vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was banking with chime bank since XXXX of XXXX and i started to recieve my unemployment to the acct around XX/XX/XXXX and was fine and i was saving on the acct and then in XX/XX/XXXX they emailed me and stated they were closing my acct, they didnt state why and said to read what i agreed to and i called to see what needed to be done and how to access my funds and no one would give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Some one has opened accounts in my XXXX XXXX XXXX sons name without my permission. The chase website says that my XXXX XXXX XXXX son is a current customer. My assumption is that a close family member has opened this account without my knowledge. if you can provide any documentation as to when the account was opened, signature card, current balance and direct deposit information. I have copies or his birth certificate and social security card if needed. SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: OneMain Finance Corporation
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Exeter Finance on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Exeter Finance violated federal law. see 15 USC 1681b A2. I did not give Exeter Finance Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: NM

Complaint narrative:
By the laws governing my state, the State of New Mexico, this company needs to be licensed to engage in their debt collection acitivities. They do not have a valid or active license in my state and therefore are unlawfully engaging in collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I do not know what company this is or was provided any service by this company or not

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 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
Without requesting it, I received a Square business debit MasterCard in the mail. There was no enclosed explanation, and the only instructions were to activate the card via some Square Dashboard which I have never used, especially not as a business proprietor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
Action revenue recovery was seen on my recent credit report. I disputed this item and it has been verified by this company. I have no knowledge of this account and never have used this company. Please have them delete from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2021 I applied and was immediately approved for the American Express Business Green Rewards Card. However, one month passed and I still haven't received the card. I chatted with the customer service representative who informed me that the card will be delivered by XX/XX/2021. 6 weeks to receive a card that's been immediately approved is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-03 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: FC HoldCo LLC
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: GA

Complaint narrative:
In XX/XX/2021 I received an email from Xoom XXXX informing me of a transaction to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX United States XXXX There amount taken out of my account is {$800.00}. This was never authorized by me and I do not know the company or recipient. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: AL

Complaint narrative:
on XX/XX/2021, i sent XXXX  and transunion a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.

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 2021-09-03 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Santander Consumer USA Inc on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Santander Consumer USA Inc violated federal law. see 15 USC 1681b A2. I did not give Santander Consumer USA Inc Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submll the qualifications under 15 USC 1681c-2 for Block and Removal of the informatiitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet aon on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I went online to order my free annual credit reports from all 3 reporting agencies, Equifax, XXXX  and XXXX XXXX at XXXX. I was able to print out the reports from all 3 agencies. However, on XX/XX/XXXX, I went online again, as I have done every year, to XXXX to get my reports. I was successful with getting my reports only from XXXX  and XXXX. When I put in all my personal information to see my Equifax report, the response I received was " BASED ON THE INFORMATION PROVIDED, WE ARE UNABLE TO VERIFY YOUR IDENTITY. '' This is the first time I ever had a problem with ANY credit reporting agency, including Equifax. My personal information has been the same for many years, and I can see no logical reason for Equifax 's response. I called Equifax at XXXX but was never able to reach a LIVE person, only their automated service. I would be interested if others are having this same issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CORELOGIC INC
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from CoreLogic Credco on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. CoreLogic Credco violated federal law. see 15 USC 1681b A2. I did not give CoreLogic Credco Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One purchased my XXXX XXXX Visa from XXXX XXXX  and on XX/XX/2021 I signed onto XXXX  One 's website as instructed to active my new card. The website would not allow me to authenticate and kept returning a message that my address my incorrect. I called XXXX One at XXXX and spoke with XXXX in their XXXX XXXX, NV Call Center. I was told the address, phone numbers and employment information was all incorrect and that it must have been transferred over that way from the prior lender. They said they would correct the information and that it takes 9 to 16 weeks for their system to reflect a change. I immediately asked for a Manager and was transferred to XXXX, who said the information was corrected in their system and she isn't sure why XXXX would have told me it takes 9 to 16 weeks. She said XXXX One has many issues keeping customers data safe and accurate but the. employees have immediate ability to change the address and phone anytime and it updates immediately. I asked that my account be closed. Based on this experience I felt my personal data was at risk and that Capital One didn't know what they were doing. She closed my account as requested. Fast foreword to today. I received an alert from my credit monitoring that Capital One has reported a new address and phone number for me. I reviewed my credit report and Capital One has changed my address and phone numbers to the erroneous info they had originally on my account. I again called them and spoke with XXXX who transferred me to a Manager. I was told I'd have to contact the credit bureau as XXXX one doesn't fix credit bureau mistakes. I was told to write to the credit bureau. I pointed out that California Law says otherwise and I'll file a small claims action. Further, Federal Law also says otherwise and I'm complaining to the CFPB. I called the prior Bank and obtained a copy of what they transmitted to Capital One. This will support my Small Claims action claim form monetary damages. XXXX One obviously changed my address and phone numbers after they received the account. This means they either have rogue malicious employees or have suffered a data breech they are hiding from the oversight authorities! They need to correct my erroneous address and phone they put in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Ally Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Ally Bank violated federal law. see 15 USC 1681b A2. I did not give Ally BankWritten instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

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 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
We were scheduled to close on our new home with lender First National Bank on Thursday, XX/XX/XXXX. An hour before closing, our lender informed is they didn't have the appraisal. It was the first time we were informed. They assured they thought we could still close by the end of the day or the next day so we waited and had our house packed up by the movers. We couldn't get any updates or information. On Friday, still no updates and still no closing. However, when I called our builder, I was informed that no appraiser had ever contacted any of them or the agent to request access to our newly constructed home to conduct an appraisal. By end of day Monday, XX/XX/XXXX, we were notified that that appraiser had gone MIA and no one could locate or contact them. Our builder demanded contact information for the XXXX and they wouldn't provide it. On XXXX, XX/XX/XXXX, they suggested they'd find a new appraiser and start over. We had to move out of our previous home on XX/XX/XXXX because our rent back was up so we now had to pay nearly {$5000.00} for movers to move our house into storage, {$5000.00} for storage for our entire house, plus {$500.00} to cancel our initial move date. We also had to move our family ( including XXXX kids and XXXX dogs ) into a hotel. Our builder and us contacted the new appraisal company and were able to engage an appraiser to complete the appraisal on Thursday XXXX, submitting it that night. The lender said they probably still can't close this week because the underwriter is out of the office this week. They sent a new disclosure with a new closing date of XX/XX/XXXX! We will be out of pocket almost {$15000.00} by that point because of their XXXX up, not taking care of the appraisal on time or verifying if it was completed. The closing company has been in possession of nearly {$400000.00} of our funds for more than a week now and we still can't close. Our kids are forced to stay 30+ minutes from school and activities. They won't give us any updates or any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 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: AL

Complaint narrative:
on XX/XX/2021, i sent equifax and XXXX  a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I am enclosing 2 letters I wrote them about the issue which is explained. 
they have done nothing to resolve this at all. Is this the way they handle complaints??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Consumer Portfolio Services , Inc. on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Consumer Portfolio Services , Inc. violated federal law. see 15 USC 1681b A2. I did not give Consumer Portfolio Services , Inc . Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
An employee of Radius Global Solution called my cellphone in regards to an alleged debt. The employee named XXXX XXXX stated on a recorded line that I owe money to this company and he also stated on this same recorded line that the company called 30 times since XX/XX/2021. Stating that I owe money and the repetitive calls ( harassment ) are both violations of 15 USC 1692.

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 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/21 I reported my Now Card ending in X XXXX stolen and gave it to a Regions bank teller. I gave the card back to the bank because they stole XXXX from my Now Card account ending in XXXX. I then transferred ( {$220.00} ) on that same day back to cover the negative balance. Also prior to the balance being stolen-negative, there were funds ( already ) in the account. The bank teller/She issued me a new card ending in XXXX. I asked her/ The bank teller/ if she could link XXXX statements to my new Now Card ending in XXXX and she said NO. I went to sleep and found they stole the Now Card I had reported stolen and given back to them ending in XXXX and opened it under the pretenses of XXXX, and the employees began swiping more money this time ( {$80.00} ) under ( fake account ) XXXX, which I had no knowledge of nor gave her consent to do and let me remind you she did which she told me could not be done. ( she linked an unknown card to the previous statement ) but a card they used to steal more money without my knowledge or consent. At XXXX XXXX   that same night I received a message from the bank that the Now card ending in XXXX that they now had in their possession, was stolen and linked to one of their employees XXXX XXXX  in which they were using stealing more money. How did the bank email me about a card they reported stolen, suddenly being uploaded to XXXX XXXX  12 hours later??? They stole ( {$220.00} + XXXX + an incoming ACH transfer of {$200.00} ) the SAME day which was never POSTED to my ( main ) account ending in XXXX or balance making it a total of ( {$500.00} ). I want my money back now. Give me my money back XXXX XXXX goes back to my Now Card ending in XXXX account while XXXX goes back to my main account ending in 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 monetary relief