vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/, at XXXX XXXX, I received a notification from Chime that there was a pending charge for {$2200.00} via my debit card at XXXX XXXX store # XXXX in XXXX, WA, and the money was removed from my account. I am in XXXX, California, not Washington, and my debit card was still in my wallet. I have never been to a XXXX XXXX in my life. I called the store, who told me to call my bank and file a police report. I called Chime to file a dispute under their Visa liability policy and they said since the transaction was still pending, there was nothing they could do until it either expired or settled. I filed a police report with the XXXX Police Department. I called XXXX XXXX back, and I gave Loss Prevention the case number from the police. I also called Chime to give them the case number. Once being transferred to a supervisor, she said they could not take a case number until the transaction was no longer pending. The next morning, my Chime app said the {$2200.00} was still in the pending phase, meaning my bank could do nothing. So I called XXXX XXXX customer service to see if there was anything they could do. They created their own case number for me and they were able to look at the receipt and see that it was three XXXX XXXX money orders that were purchased. I called the store location and let them know this, to which they were able to tell me the purchase numbers for the money order. I called XXXX XXXX and told them about the fraudulent money orders and they put in a request for a stop on the money orders, as well as created a case number. The transaction was still in pending, but I called my bank back and Chime told me the amount was now settled, despite it saying pending in my app, which meant I could follow through with the dispute. I was transferred to dispute who then transferred me to Members Services who then told me they could not dispute this claim, despite Chime having the Visa liability policy, and I would need to request a refund from the merchant. I asked why and they could not give me a clear explanation. I asked for a supervisor, and was put on hold and then hung up on. I filed a dispute anyways via my Chime app but at this point and time, my money has not been returned, nor have I been given a credit to cover the missing funds, which is what is promised under the Visa liability policy Chime has in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
DNF Associates, LLC, is debt collector, who filed a lawsuit against me on XX/XX/2023, I first found out about this lawsuit and Default Judgement on XX/XX/2023 after searching court records. DNF Associates, LLC has never communicated with me about this debt. I never received from DNF Associates LLC, who is a debt collector a validation notice, that is required by law, that would state the amount of the debt, that I could dispute the debt and who the original creditor was of this debt pursuant to 1692g of the FDCPA. I was never served with a complaint and summons, and have no idea what this matter is about. DNF Associates LLC obviously used false service, as this matter is not in the same district that I live.

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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am still in my program. I called MOHELA and spoke with a representative. I asked if I can pay off my interest as I begin to accrue it, now that it has begun again. They said yes. Since I am not yet having to pay my loans back, the payment I make will go towards my interest. 

I make the payment in XXXX for the interest amount. I go to make XXXX payment and realize XXXX payment when towards the principle not the interest. 

I call MOHELA for day and days and nothing but a 3 hour wait. I am working during the week I can not be on the phone for 3 hours. 

I understand that I can call and speak with someone and pay over the phone and pay my interst that is accruing DAILY. 

But I can not get ahold of anyone. 

Meanwhile my interest is ballooning. 

This is PREDATORY. If there was an easy way for me to pay my interest this would not be a problem. 

WHY IS THERE NOT A WAY TO PAY MY INTEREST ONLINE? 
HOW CAN THIS BE POSSIBLE THAT I HAVE NO CONTROL OVER MY LOAN? 

I wrote a memo with special instructions for a payment and mailed in through the postal service with special instructions to put the check written to MOHELA towards my interest then any left over towards the principle. 

I will have to incur the expense of {$5.00} ea month so that I can guarantee my interest be paid each month. 

I also emailed MOHELA and have not erceived a response. 

My interest accrues daily. I have a plan to keep in manageable by paying it off monthly. 

IF I HAVE NO WAY TO PAY IT OFF MONTHLY. I will no longer be able to manage it and get into debt that I can not pay off and I will be crippled. 

THIS IS PREDATION. and if I am experiencing it so are SO MANY THOUSANDS OF OTHERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: CT

Complaint narrative:
My checking account with Upgrade was supposedly closed, however, the message shown when signing in states deposit accounts suspended. I request account fully closed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
account number XXXX, credit acceptance has illegally hiked payoff prices increase of XXXX less then 2months last pay off request was XXXX off a 4XXXXloan today as of XXXX XXXX the loan pay off is XXXX and a past due balance of XXXX in which the creditor has recieved XXXX in total since the last payoff request the creditor is guilty of fraudulent practices of consumer finance

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
see attached. 

Transunion continually ignores my disputes, there are items reporting on my credit report in error, I sent disputes along with an FTC report and received a generic response back.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I recently check my credit report and there were several unauthorize hard inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: AL

Complaint narrative:
I recently check my credit report and there were several unauthorize hard inquires on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-10-13 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: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NV

Complaint narrative:
XX/XX/XXXX Contacted Mohela, asked to be placed on XXXX as soon as plan was unveiled, submitted income certification. I had previously been on XXXX  for my XXXX loans, and graduated from XXXX  school during COVID pause so my XXXX  loans were on LEVEL, thus they changed ALL of my loans to XXXX  XXXX Payment on website updated from XXXX  to XXXX, {$250.00}. 

~ XXXX Payment on website changed back to XXXX, {$1300.00} ... this should not have happened and I have no idea why it did. 

XX/XX/XXXX Contacted Mohela, told them I can not make that payment, place me on XXXX. They said they could see the error on their end and they would expedite getting it fixed. I said if it does not get expedited on time place me on ADMINISTRATIVE FORBEARANCE. This was communicated THREE TIMES over the course of the phone call. They obliged and said they would accommodate my requests. 

XX/XX/XXXX I didn't see any changes during this time on my account so I contacted Mohela, they told me administrative forbearance was never placed. I told them I had asked 3 times to be put on it on XX/XX/XXXX. They initiated forbearance but told me it was too late for it to be applied to my payment due XX/XX/XXXX. 

XX/XX/XXXX {$1300.00} taken from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2023 -- Someone opened and account with JPMCB / Chase with my name and address. Received credit alert on XX/XX/2023 from XXXX. 
XX/XX/2023 -- Tried to use the JPMCB / Chase opened in my name for an amount of {$2100.00}. 
XX/XX/2023 -- Received Chase Fraud alert messages on my cell phone on charges tried on the Chase card. Messages was as follows : " Chase Fraud : We declined {$330.00} with card ending XXXX  at XXXX XXXX. Was this you? Reply YES or NO. '' XX/XX/2023 -- Received letter via regular mail from Chase Cardmember Services at XXXX. Called them and stated that I do not have ANY accounts with Chase at all and that the card was fraudulent. When talking to them, also checked with my ID Theft Service from XXXX and found out that someone tried to change the address for the fraudulent credit card from my address to the following address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : 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 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 2023-10-13 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: Experian Information Solutions 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. 

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 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 2023-10-14 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: LEXISNEXIS
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.

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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This account has been brought current by after two years of problems with PHH MORTGAGE SERVICES ( who also made us go through XXXX XXXX XXXX XXXX for a while and then said that it was just advertising ). The problems with PHH have been EVERY MONTH. They delay posting payments and then claim they are late, then put monies in a holding account, then years ago that forced us into bankruptcy to keep our home of 20 years at that point. Now that account is was again up-to-date, we tried to make the XXXX pmt online but they account said that service was UNAVAILABLE to us ( But this is the tactic starting all over again that they use to delay pmts and then claim pmts are late ). We made a phone pmt on XX/XX/XXXX. It is now XX/XX/XXXX and they still have not posted the pmt. We have talked to them 3 times since making pmt. Each phone call last average of two hours. They PURPOSEFULLY make it Very difficult to pay. We called on the XXXX and asked why the pmt wasn't posted, they claimed bank rejected it. We went to bank and got a read out of the day before, day of and day after and talked to bank. They said PHH never attempted to withdrawal funds even though PHH claimed it was bank error. It was NOT. On XXXX XXXX  they reinitiated the pmt and again said it would not post for several days ( they declined to make a debit card payment and only would accept check ). We also have attempted to fill out paperwork to be able to make online pmts. NEVER has any other company been so deceptive, and purposefully negligent that makes it close to impossible to make payments and have them correctly posted. XXXX XXXX in the loan holder and they used to use OCWEN Mortgage Servicing but had to pay out due to fraudulent/predatory lending. They had to pay us as well. Then they just changed names to PHH but same fraudulent/predatory practices are remaining. WE WILL NOT LOOSE THIS HOUSE. THEY WILL NOT WIN! 
Last time they did this they held all our funds they would not apply to account ( because they said since it was late it was all due... BUT this is how they make it 'late '!! ) They held several XXXX in a holding account and that was never applied. They steal funds, they lie, they make you wait for hours to take care of Any business and don't apply. I want to be able to pay my bill online and have it applied TIMELY. I really want another servicing company that is not negligent and VILE THIS IS A COPY OF THE COMPLAINT I MADE TODAY THROUGH DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. I WILL KEEP SUBMITTING UNTIL THIS PREDATORY BEHAVIOUR STOPS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. I disputed this with the credit bureaus and the accounts came back verified. I also asked the credit bureaus XXXX XXXX how they conducted the investigations in which I received no response or no proof of a legal or thorough investigation. I also found several inaccuracies with these accounts that are a FCRA violations. The inaccuracies are as follows : For the XXXX XXXX XXXX XXXX  account with a balance of {$1100.00}, the opened date states XXXX  on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The date last active states XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my Experian report. This is inaccurate information. Please delete the account. 

For the XXXX XXXX XXXX XXXX XXXX the date open states XX/XX/XXXX on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The date last active states XXXX  on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The balance states {$1200.00} on my XXXX report and {$1200.00} on my Experian report. This is inaccurate information. Please delete the account. 


The inaccuracies lead me to believe that no investigations were done in reference to these fraudulant accounts. The credit reporting agency can not properly verify that the information they have is correct. I have not received any contracts with my signature as well. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you in advance!

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