vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Company denied application against the law. I applied XXXX, Monday XX/XX/2024. I carry a monopoly in bank with post master and unauthorized inspector General with US mail-box denies account and threatens to send a threatening letter containing inspector General mind altering data. Bank refuse to issue card with correct intitials and keeps trying to put inspector General name on card opposed to US intial first and last include special character space of copyright in birth-given name and surname.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I requested a forbearance XX/XX/2024. They cancelled the request a month later and told me I would have to re-request it. I did so, they then denied the request and approved a short sale, which is not needed or requested since I have equity in the home. After communicating that a short sale was not needed ort useful at all, they said to appeal the decision with an additional letter explaining what I needed. I am in need of the temporary forbearance in order to correct my situation and move forward without defaulting. They have dragged it out for almost XXXX  months now and I have had to borrow money so that I could make payments and maintain good credit. Maintaining good credit is crucial to my plan to permanently fix my temporary financial hardship and make my payments on this mortgage. At this point it seems they are attempting to cause a default rather than help to work with me on a solution. Had they worked with me on my request, I would be well on my way to a permanent solution that would allow me to make payments on this mortgage for the duration of the loan. The loan rate is 3.625 %, and there is $ XXXX in equity in the home, it appears the owner of the debt XXXX have financial motivation to not work with me for a solution.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have called in XX/XX/year> to get my credit report. Lexis Nexis did not send it. 

I called Lexis Nexis to order for my credit report for the XXXX  time. Lexis Nexis sent me a letter with an access code. 

The access code does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
An unknown collection has began showing on my credit report XX/XX/24 under XXXX XXXX XXXX reporting a balance owed of XXXX $ that I have no contract with and this debt is not mine.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
While waiting in line to cash a check i overhear a coversation between a woman and the concierge. The woman says she " only wants to cash a check '' and the concierge explains that she has to go to the window for that, which is the line I'm standing in. After waiting for another XXXX min, when it is my turn to be waited on, the concierge tells the woman, " I will help you '' and the concierge goes to the teller, XXXX, and asks her to process the transaction for the lady waiting instead of helping the next in line. When i approach the window and ask if i need to wait in line or if the concierge can skip the line for me, the concierge shows me the personal ID of the woman who was helped out of turn, in front of me, and says, " look at her, she is XXXX. '' I inform the concierge that i am a XXXX XXXX  with XXXX young children, that like this woman, I am attempting to also cash a check and that they should treat customers fairly. She disagreed and said " come on sir, she is XXXX. '' I said ok fine, i want to close my account and then was escorted to an office by XXXX women who closed the door and started aggressively asking me questions. " Why didnt you ask what was going on before closing your account '' and " why are you making a big deal '' I responded that i was discriminated against, which is against the law for a reason, and I want to take my business elsewhere. 
The manager moved closer to me, stood over me, wearing her sportcoat and a very serious face and told me that she " is personnally offended that i said i was discriminated against. '' As she was a XXXX XXXX, I took this to mean that She feels that as I am a XXXX  XXXX, I am not allowed to complain about being mistreated under the law. I told her that closing the door, physically approaching me, and holding my ID and my personal space as hostage while she yells how offensive i am, is actually threatening me in response to a valid customer complaint. I asked her to open the door and proceed with closing my account. She then said that me saying i feel threatened makes HER feel threatened by ME and that i am again the one in the wrong. I disagreed and asked that they process the account closure, so they did. Then after yelling at me and saying how horrible i was for feeling discriminated against while not being XXXX XXXX XXXX XXXX they all smiled and wished me a great day... further showing what disingenuous liars they really are. Im so glad i am no longer affiliate with a bank that hates me for my appearance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am not liable for this dept with AWA COLLECTIONS, I do not have, nor ever had a contract AWA COLLECTIONS. They did not provide with the original contract as requested. 

XXXX has investigated this and I have uploaded proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX Bank has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. Please notify XXXX XXXX XXXX Bank XXXX XXXX the right thing and remove the unauthorized hard inquiry from Equifax. Equifax also confirmed that XXXX XXXX XXXX Bank XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX Bank XXXX XXXX following but still has not acted to remove the Hard Inquiry : " It's our policy to comply with all applicable laws and regulations. We've reviewed the account and found no violations of law. We previously responded to correspondence regarding this same matter with our letter dated XX/XX/XXXX. XXXX submitted another request to the credit reporting agencies to remove the XX/XX/XXXX, inquiry from the credit reports. Were not affiliated with the other company listed in the correspondence. They will need to be contacted directly for matters related to them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Hello My name is XXXX XXXX. 
XXXX I used " Chime '' financial institution to pay for a stay at a hotel, called, " XXXX  '', XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

The cost of the stay was {$110.00} for XXXX night from the XX/XX/2024XXXX but I was charged an extra {$100.00} which total {$210.00}, that was taken from my Chime account. 

I placed a Dispute in on my behalf at Chime on XX/XX/2024. The representative of Chime reached out to " XXXX '' who stated that they would not be giving me the money back. It was then the dispute was filed on XX/XX/2024. 

" CHIME '' have confirmed ( By several Managers ) that the extra {$100.00} has been taken from my account, but the money have not been placed back into my account. 
I was told that the money would have been accredited back into my account on XX/XX/2024, however it was not. 

I called to see what happened and I was told it was placed in the wrong " category '' that made it ineligible for a {$100.00} credit, so they " recatorgorized '' it at that time, to put in the proper category. 

I was then told, in which they stated that if it was not resolved by XX/XX/2024, it would be credited back into my account, however I decided to check on the dispute following that, just for updates, and the dispute was denied, upon speaking to a representative i was infomed of it. 

After finding out that it was denied, I questioned for what reasoning, when it as evident that the money was missing, I was told that it was " reopened '' because it shouldn't have been closed because it is obvious the money was taken and it was unauthorized, as I stated. 

I was also informed that it would take up to XXXX  days to resolve, when it states in the dispute per my claim, that it takes XXXX Business days. 
Seeing that my dispute has been restarted XXXX  times, it has exceeded that time frame and prolonged. 
My concern is that the investigation has restarted XXXX different times and the problem is still not resolved. 

I do NOT have money to give away and neither do I have time to continue waiting for it to be credited back into my account, it is going on a full month since the dispute. The merchant is not returning the money so it is unclear why Chime have not given me the money back. 

I have been getting the runaround pertaining to my money that I entrusted with this XXXX XXXX. My money as a consumer and customer of Chime is covered under the " FDIC '', which is another reason why I do not understand why my money has not been returned to me, after confirming the unauthorized charge and the merchant is in Non-compliance with the investigation. 
Today is XX/XX/2024 and I have not received my {$100.00} back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some of the accounts listed have wrong info about when they happened and how much they were 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The XXXX business credit card appear in my personal credit score. I can not take any loan or refinance the existing one because of this. Business credit cards should not be included in personal credit account. Please help!

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX {$810.00} XXXX, XXXX {$480.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$620.00} I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX {$810.00} XXXX, XXXX {$480.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$620.00} I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: PA

Complaint narrative:
I think FCRA 605B means we have to delete wrong accounts from my credit report. Can you look at the papers? Some of the accounts listed have the wrong dates and amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2024 Dear Bank of America, I am responding to your recent message about the {$320.00} fee charged to my account. While I appreciate your thorough review of the transaction history, I must respectfully disagree with your conclusions. First, I would like to point out that Bank of America associates should address the misinformation and disinformation about the fee waiver. Despite being promised by XXXX XXXX that the fee would be waived, I was ultimately charged the {$320.00} fee. Additionally, the coercion and threats made by an unknown agent to participate in a recording to authorize the fee raise serious concerns about the integrity of the transaction. Moreover, I was not adequately informed about the non-negotiable nature of the fee before the promotional offer was processed. This lack of clarity left me under duress and compelled to accept the offer. Given these circumstances, I'm requesting a refund of the {$320.00} fee as a gesture of goodwill and acknowledgment of the mishandling of this matter. I hope Bank of America will reconsider its position and take the appropriate action to address the concerns raised. Thank you for your attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Penfed has an iblnaccurate balance if {$2300.00}. My balance is {$1400.00}. The dispute is stating the balance is {$2300.00}.

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 2024-04-22 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: PA

Complaint narrative:
There are inaccurate accounts on my file so please check the documents I've sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I've tried for years to get my transcript from XXXX  XXXX University and they refuse to release it to me on grounds that I owe them money. During the course of my time there the school that I went to at the University went under a Title Nine investigation for having students go on XXXX  watch for consistent years in a row and even then they refuse to release my transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX XXXX for the amount of {$1000.00} the date they opened the account is XX/XX/2023. I have also already obtained an FTC report for Identiy Theft.

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