vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
The first time this happened was on XX/XX/XXXX and it took until the XXXX to get it resolved. Basically what happens is I buy things on the website what night and a few of my orders got canceled so they tried to refund my money last night and Chime would not take it now this is happened to me once before. Now I had to spend over two hours on the phone the first time with six different people who could barely speak XXXX much less understand it just to be told I need to file a dispute against my own refunds. Yes thats what they made me do. In order for me to get my refund put back on my account I had to file a dispute and it took five days. Well what not refunded me some more of my own money last night it was from an order on XX/XX/XXXX and The order times were XXXX XXXX and XXXX PM and the amount respectively were {$10.00} then {$7.00} then {$9.00} and again what not tried to send it back to me last night when the order got canceled and Chime refused to take it. So I had to do this again where I get on the phone and spend two hours dealing with these people again who have no idea what XXXX actually is and I still get screwed and I have to waitLike five days they do this every time even though Ive told him do not do it they just refused to put me through the supervisors they hang up on me they refuse to do everything I ask they are a horrible company and Im done with them what theyre doing basically is withholding my money until I call in so they can try to ply me with new offers and do a bunch of crap like that and Im sick of it. I want something done about this theres no reason I should have to call and file a dispute on my own money coming back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I returned items purchased online. I received an email letting me know that the warehouse received the return and I will receive a refund. The email said it would take UP to 7 business days. I called on the 10th business day and I. Was told something entirely different than what the email stated. The rep and supervisor said it could take up to three weeks to receive my refund. I kept insisting that I was going by the email. The email which is a document, states it can take UP to 7 business days. I expect my refund within that timeframe.

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 2022-03-23 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 XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
since XXXX this loan servicing company, or for better words loan servicing scammers have been manufacturing in bad faiths a default, we have paid our mortgage on time and everything month since the inception of the loan which was XXXX, XXXX of XXXX and have never missed a payment, and we pay our taxes and insurance directly to the XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX insurance company. and despite all the evidence provided and there records as we have every record and payments made on file. they continue misplacing our mortgage payments, not applying the payments to the account and charging me thousands of dollars not owed. this bank loan servicers are a scam, despite my complaints to your office, you have failed to investigate this matter deligently and do something about it. as they are hurting my household as citizens and consumers that we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. These negative accounts are preventing me from obtaining credit and obtaining a mortgage.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone hacked into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have subscription accounts with both Transunion and XXXX Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | XXXX XXXX Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still XXXX XXXX One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX Transunion & XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have subscription accounts with both XXXX and XXXX Credit Bureaus ( CB ). Equifax CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX XXXX. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am XXXX XXXX XXXX. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX Equifax shows a similar pattern, that being, failure to show these accounts as being deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account : 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

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Robbed me of my right money and slandered my reputation with my credit I had worked for yrs to buildeven went back to previous payments and collected money from the accounts I paid and got confirmation on them messed up my credit with cc they recommended that did the opposite of helping went from XXXX to & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: PA

Complaint narrative:
Dear XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by Email, and identified the debt as Account XXXX : XXXX XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I demand these accounts be deleted immediately or I will file for ligation

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 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXXXXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXXXXXX XXXX XXXXXXXX on XX/XX/2019 which gave me several months of deferred payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Fraudulent credit account opened under my social security number. And the credit line was maxed out. Opened on XX/XX/XXXX and was only just notified that it was on my credit report today. XX/XX/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 explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo VERIFIED a SCAM CHECK of XXXX on XX/XX/2022 when I clearly MULTIPLE TIMES asked them to check properly before deposit the check. They deposited and make the cash available. When bank returned back the check, I realized I was scammed and immediately reported to the bank. Unfortunately, I have already XXXX and Wire Transfer the money to the scammer thinking that was the money from the check who Wells Fargo VERIFIED. 

Now Wells Fargo don't want to take responsibility on their own mistake. After I realized I've been scammed, I asked multiple bankers to check the check without telling them that is a scam check. And THEY KNOW it is a scam check. Why in the beginning they verified and cashed it?????

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I made a purchase from a merchant for {$59.00} back in XXXX of XXXX, and I paid for the merchandise through Affirm, which is a lender whom pays the vendor where the merchandise came from. I had to make four ( 4 ) {$14.00} installments for the merchandise, which was charged to my credit card every two ( 2 ) week until the debt was satisfied. When I received the merchandise, it was defective and did not work. I sent the item back, but was never refunded by the merchant. I have tried to contact the merchant, but never got a response back. Affirm would not refund me for the {$59.00}, so the only recourse I has was to contact my credit card company to dispute all four ( 4 ) installments and was refunded by my credit card, however, I was notified by Affirm today, XX/XX/XXXX, that my loan in the amount of {$59.00} was charged-off ( due to the charge-backs from the credit card co ) and that I will be sent to a collections agency. I called Affirm today to explain the situation about receiving defective merchandise that I no longer have in my possession, and the man stated there would nothing they could do. He said the dent will be sent to a collections agency. This is a disgrace that I have to deal with this headache for less than {$60.00} and I have a very good credit score. I feel this should be refunded and not turned into a collections agency when this was an unfortunate situation that happened. Please help. This is totally ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
This debt has been removed from all XXXX Credit Bureaus several times over the past 2 years and they keep submitting every 90-120 days after it has been removed. this is a Hippa Violation and a violation of my credit rights affecting me negatively after I've worked so hard to maintain good credit over the past 10 years. my score was XXXX when they started this. Please help or contact me as soon as possible @ XXXX or email me XXXX. Thank you. 

XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation