vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
My bank closed my account with no notice and stated I wasnt elegible for a refund. When I asked why they said I After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the No other reason or explanation has been given. I called and spent 4 hours on the phone and was not able to receive a reason or assistance obtaining my account access or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: TX

Complaint narrative:
The applicable provisions of the Fair and Accurate Credit Transactions Act of XXXX ( FACT Act ), XXXX. XXXX XXXX XXXX XXXX. XXXX, shall be effective in accordance with the following schedule : ( XXXX ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  XXXX account # XXXX XXXX account 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX Canceled My Auto Pay without notifying me, which led to a 30-day late payment report on my credit report. 

During the XXXX  Billing Period, XX/XX/XXXX to XX/XX/XXXX, My Auto Pay setting was canceled, leading to a 30 late date to my credit report. 
Account Summary ( ending XXXX ) Previous Balance {$65.00} Payments and Other Credits {$0.00} Purchases and Adjustments {$0.00} Fees Charged {$0.00} Interest Charged {$0.00} New Balance Total {$65.00} I set up my Auto Pay to pay from my Chase Checking Account ending ( XXXX ). I closed my not-in-use XXXX XXXX XXXXXXXX Checking Account in XXXX due to no usage. 

It seems that triggered a cancellation of Auto Pay from the XXXX Checking, and XXXX XXXX XXXX did not notify me that this was happening. 

On XX/XX/XXXX, I received a notification from XXXX XXXX/ and my other Credit Monitoring Service that my score dropped from XXXX to below XXXX due to a late payment ; I logged in and paid the balance immediately and called on the Same day to resolve. 

I called once again on XXXX XXXX, but nothing was resolved. 
I called once again on XXXX XX/XX/XXXX, getting a complaint number XXXX. Nothing resolved. 
I called in once again on XXXX XX/XX/XXXX, got a different complaint number XXXX. 
They told me it is just a complaint number without a dispute to the credit report. 
And some agent on the phone told me nothing is showing late on my account. 

I got transferred and bounced around different departments and they transferred me to XXXX without even communicating with me. ( I think the late payment report should be corrected by the bank first to all three credit bureau since the late payment was caused by cancelled auto-pay )

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 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
I obtained a XXXX XXXX from Sunlight Financial and discovered that my principal was not decreasing after several continuous months/years of payments. It also appeared the company added finance charges that were not disclosed at the time of signing. The deeper I looked, the more issues I discovered regarding finance charges, payoff amounts, etc. I attempted to contact Sunlight Financial and have not been able to get in touch with anyone. I can not add a new payment method, speak with a representative, or use any other means of communication. It's almost as if the company as a whole is a scam. Other clients online claim the company is fraudulent and is undergoing a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I looked up my my bank account saw charges thats I did not recognize I call the bank citizen bank dispute all the charges ranging from XXXX XXXX {$500.00} all total {$30000.00} thats from my personal account my business account was {$6200.00} all charges was from same company they said they gone investigate they refunded my business account money {$6200.00} but they refusing refund my money from my personal account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was advertised a Capital One Venture Card ( https : //www.capitalone.com/credit-cards/travel-and-miles/? external_id=WWW_XXXXX_ZZZ_ONL-SE_ZZZZZ_T_SEM2_ZZZZ_c_Zg_ef6a76b9-eeef-4dc3-899d-afb032d36fcf_672112728137_667199 & target_id=kwd-26250507191 & oC=CO5ed2SUs1 & gad=1 & gclid=CjwKCAjw6eWnBhAKEiwADpnw9iOWxupBizkY46nBpVeuMe6drU7E6KGR5RC8twP_dO_8bFzG-k-sdxoCARUQAvD_BwE ) and the offer i received was for a 0 % APR introductory fee for the first ( 12 or 15 months I dont remember ). In XXXX I was approved for the card and began using it and making payments consistent with the 0 % APR perk in mind. I saw on XX/XX/XXXX I was assessed a interest charge of {$11.00}. I called up Capital One because I was shocked to see this interest charge. I spoke to some supervisors and they said that actually the card I had been approved for didn't have that feature even though the design is identical, the name is identical and is the same product. Totally evil and deceptive practice on behalf of Capital One. This company is totally predatory and targets the poorest people in society with these rotten deals, they are sick!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My brother passed away XX/XX/. I am the executor and sole heir. He had his house mortgaged with Select Portfolio Servicing. I contacted them for payoff on the loan. I wired the money from my bank. They sent a statement which I attached showing XXXX balance on the loan and {$620.00} in escrow. They released the Lien against the house. I contacted them wanting them to send the money in escrow for me to pay properly taxes. They claimed there was no money. Then they said I had to file a dispute, which went on for 60 days. Now they are saying the last payment they drafted from his account was denied for insufficient funds, so that was not included in the payoff amount. I paid what they said to pay and I think they owe me this money to pay for his property taxes, thats what it was for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am not liable for this collection debt, I have no knowledge of this debt. I don't have any contract with LVNV Funding and no original contract was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We seems to have a problem with JP Morgan Chase, recently we have issue payment to Chase account holders and the withhold the funds with no reason and take days and weeks to release the funds with no excuses. 

On XX/XX/2023 we issue a check from our company for USD {$50000.00} the check got clear from the account the same day from our account at XXXX XXXX. Nevertheless, the funds were not clear at our supplier bank until XX/XX/XXXX. This is an ABUSE! From Chase by withholding funds and abusing from clients. 

On XX/XX/XXXX we send a wire transfer to an individual at JP Morgan Chase for USD {$40000.00} and as of today XX/XX/XXXX funds are not available and they send a message to our bank XXXX XXXX that the wire was XXXX, nevertheless they do not return the money and they play with the funds. There is something going on as it is not normal. 

Not sure if JP Morgan Chase has any financial problem, it is very weird that this is happening, we do understand that banks play with consumer funds, but it seems like Chase is going beyond normal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a Wells Fargo account that is a joint loan with me and my son. Wells Fargo has kicked back payments my son has made and then charged him late fees and processing fees etc... 

They just impounded the car after bouncing back a payment he made. I find this to be extremely fraudulent activity on the part of Wells Fargo. They also incorrectly state on the credit reports that the payments are behind. They also further incorrectly state on the credit reports that payments are late. They are only late because they kick them back then charge late fees. This is pure extortion!! If you look at my credit record it is spotless except for Wells Fargo and they are causing distress and financial XXXX  to me due to this. 

I have contacted them to no avail. It is a pointless activity to try and get someone who can do something about it. I have disputed the activity being incorrect but then it comes back with even more late payments which is retaliatory actions on their part.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
I am in the PSLF process and I have been tossed around between multiple customer service pathways. 

I have met/exceeded the XXXX payments necessary to qualify for student loan discharge through PSLF. 

My original lender was XXXX. XXXX became XXXX- and neither company exists. If you call the hotline- it's now a call center for medical alert buttons. My previous lender ( XXXX ) advised I call the number for XXXX that sent me directly to the med alert process. 

The United States Department of Education says they can only " see '' payments made from XX/XX/XXXX on. XXXX previously sent me a list of all payments made before they acquired them - and while I was with them. I am now with Mohela and have provided all this information to them and the XXXX. 

I guess my complaint is with XXXX and their abysmal record-keeping. I have no way to reach them. 

XXXX- has this information and has released it to me, but Mohela and XXXX won't accept it as " official '' unless it comes directly from XXXX. When I call XXXX - I get long wait times, disconnections, and told to call XXXX ( you know- the company that doesn't exist anymore ). 

I have clearly made payments from XXXX - XXXX and I just need someone somewhere to give me credit for this. I told XXXX if I didn't make payments for that period of time, they would have known that b/c they would have declared me as defaulting on the loans- which never happened. I always made timely payments. I have worked in public service my entire career. 

This entire process has been a nightmare. 

So I am seeking any type of assistance or resolution. I know I am not the only one who is a product of XXXX record-keeping by XXXX XXXX and the United States Department of Education. 

I have entered into PSLF - and my payment counts are " stuck '' at XXXX -- they are only counting the time they can " see '' from XX/XX/XXXXXXXX  - current. I never defaulted on any loans. I have provided my receipts from XXXX multiple times - and Mohela is being difficult by not accepting anything on letterhead from XXXX they send to me as " official ''. 

I'm beyond upset. This program was supposed to help people like me who gave their lives to public service. 

I am a daughter of a US Veteran. 

Please intervene with : XXXX XXXX XXXX Mohela US Department of Education XXXX have been at this entire process since XXXX of XXXX. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
It has been brought to my attention that there has been a fraudulent lien and loan taken on my property at XXXX XXXX XXXX, XXXX XXXX, LA XXXX by Goodleap , LLC. I am demanding copies of all documents that Goodleap , LLC has pertaining to this transaction be provided to me otherwise I will be forced to take legal action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I honestly do not see how this company is still up and running I paid this company off early regardless of the fact that they should have marked this account closed a long time ago when I showed them the contract wasn't fulfilled... I still paid it off through my attorney cause the reputation of the company lies. I sent in proof of payment over and over but they still act like they don't know what is going on..my Attorney and I was told they would defer the payments for that month until the payments were received they sent an email saying congratulation paid in full then turned around sent a bill with me owing more then I paid off its crazy. and B4 u ask yes I did send the email to them as well They said we would get back to never did but guess what I got two bills in the mail and one email saying I need to pay them again ..they added interest and more money to a bill which is paid in full and did I mention this case was closed to begin with yes it's a closed account cause i reported not getting full service of what I paid 4... SO NOW I WAIT AS THEY SAID TO DO SENT INFO OVER 5X IM DONE GIVING THEM THE SAME INFO AND NOTHING IS BEING DONE.. THIS COMPANY HAS SO MANY COMPLAINTS ABOUT THE SAME THING WHY R THEY STILL UP AND RUNNING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Credit Union Mortgage Association, Inc.
State: NM

Complaint narrative:
Credit Union Mortgage Association did not pay our XXXX  flood insurance, although the amount was collected and retained in an escrow account. Thus, the insurance was cancelled. As the policy was now considered a new policy, we lost the contracted insurance amount and the new amount is {$180.00} more per year. The Association takes no financial responsibility for their mistake. The Association also will not allow ( their words are " completely inflexible '' ) us to pay the flood insurance directly, and insists that they must maintain the escrow. They require us to use the flood insurance escrow account, but they did not utilize the escrowed funds as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In early XXXX, XXXX, I was denied the issuance of a credit card from Ally Bank. Ally Bank did not inform me in writing as to why I was denied the issuance of a credit card. It is my understanding that Federal Law and credit card regulations REQUIRE that the issuer of credit cards provide a written letter as to why I was denied credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation