vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Ive banked with Chime for about 4 years. On XX/XX/XXXX I received an alert that stated CHIME Alert : Did you attempt this transaction? For {$100.00} on XX/XX/XXXX ; at XXXX XXXX? REPLY Y to accept or N to decline This Transaction. Reply STOP. So I replied N. I received a message within the same minute stating Thank you for response! A customer service agent will contact you shortly. I received a call from the Chime customer service number. The customer service agent had explained that someone was attempting to log in to my online banking to do fraudulent activities, and in order to properly receive the alerts on my end they needed to run sample tests. The agent assured me these were just sample tests and the money would go back into my account with 24-72 hours. The first test was for the amount of {$1500.00}. The second was {$500.00} through XXXX. The agent explained that my account was under investigation and would give me a call tomorrow for an update. The next day they called me and asked to do another sample test since they restarted the system so my correct information would be in, they also asked for my social security number. Did another sample test of {$3500.00}. Since my correct information was in the system now, I was going to receive messages for the transactions of the sample tests and instructed me to reply N to all of the alerts. Which Stated, Chime Alert : Did You Attempt This Transaction? 
For {$1500.00} on XX/XX/XXXX ; at Chime Wallet? REPLY Y to Accept or N To Decline This Transaction. Reply STOP. I waited a couple of days and called back to chime to ask about my money. I was transferred to a supervisor who informed me that I was scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I signed up for XXXX in XXXX of XXXX, for an 8 month treatment plan. I chose the monthly finance option at $ XXXX to pay off the total of {$2300.00} in installments. When I chose XXXX, I was heavily swayed by their Lifetime Guarantee, which promises continued care for retainers, as well as touch-up aligners. This guarantee led me to choose XXXX, and justify the cost. Following their initial statements in XX/XX/year> about a " restructuring '' I began to question whether I'd be held responsible for the full payment, since I will no longer be provided care following my treatment. In addition, as I was nearing my last aligner, I reached out to request touch-up aligners since my teeth had NOT shifted in the way that was shown on my 3D scan. I had a virtual appointment with a XXXX representative where he took photos of my teeth, and received an email some time after that I did not qualify for touch-ups. This did not make sense considering the two teeth that bothered me most, and led me to XXXX, were still out of place. I asked for the appropriate contact ( s ) at XXXX in order to reach a resolution, both for the touch up, and my question on payment. My requests were ignored and I watched as XXXX went bankrupt, shut down their app, removed my access to my records, and hastily directed customers like myself to Healthcare Finance Direct for payment continuation, via an email blast. I have tried reaching out directly to HFD in order to resolve my payment issues, but no one has given me any resources or assistance with this. When I signed the contract with XXXX, they were contractually obligated to offer their Lifetime Guarantee, as well as promised to offer touch ups after treatment. They have breached this contract following bankruptcy, and I should not be held responsible for the remaining payments, as I am NOT receiving the services laid out in that contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I asked the bank if they can postpone the sale of my property, which my mother have I asked the bank why they didn't tell me that the property was being foreclosed on XX/XX/XXXX and they said they sent notice, but the notice that I received did not have any date or time on it, so how would I know? I only received the date a few days ago when a realtor knocked on my door. 

I have been trying to refinance the property to get out of my mothers reverse mortgage, which we were unaware that she did at the time, and the bank would not work with me while I was going through the probate process to get the proper paperwork to refinance. Now the house is being foreclosed on and I just want to sell it to get my equity and my dignity back. This bank has been nothing but rude and I have a feeling they were predatory towards my mother as she would never sign off on this. We had no idea until just after her XXXX  death. 

The bank has not given me a chance to keep the property. Please postpone this so I can sort things out without a foreclosure and getting kicked out of my home while still grieving.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting XXXX accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX  XXXX {$1300.00} and XXXX XXXXXXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a letter from TD Bank that someone had tried to open an account with my name and Social Security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect and not accurate information on the credit report and no proper investigation and no verification done by the credit bureau Account number # XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a dispute on a transaction for XXXX $ On XX/XX/XXXX with my credit card issuer. They said to give them 60-90 days to finish the dispute process. It has now been 104 days. They will not give me any information as to the progress except to wait longer. I started this dispute because I never received what I paid for. This card was issued by comentity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CNG HOLDINGS INC
State: NY

Complaint narrative:
XXXX impossible to get in contact with or submit dispute. I have proof of fraudulent account and letter from original creditor and having a hard time having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MI

Complaint narrative:
ive recently check my credit report and ive seen damaging inaccurate reporting i have a closed account thats reporting on my Trans Union account and also my XXXX account that is incorrect and i want it removed.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: NJ

Complaint narrative:
A person name XXXX XXXX XXXX thats on my criminal background check has my social security number on his information. Me in him. It the same person I dont know him. I need him removed off my criminal background

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 2024-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington mortgage is being unfair and unreasonable in my difficult time in finding home owners insurance. I am unable to find home owners insurance due to water damage claims that were no fault of my own Carrington knows this. I have tried to find home owners insurance and I can't. They make you get home owners insurance but when you to file claims. They punish you for having to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX is reporting two accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX XXXX  {$1300.00} and XXXX XXXXXXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX is reporting two accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX XXXX {$1300.00} and XXXX XXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This company sends me documents with NO LOAN number attached while I've been making payments on MY LOAN and have not missed a payment. 

Why does the company give an acct number of XXXX and I have no idea what that acct is attached to. My principle payments that I pay monthly are being returned. You have a complaint on that and all the documents this fraudulent XXXX continues to say they are fixing the problem and on this end, they are foreclosing on a home that I've owned for decades. 
Also when I try to file a complaint with the local XXXX XXXX, that agency has cut off my ability to file a complaint and has locked me out. In other words, they are supporting the industry of taking people 's homes away. 

attached is the newest statement from SHELLPOINT but where is my loan documents with XXXX that's who my loan is and was with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation