vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
My name is XXXX XXXX, e-mail- XXXX, phone number, XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX my DOB- XX/XX/XXXX, last XXXX of SSN- XXXX. I had my phone, purse, car and everything stolen from me and I was left at a hotel in XXXX OH XX/XX/XXXX I contacted Chime to shut my account down and all they did was shut the debit card down and that didnt do anything but lock me completely out and at that point without being able to get into the app you can access any customer service! So the people that stole my phone and had access to my Chime bank account got my new debit card number and stuff before I did I had to wait for it to come in the mail they got to see it change on the app! All the while Im begging Chime an email asking them to please set my countdown that these people are stealing everything I had again he fell and deaf ears! So after I got all the information together and filed most of the complaint for the unauthorized transactions I got a denial, filed another complaint, I got those denied! Im not even placed all of the disputes because its just so disheartening to have so much taken and nobody listen but for the disputes that I have filed that Ive got denied for no reason! With lots of information that these people left on my phone that got saved in my XXXX account, them texting people saying they had my phone this was their new number, and pic that they took my phone of them in KY while I was still in OH! But the dispute for {$2100.00} was claim number XXXX, the dispute for {$1200.00} was claim number XXXX, the dispute for {$1900.00} was claim number XXXX, Theres no reason with all the evidence I submitted that my claims should not be paid in full and Im not going to stop til they are because they are scammers there self instead of a bank people are supposed to trust in!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: IL

Complaint narrative:
I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX  XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has added a collection item to my credit for years which h I have tried to remove. However Transunion has been irresponsible not following what the law requires to validate debt and has indiscriminately added a wrongful collection to my credit file which is a violation of NY law and Federal law.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX XXXX  card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( XXXX, XXXX, and Transunion ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX XXXX  card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( XXXX, Equifax, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing!

Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: LD Holdings Group, LLC
State: TN

Complaint narrative:
Loan Depot is reporting me 120 days late on an account that was closed when they reported it late. 

The account was closed on XX/XX/XXXX, and they are saying that I was 120 days late in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have requested in writing that all of my old addresses be removed as I keep getting mail forwarded from the old addresses. I only have one address XXXX XXXX XXXX XXXX XXXX SC XXXX, that is the only one that I want on my credit file. XXXX and XXXX XXXX have removed them BUT Experian refuses to take them off my report. PLEASE REMOVE NOW.

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 2022-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I attended XXXX XXXX XXXX XXXX in XXXX and XXXX. Due to multiple class action lawsuits, the schools parent corporation, XXXX XXXX XXXX, went bankrupt and closed every single one of its schools. Previously I had been lied to about the salaries and the availability of work in a career in hospitality. I was told multiple times by multiple people that entry level salaries could be XXXX dollars or more. This was a complete and utter lie and had I known what the hospitality industry paid entry level employees I would NEVER have attended the school. I was forcefully encouraged to " hurry and sign '' loan documents without any explanation of fees and the overall cost of this education. Since I started repayment in XXXX, my original loan amount of XXXX dollars had doubled. I have been paying these loans for 17 years and my total current balance as of today is just under XXXX dollars. I have been paying MORE than my monthly payment amount, and my loans are not even being dented. I feel that I have been taken full advantage of by a horrifyingly predatory company, Navient who services my private loans. 

To date, I have already made nearly XXXX dollars in total payments, and yet my balance remains at just over XXXX dollars on an original loan amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Someone fraudulently Opened Line of Credit Account on mane that worth of {$500.00}, Checking and Saving Account. The Bank name is XXXX XXXX XXXX this Account was opened XX/XX/2022, the Bank Address and phone number is. 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I already called pentagon Federal credit union and they said they will close the Accounts and the Accounts are still Open.

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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Back in XXXX of XXXX the bank had a program that decreases your interest rate so you can pay down your balance on your credit card so I signed on not knowing later the bank will close your card without you knowing so when I found out XXXX XXXX of XXXX that they had closed the credit card In XXXX of XXXX due to a bank evaluation of account in which I dont know they did that after having the credit card for 3yrs and 11 months without a explanation. I was paying the amount that was so plus a little extra and now the credit card is close they still charging me late fees and interest on a close account and taken from my checking account in which I had ask them not too. How can they charge late fees and interest on a closed account that not a fair deal for a Consumer I need help do to that this banking institution is taking advantage of me. Its still showing on my online bank it a open account which is a not correct

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX  changed servicers for their credit card to Barclay 's. During this timeframe apparently my terms and fees changed from servicers because I was suddenly charged a few bucks in foreign transaction fees on my card from the previous servicer XXXX  to the new servicer Barclay 's. I called and cancelled my card. I informed them that I wished to close the account based on this issue when they asked why I wanted to close my account, but they made no attempt to explain or refund the foreign transaction fees on my account. I didn't sign up for an account that had these fees. It was not fair when the servicer changed that the fees increased and changed as well. I did not agree to this.

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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/2022, I applied for an American Express Gold Business Card. I was denied because they reported that I had previous credit cards that were in collection status. In XXXX I conducted a fraud complaint regarding the business card denial with the American Express fraud security department. In XX/XX/2022, American express fraud department confirmed the fraudulent accounts, yet refused to grant the card. I was instructed to reapply. I voiced my concerns that the re-application would cause damage to my credit score based upon the repetitive application for the same card, despite American Express 's confirmation that their denial was based upon incorrect information that was initially acknowledged prior and during application for the business Gold card. American Express engaged in discriminatory practices with the denial of the Gold card, based upon the fact that the applicant is a Veteran and minority business owner and the denial for the Gold Card was based upon a denial factor that the issuing company verified was fraudulent at the time of application. Since the issuer confirmed that the sole reason for the denial was found to be fraudulent ; then this applicant ; like those like him would have qualified for the Gold Card initially. Under normal circumstances, there would be no reason for a reapplication and an identical credit score pull would not be required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with XXXX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if XXXX XXXX  and I have other accounts with this XXXX  XXXX XXXX XXXX - so they have many ways to contact me. However, I never received a bill from XXXX. 
Because I never received a bill, XXXX started to add on interest charges and two years later I receive a letter from Midland Credit that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many XXXX  in our country. 

I would like to find a resolution to this matter. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/22 I made a balance transfer with Navy Federal Credit Union for {$2600.00} to be sent to XXXX XXXX XXXX XXXX XXXX. A week later no transfer had taken place so I called NFCU and was told transfer was made electronically and funds had been dispersed. Contacted XXXX  and was told no funds received?!?! Finally after speaking with literally 7 different people combined from both credit unions and having a three way phone call with all parties, no solution. Now I have 2 balances for same amount thats incurring interest, fico  score has dropped and Im in the middle and no one seems to be concerned. I did speak finally with a XXXX at XXXX Legal Department and she is wanting to speak with NFCU but they are not cooperating! Im am wits end! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
Equifax added an erroneous debt to my credit report which caused damages with a XXXX points credit score drop. XXXX XXXX  spitefully validated a false claim of debt that does not belong to me nor responsible for. The debt is charged off after several years and was removed from my credit file and yet Equifax added it back a few months ago with no legal proof produced by XXXX XXXX as required by law to show the loan agreement or debt instrument to validate the debt. A mere statement by XXXX XXXX  can not be accepted with no proof as acceptance of a statement with no proof violate NY Law and Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XX/XX/2021 a fraudulent credit card account was opened in my name using information that was stolen from me. The amount of credit was {$14000.00} and the balance remaining is {$13000.00}. I have sent them ( FNBO OMAHA ) FTC reports, 609 letters and other info required in order to prove my innocence. XXXX is still reporting it fraudulently on my credit report and FNBO keeps reporting to them as accurate. XXXX XXXX and XXXX has deleted/removed from my report over 2 months ago and the same information was sent to all 3 credit bureaus. They are in violation of US Codes and falsely reporting inaccurate information.

Company response to consumer: Closed with explanation