vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be one inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Tuesday XX/XX/XXXX of 2022, my Chime bank account got hacked and the phone number got changed at XXXX XXXX My money from my savings account {$400.00} was transferred to my checking and sent to a XXXX XXXX whom I do not know or did I allow this transaction. When I woke up immediately called Chime told them what happened they told me to email the support team for the investigation team to look into and I should get my refund pretty much. I explained in my email what happened and what they told me on the phone so they sent an email back saying they will review my account. I also filed a dispute on my Chime account on Tuesday XX/XX/2022 as well, all I got on Tuesday was emails stating they are investigating and I should hear back soon. On Wednesday XX/XX/2022 at XXXX XXXX  is when they sent me an email stating no error occurred therefore no funds will be credited to my account. So I then call chime customer service very confused as to why this happened because I had an unauthorized transaction and I should get my funds. Going back and forth with them talking to a supervisor anyone I can, they said I can file a rebuttal to reopen the claim so we proceed with this on Thursday XX/XX/2022 at XXXX XXXX. I sent a screenshot of the text my phone got saying my phone number for Chime was changed and explained my situation again. I get an email on XX/XX/2022 at XXXX XXXX  stating they reviewed my documents but still finding no error occurred and considered this matter closed. At this point Im very upset, I email asking what can I send to prove my account was hacked and I call chime customer service again and speak to anyone I can to help they all say it isnt up to them its only up to the investigation team and I can only speak to them through an email. As of Saturday XX/XX/2022 I talked on the phone with someone and said I had enough evidence to receive my refund and he then reopened my claim. I sent an email again to support chime services with screenshots and explaining to them I spoke to someone over the phone saying I had enough evidence. On Sunday XX/XX/2022 I got the email once again saying they do not find that I provided any additional information to consider related to my claim and said no error occurred claim is closed. I called again on Monday XX/XX/2022 asking if there is anything else I can do because at this point I am furious this is my hard earned money and nothing Im doing is working to get my money back. They say there is nothing more we can do and they apologize, I emailed again asking what I can do to show any more proof because that is my money and I should get it back. I emailed today asking for documentation showing how they concluded that no error occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 
than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/22 I attempted to wire a payment of XXXX to my mortgage servicer ( XXXX  Bank ) from my Citibank checking account to pay off my mortgage. After multiple days of the payment not being received, I went to Citibank to determine the issue. 

I was told at Citibank the wire was put on hold due to " money laundering '' and that I would have to email a set of answers to specific questions before the funds would be released. I asked to have the funds refunded to me immediately and to cancel the wire, but was told that was not possible until I emailed the answers to the questions ( e.g. purpose of wire, who is the recipient, who owns the company, etc. - XXXX is a publicly traded bank... ). 

I emailed the information the same day and was told the money would be returned to be within XXXX business days in full, including a refund of the wire fees. 

Nearly XXXX weeks later I still do not have my money, and am being told the money is still being held for investigation. 

The money in my account had been there for quite a long time and was paid to me from a business that uses Citibank. I have banked at Citibank for nearly XXXX decades and have previously wired money to XXXX Bank for my mortgage. There is XXXX reason why my transaction would be flagged as " money laundering '' I continued to call Citibank to resolve the issue and keep being told the money will be returned shortly, but I can't get ahold of anyone who works on the issue, or an exact date of when I'll receive my money. 

The fact that I can't have my own money returned to me or get anyone to tell me what is going on while they hold my {XXXX} is bewildering. This has cost me XXXX of dollars in continued interest with my mortgage servicer and dozens of hours of headache trying to resolve the issue. 

I ask the CFPB to please help and force Citibank to return my money and stop ignoring my requests.

