vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, chime closed my account suddenly without any notice. I had my salary direct deposit that was suppose to come into my account on XX/XX/XXXX When you call chime, they dont help you and tell you to email them. And so I did. I emailed them and they said during routine security check, they needed to verify my identity. So I did. I submitted my license front and back. My utility bill and my passport. They renabbled my account again the next day. And then, on XX/XX/XXXX chime closed my account again after verification. And I had another paycheck coming in on XX/XX/XXXX. Not only did chime suddenly close my account without any notice. They messed up life to pay rent bills. I also have a XXXX XXXX XXXX. I contacted chime again and they said they closed my account due to internal policies. What on earth did I do? I am a XXXX XXXX XXXX Living paycheck to paycheck. I have a XXXX XXXX XXXX. They said they can not re enable my account. Man, chime messed me up in so many ways financially you have no idea. Im money less and I cant buy food or pay bills. I have no check till next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: AZ

Complaint narrative:
Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX 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 2022-10-20 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX  ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: OH

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-10-20 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: OH

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
See Attachment A from previous CFPB Complaint. 

USAA Closed Credit Card Account ( Stated that it wasn't reported to Credit Bureau 's ) However it was report to Credit Bureau 's per Attachment B & dropped my Credit Scores & negatively impacted my Credit History " Age Length ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
My original lender sold my mortgage to Lakeview Mortgage company over a year ago. I paid my first years XXXX years escrow no problem. Then the servicer for lakeview, XXXX servicer, sent a letter back in XX/XX/2022 informing me that my escrow balance was too low and requiring my payments increase from XXXX monthly to XXXX monthly. I was upset so i called and had a long conversation where they explained to me what happened. They told me that this change was only for XXXX months and to make up for a mistake on their end and that my home owners went up slightly. However, they were convinced that, after XX/XX/2022, i could resume my original payment. However, in XXXX, ironically, they changed service providers again, moving to XXXX XXXX servicer. Now they are telling me that very little came over from XXXX in my escrow. Now XXXX XXXX is telling me that i am projected to owe over {$400.00} in escrow at the end of the year. I need someone to help me find out where my money went and why this keeps happening. Please.

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 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Dear Madam/Sir, I am writing this letter to file a complaint about Valley National Bank XXXX Valley National Bank is my mortgage servicer and I have had numerous problems with this servicer. In this particular instance the bank claims that I do not have hazard insurance on my property and although I proved the bank that I have a valid policy from XXXX XXXX XXXX the bank has charged my account numerous times for a third party hazard insurance policy without my approval nor any need for it. 

This is not the first time I had problems with this servicer. I have reason to believe that they have a deficient IT infrastructure and insufficiently trained personnel which leads to substandard processing of the mortgages they service. 

I am attaching all supporting documentation along with the details of my mortgage : Mortgage Property Address : XXXX XXXX XXXX XXXX, NJ XXXX Mortgage Number : XXXX Regards, XXXX XXXX Property Owner

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: IN

Complaint narrative:
In accordance with the Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-20 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: IN

Complaint narrative:
In accordance with the Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

# 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I ordered clothes from a company in XX/XX/2022, I never received the package.The company finished their investigation and found I should pay for the package because it was tracked to my address, I .never saw the package. I think the carrier delivered the package to my house, left it in front of my door without a response from me and someone walked away with it. I am not responsible for the debt of a package I did not receive. The company threaten to send to collection and credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS ( XXXX ) ( TRANSUNION ) AND ( XXXX ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF 1ST DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' XXXX -- ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) TRANSUNION XXXX ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C.

1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVETHAT THE INFORMATION IS INACCURATE

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 2022-10-20 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS XXXX XXXX ) ( XXXX ) AND ( EXPERIAN ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF XXXX DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' XXXX -- ACCOUNT NUMBER XXXX ( XXXX  XXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) EXPERIAN XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C.

1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVETHAT THE INFORMATION IS INACCURATE

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 2022-10-20 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: Army and Air Force Exchange Service
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA

Complaint narrative:
I been paying my Mortgage bills to Masshousing and they mixed my payments and they screwed my credit with out no reason because the payments always on time they know about this I need to fix my credit berau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I graduated from XXXX XXXXXXXX XXXX XXXX in the year 2000. I borrowed XXXX XXXX XXXX, obtained by filing a XXXX application, for each of the XXXX years I attended. After graduation I consolidated the XXXX loans through XXXX totaling about {$17000.00} in debt that I was to pay back. In the years since, I have payed when I could afford to, but given that every major life change has been met with a recession, sometimes I just couldnt afford to. Ive probably paid back around {$20000.00} in the last two decades, but after going through XXXX defaults and subsequent rehabilitations, I currently owe more than {$65000.00}. After starting with XXXX XXXX my loan went to XXXX, who kept me in deferment for most of a decade. They recently sent me a check for a nominal amount of money as a pay out for a class action lawsuit brought against them for that practice. After my last rehabilitation my debt was moved to Nelnet. Somewhere in all of that my debt became reclassified as private despite still being listed on Studentaid.gov as an XXXX loan. 

Nelnet has insisted I pay and charged me interest throughout Covid, insisting that my debt is private and therefore not covered under Covid relief. When I complained, Nelnet relieved me of a couple of months worth of interest and past due payments, but immediately started sending me bills expecting me to pay despite the relief included in Covid relief. When I insisted that my debt was public, they refused to work with me. I put in a complaint with Studentaid.gov, but all that was done was to check with my debt holder and believe them instead of me. Feeling helpless, I hired a lawyer through XXXX, XXXX, XXXX XXXX law firm who had me fill out a form to reconsolidate my debt as public and have it transferred from XXXX to XXXX. Despite paying a retainer of around {$1000.00}, as best I can ascertain, none of these forms were ever filed with the respective institutions. Each time Ive reached out to the lawyer I hired through that firm, Im told they will check about the forms and get back to me. I then get a bill for contacting them but never hear back.

I will apply for the current loan forgiveness, but as my debt is erroneously listed as private, Im sure to be denied any further relief just as I didnt get any Covid relief. I am reaching out and telling you this story because none of the systems in place to protect me are working. Without more thorough and effectual relief this debt burden will continue to grow, holding me back in life, and any further relief offered by the federal government will continue to be denied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened an account in Chime in XX/XX/XXXX because I was traveling to XXXX, and Chime advertises they dont charge any international fees. My account number is XXXXand the email used to open the account is XXXX. I deposited {$310.00} dollars in the account for traveling expenses. On XX/XX/XXXX I tried to pay for an expense in XXXX and the account was locked. Chime states in their phone application that there is an email to send information to verify my identity and unlock the account. The same day ( XX/XX/XXXX ) I sent the requested information to chime. After multiple calls and escalations ( my mom and and dad called twice, and I called in XX/XX/XXXX and XX/XX/XXXX ) the account continues to be locked andfunds are not available. I received a support ticket # XXXX however when I asked today to the supervisor if the account can be cancelled, so I can receive my funds back, or if there is anything that can be done to access my money. Supervisor states that there is nothing to be done, there is no time to resolution and there is no one that we can call to address the problem only the " backoffice department '' can Unlock the account. I have not been able to access my money, and this company wont respond to the emails I sent. As of today Chime has locked me of accessing my money for 23 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation