vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: PA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was using chime an a couple XXXX dollars came up missing out of my account. I was in jail when the transactions happened when I got out of jail I reported it to chime. The refuse to give me my money back. U can see where someone sent the money to there self an used my card for many different transactions! They gave me a new card but even with me trying for a couple months to get my money back they refuse to give Me my money. The other day I went to get on to my account an it said its closed because I violated there standards an when I called a couple times to ask why they wont give me a straight answer! They said XXXX receive my balance by check in the mail! I cant even see how much that would be or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over XXXX weeks ago I sent TransUnion a registered letter disputing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in my dispute I attached copys court order as well response from court in reguards to XXXX XXXX XXXX Nevada exsplaing they dont report to Credit Bureaus proving that XXXX response a lye and remove immediately today I receive TransUnion email in regards to the opposite of my registered letter report # XXXX see attached ADDRESS UPDATE it specifically said remove XXXX XXXX and my address to be XXXX XXXX XXXX XXXX XXXX CA XXXX to only be my address on report I do understand if you apply for existended credit and the address you use automatically reflects I HAVE NOT APPLIED FOR CREDIT OVER A YEAR as I already supplied documents not only to TransUnion I have also supplied to you CFPB I dont feel to waists my time downloading dos anymore as I have my I dotted and my T crossed in reguards s to law suit being filed on Monday TRANSUNION is well over the 30 day meet criteria and as well liable for damages HOW IN THE HECK WHEN YOU ASK THEM TO REMOVE A ADDRESS WITH AS WELL COURT DOCS THEN CAN DELAY THE PROCESSS AND SEND FRIVIOLOUS RESPONSES

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Citi Bank sent me a credit card last XX/XX/2021. I have attempted to close it and they will not as I will not supply them with my Social Security number. I never had opened this account and I have been attempting to close it. I recently received a bill from them for use of the card. I was in touch with you folks back last year on XXXX XXXX when I submitted a claim. That ID number was XXXX. This issue needs to be resolved. I have sent Citi Bank a letter as I will not deal with them on the phone any more. This is credit card fraud as I am being held accountable for a credit card I did not apply for.

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 2022-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX this account was on open inconsistencies on XX/XX/XXXX as on the payment date are incorrect also the amount are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX XXXX reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information 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 past 7yrs it outdate in should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I went to settlement to sell my house at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I found out at settlement that there was an unmarketable title or cloud on the property. I could not sell my home until the title issue was resolved. XXXX XXXX, Real Estate Attorney, initiated a Quiet Title Action on my behalf to resolve the title issue. On XX/XX/XXXX, XXXX XXXX XXXX, DC XXXX XXXX, Civil Division issued a court order confirming that I am the sole owner of the property and confirming that the Transfer on Death Deed is valid. The case number is XXXX XXXX XXXX XXXX XXXX XXXX ). The prospective buyer has been living in my house since XX/XX/XXXX because she had already given notice to her landlord about her vacating her apartment. I moved from the house to an apartment in XXXX XXXX  for medical reasons. The buyer, XXXX XXXX, and her agent, XXXX XXXX experienced continuous delays in the loan approval process for several months. The buyer 's loan involved a home inspection and submission of paperwork to a state organization in XXXX XXXX XXXXor a Home Purchase Assistance Program ( HPAP ) related loan. As of XX/XX/XXXX, her loan is still pending approval by the bank. I could not afford to pay a {$2300.00} rent and the mortgage at the same time. On XX/XX/XXXX, I was informed by my lender, LoanCare, that my home went into foreclosure on XX/XX/XXXX. I want to do whatever is possible to prevent foreclosure of my home. I plan to submit a Mortgage Assistance Application to LoanCare to delay foreclosure until the home can be sold to a qualified buyer. I want LoanCare to inform me of all options to prevent foreclosure of my home. I did not receive any written correspondence from LoanCare in reference to the pending foreclosure.

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
There was {$2000.00} worth of unauthorized charges on my account and i called chime to file a dispute. They denied the dispute and closed my account the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
Since opening the XXXX account around XX/XX/XXXX, I have been unable to invest the funds in my XXXX account with Optum Bank. I have tried approximately 7-8 times on their website ( " We are unable to process your request at this time. For assistance, please contact us or try again later. We apologize for any inconvenience this may cause. " ). When I emailed support, they sent me an encrypted message on XX/XX/XXXX that was incredibly cumbersome to open with nothing helpful " Due to the nature of your question, it would be best for us to assist with your request over the phone ''. When I called on XX/XX/XXXX, I spend way too long on hold. I need to invest these funds as markets have increased, leaving me with over {$300.00} in missed gains. 

Optum Bank should be stripped of its FDIC membership. They have continually failed to resolve the basic issue of INVESTING. My money, and the money of other hard working Americans, is not safe here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime closed my account on XX/XX/2022 with no explanation. I have tried to contact them and they won't give me any anwaers as to why. I had a credit builder card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date : XX/XX/2022 Total Amount : XXXX There were 4 times in 1 day my account got unauthorized transfer through XXXX to the same email address : XXXX. The receiver name is XXXX. I don't know this person at all. 

I normally will receive text message from BANK OF AMERICA whenever there is a XXXX transaction. I did not receive any notification from bank on XX/XX/2022. I talked to the bank after I realized the problem. But they said it was my fault and money was initialed from my device. I don't know how and why it happened. was my device hacked? or just the bank error? I tried to call the fraud department again and all I received " there is nothing we can help ''. I hope you guys can help me or at least I can raise my voice about this issue. Appreciate that.

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX XXXX  chime closed my account for no apparent reason and I still have not received none of my money I'm.being evicted from my home because they would not send me my money and still won't send my money which I really need then I had more money went to chime and they want send that either I want my money and it's not right that chime can do this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.

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 2022-11-26 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: MS

Complaint narrative:
I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
Hi, I did an international transaction using MoneyGram, for the amount of XXXX $ as a direct deposit to a Banck account. It was sent XX/XX/2022 and it was promised the money was going to be available XX/XX/XXXX the latest. I spoke with MoneyGram and they said itll take up to 3 months to give a resolution, this is outrageous since the amount sent was si high and they cant provide me with an immediate solution? I feel scammed by this company. I will appreciate if you can do something about it. 

Kind regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX and XXXX reporting a debt in the amount of {$100.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had XXXX through the state of Virginia and also XXXX insurance XXXX  to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX and XXXX reporting a debt in the amount of {$99.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had Medicaid through the state of Virginia and also XXXX insurance 2019 to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime shut my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : 1. Breakdown of fees including any medical charges and collection costs 2. A copy of my signature with the providers of service to release my medical information to them 3. Cease any credit bureau reporting until the alleged debt has been validated by me. 
I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. 
So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completly ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unfortunately Ive now already spent a 16+6 hours and a 1 hour visit to try get my CD at Bank of America closed. 

They keep bringing up new holds and obstacles, hoops for me to jump through to get my money. XXXX XXXX 

1 year ago ( XX/XX/2021 ) I only opened the CD as to provide for getting a business creditcard. It was very clear i wanted it for 1 year. The company said and still claims When in maturity you can automatically renew or withdraw the funds without penalty. 

I have not been able to get my funds. Ive called for more than 16 hours on 6 different days. 
Last month they finally said the hold from the small business team is lifted, your funds are now released. Wait 10 days for your cheque. I DID NOT RECEIVE IT. 

I called today again for 2 hours and visited an office. They said there is another hold. No explanation on what happened. 

They are again emailing and calling different departments. I have 0 faith I will get my money. 

Please recommend how I can legally force them to give me my money. Potentially they are doing this with hundreds of clients. Could be hundreds of millions they illegally use to invest. 

I feel very hurt sad frustrated and angry. Today I suddenly had to throw up and been feeling very dizzy after the hours of talking with Bank of America employees who just turn me in circles and dont understand whats going on. 

Today they just emailed the small business department to ask to remove the hold.. last month they already removed the hold and said they released the money and the cheque is on the way its the 4th hold that appears and is always mentioned weeks later.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital one asking how much I needed to pay to east is the account. I did just that. The following month they billed me when the account was supposed to be closed and satisfied. The account ended up with interest I called them to report, they said they was going to investigate the phone call and get back to me. They never did. Asked them for my payment history to submit it in my complaint but they refused to send it to me. I called them back and a manager was going to call me back about negotiating a settlement never received a called. They have put that on my report effecting my fico score.

Company response to consumer: Closed with explanation