in good faith and hope that Chase Bank will too.

Company response to consumer: Closed with explanation