vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX someone claiming to be XXXX XXXX messaged my mother about selling us a vehicle. We didnt think much of it cause XXXX was a family friend. We briefly discussed title transfer then sent the money over and after we sent the money we realized XXXX XXXX is in XXXX  and who we were talking to was not him. He Mentioned that he wanted us to buy gift cards and send it to him. We ended up sending a total of {$1000.00} via chime. When confronted refused to send money back and blocked us. I disputed the transactions 3 times with chime and they failed to give me a reason why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited a property damage check from a car accident where I was rear ended into my account on Wednesday XX/XX/year> between XXXX - XXXX a few days before my car was ready to be picked up when the check didn't clear immediately I contacted the insurance company who assured me the check cleared and was approved on their end Friday XX/XX/year> at XXXX XXXX. I contacted Citizens Bank notifying them of what I was told by the insurance company they began to tell me they put an extended hold on the check which left me very confused since I have been with Citizens for at least 10 years I have a pretty good track record I have never cashed a bad check! And the notice I received in the mail Monday XX/XX/year> say the reason they decided to delay my funds is because " deposit is not consistent with prior account activity ". It is an insurance pay out!!! This is frustrating and what gives them the right to hold my money!!! I need to pick up my car and the insurance will stop paying for my rental because to them they have given me the money thus is unfair. I am a normal person who works a XXXX to XXXX and trying to survive I don't have extra money to kick out. How is this right? This is why people don't like putting their money in banks. Also this has lead to start looking for a new bank I don't want to go through this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
talked to different people and received different answers. First ( XXXX opened an issue to be investigated ) thought it was a mistake and second ( Supervisor ) said it was valid and must be agreed to to continue use of BillGo ( BillPay ) service CapitalOne is migrating to new Bill Pay service ( BillGo ) and requiring agreement to a new Terms and conditions. This T & C and some questionable sentenaces. Highlights below followed by Complete T & C as go XXXX ==T & C Snipets ( Highlights surrounded by **** >The Service is currently being provided as ****a " pilot '' or experimental version intended only for testing purposes ****. The pilot is being done to provide us with feedback on the quality and usability of the Service.< ... > Be aware that the pilot might have errors or inaccuracies that could cause failures, corruption or loss of data and/or information from your Mobile Device or other devices and from connected peripherals. You should back-up all data and information on your Mobile Device prior to using our pilot Service. **** We may, but are not obligated to provide any maintenance, technical or other support for the pilot.V > and mini NDA sentence >Use of all pilot software and related information **** is considered confidential information until released to the public by us. **** < ===== The full T & C Terms and Conditions for the BillGo/BillPay service in attached TXT file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 informationisinaccurate.

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 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XX/XX/year> The Credit Bureau 's stated Account Name & Account # was properly investigated, but how is that possible when the open date is inaccurate, the date last active is incorrect, and the date last reported is also inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. I am attaching copies of all letters sent below.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I haven't given written permission for these accounts to be furnished on 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 non-monetary relief
Consumer complaint received 2024-07-01 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:
Date : XX/XX/year> The Credit Bureau 's stated Account Name & Account # was properly investigated, but how is that possible when the open date is inaccurate, the date last active is incorrect, and the date last reported is also inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. I am attaching copies of all letters sent below.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I haven't given written permission for these accounts to be furnished on 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 non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On Sat XXXX XXXX, I received an unsolicited credit card from Mountain America Credit Union. I never applied for the card. I do not have, nor ever have applied or had an account with this institution. I tried to report the fraud but was referred to XXXX departments in succession including the Fraud department who was not there. Note, I called all numbers on the card and letter received in the mail. Finally I was told a number to call on Monday to report the fraud. Later that day, I received notice that a charges were questioned. 
On Monday I received a welcome brochure in the mail. 
On Monday, I called back to the number they provided on Saturday. During the fraud reporting process, I read back this description. The agent told me this was a different institution, XXXX XXXXXXXX ; the number I had been provided on Saturday and read back to the XXXX agent was for XXXX. This has been an awful experience, a waste of my time, and I am not in touch with the institution in the letter or credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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.

Complaint narrative:
On XXXX an account for a credit card from XXXX  XXXX XXXX was opened using my name and social security number. The balance on the card is {$560.00}. I did not open this account and have not banked with XXXX for over 20 years. I live in Idaho and I believe this account was opened in Arizona, were I previously lived. I have contacted the credit bureaus and they are saying that this is my account. I have not opened this account. I would like this to be removed from my credit history. I am trying to refinance my vehicle and I can not with this on my credit report. Please let mr know if you need anything else from me.

Thank you.

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 2024-07-01 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.

Complaint narrative:
On XXXX an account for a credit card from XXXX  XXXX XXXX was opened using my name and social security number. The balance on the card is {$560.00}. I did not open this account and have not banked with XXXX for over 20 years. I live in Idaho and I believe this account was opened in Arizona, were I previously lived. I have contacted the credit bureaus and they are saying that this is my account. I have not opened this account. I would like this to be removed from my credit history. I am trying to refinance my vehicle and I can not with this on my credit report. Please let mr know if you need anything else from me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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.

Complaint narrative:
On XXXX an account for a credit card from XXXX  XXXX XXXX was opened using my name and social security number. The balance on the card is {$560.00}. I did not open this account and have not banked with XXXX for over 20 years. I live in Idaho and I believe this account was opened in Arizona, were I previously lived. I have contacted the credit bureaus and they are saying that this is my account. I have not opened this account. I would like this to be removed from my credit history. I am trying to refinance my vehicle and I can not with this on my credit report. Please let mr know if you need anything else from me. 
Thank you.

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 2024-07-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We have a XXXX with Synchrony Bank that matured XX/XX/2024. I called Synchrony Bank on XX/XX/2024 to close the XXXX and have the money wired to another outside account. In a previous call on XX/XX/2024 I was told to call the bank the day of maturity and there would be no fee and no problem to close XXXX  and transfer the money. On my XX/XX/2024 call I answered all the security questions, then the rep sent me a text message with a Code that I was to give her. Which I did. Then she said she had to sent me an " XXXX '' XXXX  XXXX letter that would contain another Code. Once received I need to call bank and give them the code. Today is XX/XX/2024. I have not received a XXXX XXXXXXXX letter with a XXXX. I called the bank on XX/XX/2024, was told the I would get the XXXX  XXXX letter on XX/XX/2024. I called on XX/XX/2024 and was told I would receive XXXX  XXXX letter on XX/XX/2024. My last call to the bank was XX/XX/2024. The rep I spoke to that day said no XXXX  XXXX letter had been sent and he did not know what was going on. He said I needed to wait for a XXXX  XXXX letter. I don't know where to turn. They are holding our much needed money. I understand about security. However, we have done business with this bank in the past. No problem receiving our money. Banks withholding a customer 's money and giving out false information and not given any avenues to pursue for help, should be against the law.

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 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding a series of distressing events related to a recent transaction on my American Express card. The situation has caused significant stress and financial inconvenience, and I am seeking a resolution that includes a full refund and compensation for the difficulties experienced. 
Timeline of Events : XX/XX/year> : I made a booking at XXXX XXXX XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX, amounting to {$1800.00}. The transaction was authorized using the XXXX pass, and I believed everything was in order. 
XX/XX/year> : I received a notice that the transaction was declined. An email from the hotel stated, " Thank you for choosing our XXXX XXXX XXXX for your coming stay. As per your booking terms and conditions, you booked for a non-refundable booking and our system tried to charge you the full amount. Unfortunately, the payment was refused by your credit card company. '' Confused and stressed by the declination despite using the XXXX pass, I immediately sought alternative accommodation, given the impending nature of our vacation. Consequently, I booked another hotel at a higher price to ensure we had a place to stay. 
Further complicating matters, I received another email from the hotel confirming the cancellation of our booking due to the declined payment. To address this, I contacted American Express multiple times to explain the stress and inconvenience caused by this situation. 
Despite these efforts, I was shocked to discover that American Express eventually approved the initial charge after the declination, resulting in a double booking and double charges on my account. This has not only doubled our accommodation costs but also exacerbated our stress and inconvenience significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/property ( see attachments ) including Maryland Department of Assessments & Taxation ( Nothing On FileCERTIFIED COPY ) XXXX XXXX XXXXXXXX XXXX ) I requested the servicer to stop any further foreclosure action/sale per my MOTION C-16-CV-23-003851, filed in Upper XXXX, XXXX XXXX XXXX XXXX Maryland 2 ) I advised the servicer* that I am aware XXXX XXXX XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST : XXXX XXXX XXXX ) I requested for who is the Trustee, full address, city, state, and zip code on my Promissory NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
I am writing to express my concern regarding the negative impact that my current credit report is having on my financial well-being. As a responsible consumer, I understand the importance of maintaining good credit, but unfortunately, the current state of my credit report is severely affecting my ability to obtain loan. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law.

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 2024-07-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies present on my credit report. Upon reviewing my report, I have noticed discrepancies in the reporting of certain accounts and transactions. Specifically, there are entries that do not accurately reflect my financial history, including erroneous late payments and accounts that are reporting inaccurate information such as incorrect opening date of said accounts and inaccurate payment history. These inaccuracies are adversely affecting my credit score and financial well-being, as they misrepresent my creditworthiness to potential lenders and creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I initiated a dispute via the CFPB. And a month earlier, I mailed the same dispute by letter. XXXX responded to the CFPB dispute on XX/XX/year> and stated that it may take 30 days to finish the investigation. Under the FCRA, Experian had 30-days from the date it received my dispute to finish its investigation. Not only ha 30 days passed since Experian received the dispute on XX/XX/year>, but 30 days has elapsed since Experian responded on XX/XX/year>. This is not to even mention that I started this dispute in XX/XX/year>. Under the FCRA, Experian is required to delete any disputed information that Experian was unable to verify as accurate or complete within XXXX. Therefore, Experian must delete all disputed accounts.

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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-01 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: WI

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies present on my credit report. Upon reviewing my report, I have noticed discrepancies in the reporting of certain accounts and transactions. Specifically, there are entries that do not accurately reflect my financial history, including erroneous late payments and accounts that are reporting inaccurate information such as incorrect opening date of said accounts and inaccurate payment history. These inaccuracies are adversely affecting my credit score and financial well-being, as they misrepresent my creditworthiness to potential lenders and creditors.

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