vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
This complaint is against Chime Bank and their Deceased member review department. 
My son, XXXX XXXX, passed away on XX/XX/XXXX and I am the executor to his estate. He did not have a will but I am his mother, XXXX XXXX. His wife, XXXX XXXX is also executor. She and I have both attempted to retrieve the {$4000.00} or possibly more remaining in his account. We began this process on XX/XX/XXXX. XXXX contacted Chime via phone and they told her they could not release the funds until the funeral expenses have been paid. I know a little about banking because I worked for one in the past and I know that they can not legally withhold funds due to an unpaid expense owed by the decedents estate. 

Because his death was very traumatizing, it has taken some time to get in touch with Chime again. Therefore, I began requesting these funds be transferred to my chime account asap as he left behind XXXX boys for his wife and I to raise. I began this process on XX/XX/XXXX. Each time I inquired, it was expected that I send copies of some personal documents to them to prove his death and my relationship to him. Because my ID is expired, they requested copies of my birth certificate and social security card along with his death certificate. They did not indicate a format to send them in so I used XXXX. They responded that was the wrong format and to resend the documents so I did in a different format. This went on sone and is still an issue. Finally I was asked to provide photos as that is tge only acceptable document. So I took pictures and attached them to the email. A response was that tge photos needed to show each document edge to edge with nothing g else showing in the photo. So I did that ( which was very difficult ) by cropping the picture and they look perfect to me. Since I did that on XX/XX/XXXX, I have no longer gotten any responses and have inquired several times for a status. Today, XX/XX/XXXX, I resubmitted the photos and requested a status. 

They also closed XXXX  account without executor permission. 

I have screenshots of all the emails if needed. 

Please assist me in resolving this issue in any way you can. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: OK

Complaint narrative:
On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX at XXXX, XXXX at Equifax, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX at XXXX, XXXX at XXXX, and XXXX at Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these 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 non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX- Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXXXXXX 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account numberXXXX XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXXXXXX XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXXXXXX 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 2022-11-01 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: PR

Complaint narrative:
I AM VERY CONCERNED ABOUT TRANSUNION AND I CALL TO YOU. BECAUSE SINCE XX/XX/2021, I HAVE COMMUNICATED BY LETTERS OR CALLS WITH TRANSUNION ABOUT SOME DITCHES THAT ARE NOT MINE. 

TRANSUNION SAYS THAT IF AND WHEN I CALL THESE BANKS OR COMPANIES, WITH MY SOCIAL SECURITY THEY DO NOT FIND MY INFORMATION WITH THEM. 
THESE ARE THE ACCOUNTS : XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX ... 
XXXX XXXX XXXXXXXX ACCOUNT NUMBER 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a Wells Fargo on the XXXX of XXXX. Stating I had fraud going on. I disputed the charges. Another supposed employee called and asked for more information. I was told a card would be sent by Tuesday. I check my account on XXXX. 3 new charges were added. I also had to call on XXXX and ask for a different charge to be taken off. I went into a branch and basically was told it was a scam. I showed the authentic email and everything that was sent to me. The teller would not get me a manager. Basically, told me to use credit cards and not debit cards. Nothing was recorded for any of my phone calls. If it was a scam, why did I not receive a call or email as soon as it happened???? I had an issue 5-6 months ago with Wells Fargo before XXXX Someone was able to call in my card and report it stolen. I was not notified of any activity. I had a balance inquiry in XXXX with no card someone used. How is this possible. Wells Fargo does not care about their consumers. I am closing my account after 13 years. I'm tired of their 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 2022-11-01 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: TN

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 that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : 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 2022-11-01 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: TN

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 that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-11-01 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: NY

Complaint narrative:
The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!

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 2022-11-01 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: NY

Complaint narrative:
The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NY

Complaint narrative:
The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my personal information, delete the accounts violating the FCRA and delet the unauthorized inquiries

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter to TransUnion on XX/XX/2022 giving my correct personal information to be updated on my credit report and delete any other information that does not match with what I sent. I sent in a copy of my driver 's license along with a copy of my bank statement to verify that the information given was correct. I received a letter from TransUnion that was issued on XX/XX/2022 insuating that I wasn't the person requesting my personal information to be updated without telling me how I could get it changed correctly. Nothing was solved in them writing me so Im asking for help in getting this issue resolved.

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My Serve card was stolen on XX/XX/XXXX. I had 3 charges on the card before I caught it. I reported the card stolen and the charges on the same day XX/XX/XXXX. I went and did a police report and filled their declaration of fraud. On XX/XX/XXXX I received an email for Serve saying they denied the disputes. I called them and they reopened the case. The police officer who filed the report called them 3 times and they put him on hold and then hung up. I called them yesterday XX/XX/XXXX and they said it can take 45 days. But per there rules they should give a provisional credit they said they are waiting to hear from someone if I am approved for this. This is for American Express Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Did not receive any statements or phone calls from the store department credit card where I made a purchase of {$58.00} in XX/XX/XXXX. On XX/XX/XXXX I received a letter that might account might be permanently closed due to late payment. The balance now that I own was {$170.00}. I called the company and explained the situation. They said that in error I was enrolled in electronic statements and they never sent me any statements by mail. They agreed to waive one late fee of {$39.00}. I asked them to waive all late fees and wanted to pay my original balance of {$58.00} but they 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 monetary relief
Consumer complaint received 2022-11-01 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:
Update personal information, delete accounts violating the FCRA and delete the unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: PR

Complaint narrative:
I AM VERY CONCERNED ABOUT TRANSUNION AND I CALL TO YOU. BECAUSE SINCE XX/XX/2021, I HAVE COMMUNICATED BY LETTERS OR CALLS WITH TRANSUNION ABOUT SOME DITCHES THAT ARE NOT MINE. 

TRANSUNION SAYS THAT IF AND WHEN I CALL THESE BANKS OR COMPANIES, WITH MY SOCIAL SECURITY THEY DO NOT FIND MY INFORMATION WITH THEM. 
THESE ARE THE ACCOUNTS : XXXX XXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Three Credit Agencies XXXX, Transunion, XXXX are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.

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 2022-11-01 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: MI

Complaint narrative:
Three Credit Agencies XXXX, XXXX, Equifax are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FourLeaf Federal Credit Union
State: FL

Complaint narrative:
I applied and was approved for a HELOC 13 months ago. I was told and their web page advertised a 2.99 % interest rate for the first 12 months then a permanent fixed rate of 3.25 % for the life of the loan. My interest rate has jumped from 2.99 % to 8 %. My payment has gone from {$210.00} per month to {$560.00} per month. I can not afford to pay this. I have contacted them and they offered me a fixed rate that was higher than the 8 %. I have clearly been tricked and intentionally deceived. I am a senior citizen and the company that I have worked for the past 19 years has been sold and my someone has been promoted to my position and my hours and wages have been cut significantly. I was lied to my the loan officer at Bethpage when I took out the HELOC. I was clearly told that my rate will be 3.25 % fixed for the life of the loan. I have informed them that the payment due XXXX XXXX will not be paid as my income is not what is was.

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 2022-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with XXXX and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to XXXX with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. XXXX has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.

Company response to consumer: Closed with explanation