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 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Elevate Recoveries, LLC
State: GA

Complaint narrative:
XX/XX/22 A female agent called to discuss a collection that I have. I told her that I can't make any payments until after the 1st of the year. She offered a settlement option and I told her again I don't have any extra funds until after the 1st of the year. Then she began harassing me and continuing to question why I can't make a payment, that I've owed the amount for over a year. I told her I didn't care about that I'm not making any more payments until I can afford to. She begin to mock me, be very disrespectful and unprofessional. I called back and got the same type of response from a different employee. I can't believe people like that represent a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 u.a.c 1681 ) XXXX  ( XXXX XXXX XXXX XXXX collection derog ) XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  XXXX ) XXXX ( XXXX ( XXXX  XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I opened a new account with Wells Fargo on XX/XX/XXXX with a balance transfer request to XXXX of {$7000.00}. I was told the balance transfer would get to XXXX on or before XX/XX/XXXX. Which was perfect as my cycle closed XX/XX/XXXX. I continued to contact WF by chat almost daily and was told the same. As the date was closer, it changed to 10-15 business days from when the funds are released. Then today changed to XX/XX/XXXX ( claiming that is 10- business days since XX/XX/12 ). 

I was a Credit Card XXXX for 25 years so I know how important terms and phrases are so I clarified at each transaction. I made the minimum payment to ensure I did not fall deliquent. I have now incurred interest charges and daily continuing interest due to misinformation provided by Wells Fargo. 

On three occasions, I requested escalation and to speak to a manager. Only on the XXXX request was I told someone from the XXXX XXXX would reach out within an additional 2 days. Wells Fargo has not learned from the errors of their past and continue their deceptive practices. I should not be accountable for these fees after confirmning business vs. calendar days on multiple instances. Then the date changed from XX/XX/XXXX to XX/XX/XXXX. 

My request is to have this balance transfer be processed immediately and be reimbursed for interest accrued on the XXXX card. Had I been given proper information, I could have made changes on my end to ensure I was not accrusing interest. 

I am reporting this as I am certain this is happening to others and others may not be as well versed in banking and credit cards as I am.

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 2022-12-13 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my 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 2022-12-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022, a balance transfer for {$1400.00} was requested from XXXX XXXX credit card to Chase credit card, this transfer was requested to Chase over the phone, as it has done before, the transfer information was stored in the system. 

Chase issued a check, that XXXX XXXX never received, when Chase was contacted, they disclosed that the check was cashed but not XXXX XXXX, the check was made and shipped to the wrong entity. 

Since XXXX, 2022, Chase claims they have been conducting an investigation, they are trying to get the funds back, while I have been paying both balances and accrued interests. 

The interest charges are as follow : XXXX {$18.00} XXXX {$18.00} XXXX {$21.00} XXXX {$21.00} XXXX {$19.00} A formal complaint was made with Chase on XX/XX/2022 and with the XXXX  on the same day and no resolution yet. We feel powerless and that we have hit a brick wall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-13 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: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior XXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I opened a new credit card account in order to buy my son new school clothes in XX/XX/XXXX. I spent XXXX XXXX The first payment was due XX/XX/XXXX. I sent the payment late on the XXXX. It was for XXXX XXXX I understand there is a late fee with interest. However, the check was not deposited to their account until XXXX! almost a full month after sending the check! Ive also since then made the interest payment of XXXX $ now my bank account has been XXXX  up ever since their XXXX and they keep on charging me! When I called and had the girl guarantee me It was all they needed to not charge me again! This isn't right! this is robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I am a handyman and work for myself. I fell behind on my mortgage during the XXXX pandemic due to a decrease in income as people were not hiring contractors to come into their homes. I requested a modification and sent in my information. I use my personal bank account for work. I received a denial stating that my income was below {$1500.00} a month and that I did not have the income to support the loan. I then appealed as my income is in excess of $ XXXX  monthly. I then called my lender to check on my appeal and I was told that my loan was no longer eligible for review. I was told I am unable to appeal the denial decision which is inaccurate. I do not think this is fair. I was under the impression that lenders were not supposed to put you into foreclosure if you had a XXXX hardship. I am in foreclosure now and my lender will not listen to me even when I send in proof they calculated the incorrect income. I would like a fair review with the correct income.

Company response to consumer: Closed with explanation