vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2021, Chime Bank has blocked my checking account and credit builder account and I don't have access to my money. All my payments from the Illinois Unemployment Benefits are being frozen by Chime. I am 7 days late with rent payment because of Chime. I called Chime many times, and I sent them e-mails, and none of my emails have been answered yet. In addition, today is my due date for my XXXX XXXX credit card payment, otherwise they will report missed payment to the credit bureaus and my credit score will down. They are basically ruing my life with this. 

I expect access to my money as soon as possible before I get evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: FL

Complaint narrative:
Hello Ive sent in a dispute on XX/XX/2021 and still no repsonse this is past the timeframe. Listed are the account I placed for dispute. Right now the credit agancies are in violation of response. 




XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.

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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
I currently have a mortgage through United Wholesale Mortgage. I have had a loan with the institution since XX/XX/XXXX. Since the loan was originated, I have made all mortgage payments through the XXXX XXXX XXXX XXXX bill pay function. I submitted an XXXX payment on XX/XX/XXXX. The XXXX XXXX XXXX XXXX confirmed the payment was sent and even provided a scanned copy of the mortgage check showing United Wholesale Mortgage deposited the check, but not to my account. I have made several phone calls with little help. I have faxed, scanned and emailed the check to every person I have been instructed to. I have not received a response nor has the money been credited to my account. As of today, XX/XX/XXXX, my account is still missing the XXXX mortgage payment and they have sent the info to the credit bureau 's. I have all documentation from the XXXX XXXX XXXX XXXX confirming the check was sent, received and deposited. In addition, rather than speaking with an actual United Wholesale Mortgage representative, I am repeatedly transferred to a debt collection agent with no access to my account and put on hold for hours at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to Transunion, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, Equifax, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old.

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
They keep running credit reports ( inquiries ) on my credit report which i did not authorize XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america has declined my claims. I had my debit card lost/stolen out of the country and i disputed these non authorized transactions. Supervisor told me they could not help me because they couldnt reach the merchant out of the country. The bank credit my account and now they are removing the funds from my account which caused my account to be negative a XXXX dollars plus overdraft fees on more than 13 transactions, it is absolutely absurd. They are not willing to help me on this case. I have XXXX balance on my account and they are taking money from my account and leaving it negative more than a thousand dollars.

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 2021-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MECHANICS BANK
State: TX

Complaint narrative:
This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$14000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021, I mailed a letter to XXXX  and Transunion about 4 negative accounts that were removed from my XXXX Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and XXXX  and Transunion refuse to remove them like XXXX did. Also, I have not received a response letter yet and its been more than 30 days.

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 2021-05-11 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: TX

Complaint narrative:
Experian Reporting Agency Someone other than me were able to change the email address in my Experian credit report, But Experian didn't notify me about the change. 

When I try to contact them they have an impossible system that is so hard to get to a live person. But I was able to get to someone and they tell me that my email or any thing for that matter is wrong and hang up. 

It was so difficult to get to someone and if you do they transfer you from one place to another. 

In the mean time, XXXXwo inquiries for credit application was recorded with in a day. But it is impossible to talk to some one.

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 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
I have an auto loan with Exeter Finance and they continue to not report in a timely manner to the credit bureaus. On XX/XX/XXXX they reported the XXXX payment. The payments are made at the beginning of the month. It is XX/XX/XXXX and the reports are only reflecting through XXXX. Additionally, my score dropped b/c the balanced reported on XX/XX/XXXX increased by {$240.00}. All payments for the last 6 months have been made on time and for the full amount of {$390.00}. Therefore, I do not understand how the balance reported was {$240.00} more. The balance reported is showing as {$11000.00} and the balance remaining currently is {$11000.00}. When trying to explain this to anyone at Exeter the best answer that I get is that it is " how the interest posts ''. The interest is {$240.00} a month. However, if I paid the full {$390.00} on XX/XX/XXXX and they reported on XX/XX/XXXX, my balance should have decreased by {$150.00}. This company continues to take advantage of borrowers by reporting in a manner that interferes with my credit score in an effort to keep you stuck in their predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I am contacted by Mitchell D. Bluhm & Associates law firm. For the third time. The first time was approximately 2018 when I made 2 payments of {$33.00} each. My bank refunded that to me. I did not owe them and the bill was medical and they confirmed they only work with one collection agency not the law firm. Now they're contacting me again for an amount that has been paid to XXXX XXXX billing in the amount of {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I noticed there was money taken out of my account without my consent. On XX/XX/2021 someone was able to withdrawal {$1000.00} out of my account without having to use my BOA debit card. Then the person did it again on XX/XX/2021 with the amount of {$780.00}. I couldn't believe what I was seeing. So I contacted Bank Of America with the number provided on the back the Debit Card and spoke with them about this situation. The person I spoke to said they will send me a replacement card and they will do a investigation. I just would like some help to resolve this issue because money was stolen out of my account. I never give the pin to the card to anyone, but myself. I really need that to buy food and pay bills. I am really stressed out. Please help 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 monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage, LLC
State: CA

Complaint narrative:
XXXX from Premier Mortgage called twice today, within 20 minutes. Each time he identified himself as 'calling from the VA Department '. Each time I asked to be removed from their call lists, informed them I was on the FTC Do Not Call Registry, and that there are existing/past CFPB complaints against their company. XXXX said there was nothing he could do to stop calling and that in order to help me, I had to answer two questions because I am a veteran.

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 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
I became XXXX in XXXX. My original lender was XXXX XXXX Due to my XXXX I recieved lower monthly payments. My mortgage was transfered without my knowledge to Fay servicing in XXXX. I continued making the lower monthly payment amount on time to Fay servicing. On XX/XX/XXXX I recieved a notice in the mail from Fay sevicing stating that my loan will mature XXXX XXXX. I had no idea of this. I called Fay servicing seeking some type of assistance with this XXXX XXXXumbo payment, which is now due XX/XX/XXXX. I recieved paperwork dated XX/XX/XXXX to complete a loan modification paperwork along with a hardship letter, XXXX XXXX. It was denied on XXXX XXXX because the invester did not participate in this program. I recieved paperwork dated XXXX XXXX to complete a loan maturity Extension application. I completed the maturity Extension application and fax it to Fay servicing on XXXX XXXX Fay servicing denied receipt of this application and a second Loan maturity Extension application was faxed and emailed on XXXX XXXX. I recieved verbal comfirmation from Ms XXXX, she went on to say the Loan Application was sent to me in Error. This is why I would like to file a complaint with your office. She was unable to tell me why it was sent in Error and there was no supervisor or manager available to help me understand this. I asked Ms XXXX if she could transfer me to XXXX XXXX, Vice President of Fay servicing, after a few moments she returned to the call stating that MrXXXX was not available. I would like Fay servicing to stop giving me the run around and honor the Maturity Extension. 
Your immediate attention to this matter is greatly appreciated Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
My complaint is that the account is reported as {$760.00} dollars past due however i have paid this debt and they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. This account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have paid and attached a picture for you to see that XXXX, XXXX  are reporting correctly but XXXX  continues to show a balance that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previous disputed un authorized inquiries and accounts that are not correct marked charge off and accounts that do not belong 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 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In early XXXX, A person used my bosses email to scam me for gift cards. Said it was for rewards and that he was in a meeting so I couldn't call. I just started a new job so didn't want to XXXX off the boss so did as he asked. I recognized his name as well so again just did what was asked. 

Went and bought {$2000.00} with a debit card into XXXX gift cards and sent him/her picture of the cards. 

Dad came home who is close friends with the boss and asked what I was doing. Told him and he called the boss and that's when we realized it was a scam. We called XXXX to Cancel all the gift cards as I have them physically. We gave them the long front digit code, the passcode on the back, the time and date purchased and the location. Even called TD bank to cancel the DEBIT CARD not my ACCOUNT because I didn't know if they could get my debit card as well. Was just scared of losing all my money.

Have had HOURS of conversations with XXXX and my bank ( TD ) on getting this resolved. 

XXXX did a full investigation and have in their records that this was fraud as it was misinformation for manipulation. You can call the XXXX verification payment number @ XXXX and give them the Customer Id # of XXXX. They have a record of every time I called. 

On XX/XX/XXXX XXXX completed their investigation and found fraud did occur as they saw where everything was being shipped and it was no where near me. They canceled all the gift cards and REISSUED my {$2000.00} dollars back to my OLD debit card. They issued what TD bank calls a " pending Refund '' that requires an authorization code. But since the card is canceled their Merching services or the " Visa Middleman '' is rejecting the refund instantly because the card is canceled.

This is where all these problems have been occurring.

Over the past 2months I've been calling and every time they push the problem on each other. TD bank says their hand are tied because its a pending refund and they never received a dime. XXXX is saying they sent {$2000.00} out and its out of their hands as well. 

I still have the original debit card that was canceled. I have the ORIGINAL bank account number as I never canceled that. I have all the gift cards, the receipts, everything. I just want to get my {$2000.00} back. I am getting close to getting a lawyer and just taking them to small claims court. This is near my last line of hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: AZ

Complaint narrative:
I received an email from Net Spend indicating that a card & materials were returned to them and they needed an updated address. I never applied to this card. I called to get all my information removed and cancel the account/card. The rep would not give me any information but stated that the account would be closed. Someone opened this account fraudulently. I need confirmation it was closed and the details.

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