vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( 0 minutes ago ) to me I am writing to express my concern regarding the current status of my Chime account and the apparent withholding of my funds. I decided to open a Chime account to receive direct deposits from my current job. On XX/XX/2023 I got an email stating that my account with chime was closed. After contacting them they told me that I violated the deposit account agreement and that they could not disclose why my account was closed. There has never been any fraudulent activity on my chime account. I contacted them multiple times, only through email because they did not have a phone number for me to talk to a live agent at the time. I was told in an email from chime on XX/XX/2023 that within 30 days of my account closure I would receive a closure check. 30 days passed, I was never sent a check, nor did I receive any confirmation from Chime that a closure check was sent. After contacting them again they continued to give me the run around and say that they need more documents even though I had already previously sent documents verifying my identity, home address, proof of my deposits, etc. On XX/XX/2023 I sent one final email with all of the documents once again that I have already sent them multiple times. After days of waiting for a resolution to the problem that I have been dealing with for over a month with chime they stated in an email on XX/XX/2023 that now my account is no longer eligible for a refund. So, they are refusing to give me my funds that I legally worked for. I reviewed the terms and conditions of my account agreement and didnt see anything that I violated. They never gave me any proof on the closure of my account and why it happened. I kindly request a detailed explanation for the withholding of my funds and a clear timeline for their release. Chime did not do their part in solving any problem I had with them and they have continued to withhold my funds without any legal action. I believe in a fair resolution and hope to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Report shows this account was opened XX/XX/2023, it has been opened for 2 months, the account status is open,, the responsibility is as individual and the amount owed is {$300.00}. 

This account states that the original creditor name is : XXXX XXXX XXXX 

I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX 
Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.

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 2023-08-14 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: NE

Complaint narrative:
I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
REF : Account closed # XXXX Fund is on hold {$25000.00}. 
I am writing this letter about I open on lines Miles Ahead Saving Account # XXXX Checking Account # XXXX. After opening account I sign into the Citibank website to attempt to open an account and when I tried to fund it I linked my XXXX  account to Citibank and my linked XXXX as well. I have transfer {$10000.00} from XXXX XXXX and {$25000.00} from XXXX XXXX  and both transfer was made successfully and posted to my Citibank Miles Ahead Saving account as of XXXX XXXX. I received email on XXXX XXXX that my both accounts has been closed that I have violated the terms of my accounts per client manual. I did not do any violation. 
I requested the XXXX  to get my money back from my Citibank account and XXXX  recall ACH and got my {$10000.00} back to XXXX  account. After this Citibank debit {$25000.00} from my citi bank saving account without my permission and I dont know where that money Citibank transfers it. 
I have been calling Citibank nonstop for the last 47 days about my money every time they connect me Fraud dept. The calls are answers offshore call centers. I contact my XXXX  XXXX  to recall ACH from Citibank and XXXX XXXX  refused to recall the money because I authorized Cititbank to debit my XXXX  account so there is no way for XXXX to do the recall because the transaction was not initiated by XXXX. It appears that the money hit my Citibank account # XXXX but the account was flagged as suspicious. I need to know Citibank is why the account was flagged and where are they holding my {$25000.00} money. I need my money back. Attached the all document from my XXXX XXXX  send information.Please Send my money as soon as possible. 
Thanks XXXX XXXX XXXX XXXX phone # 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 monetary relief
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.

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 2023-08-15 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: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00}

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 2023-08-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX XXXXT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a XXXX XXXX XXXX have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I was notified via certified mail on XX/XX/XXXX of Selenes intent to foreclose on my house on XX/XX/XXXX. I was told on XX/XX/XXXX that my modification that had been pending approval for over 6 weeks was rejected due to insufficient documentation. The issue with documentation according to Selene modification team via a phone call on XX/XX/XXXX was that the Profit and Loss statement I provided only went to 23 days for the month of XXXX. I corrected the modification person on the phone that on the P & L spreadsheet the 23 represented the year XXXX, just like it was shown in the XXXX thru XXXX columns, standard format for a P & L. I was then told on the same call that it was not rejected due to the 23 days for the month of XXXX, but instead the P & L was not dated and signed. While on the phone with Modification representative, I verified P & L that was sent to Selene on XX/XX/XXXX, signed, and dated, and sent again on XX/XX/XXXX signed and dated. I even printed out the P & L while on the phone it was signed and dated. I was then told often the Selene systems do not recognize digital signatures on PDF. So, after waiting XXXX to seven weeks for modification approval, I am faced with foreclosure again due to a document issue that clearly is of no fault of mine. I find it curious that the issue with the XXXX & XXXX changed on the call with the modification representative from only 23 days for XXXX to document unsigned. I also dont understand how a company can sometimes not see a digital signature on a PDF. 
I, as requested again re-submitted my modification package with updated data, 48 hours after being told my modification was rejected. I have been working on a modification since XX/XX/XXXX. The one modification that Selene designed in XXXX was unworkable as noted in several discussions/correspondence with Selene. I submitted several workable suggestions to Selene with each of my modification requests. With HAF and other programs my mortgage could have been close to reconciled by now. Instead, Selene takes the most undesirable route which leads me to believe their interest in getting a resolution is not genuine. As stated, this modification fiasco has been going on for 8 months or more, the whole time Im falling further behind on payments, penalties, and legal charges, which Selene shows no interest in forgiving or reducing the penalties or legal charges. 
I once again find myself hoping for a positive resolution to this third modification request. I am including with this email much of the correspondence I have had with Selene related to modifications, as its always just like starting over each time, no one person seems to be assigned to my modification or loan. 
I am also providing a copy of this letter and additional information to the Consumer Financial Protection Bureau, as well as my congressmans Advocates office. I hope Selene will take this modification request urgently. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: GA

Complaint narrative:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, Transunion, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to Transunion at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

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 2023-08-14 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: GA

Complaint narrative:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( Equifax, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, XXXX, Experian ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I transferred money from my cash app to my XXXX XXXX account. XXXX XXXX advised cash app reversed the transaction and has the money. Cash app refused to look into this case and denied my claim 2 mins later without looking into it. I wasnt even done uploading my bank screenshots or the letter from my bank advising they reversed the funds and I got a notification my dispute is denied and will not be looked into. 

Legal name : XXXX XXXX Cash tag $ XXXX Email XXXX Phone number : XXXX I had a cash out of {$300.00}, I was charged {$5.00} and Deposit amount {$300.00}. XXXX XXXXXXXX is advising cash app reversed the funds and did not deposit to my account. 
Transaction was an instant transfer XX/XX/2023 at XXXXXXXX XXXX 
I have no idea why cash app would reverse funds, but my bank was not able to keep Them and this is not an instant transfer as I paid for. 

They also advised they they can not do anything with a transaction ID as that is you all proof and they cant pull cash app info using their system. They advised you will need to provide a trace number in order for them to see the reason why the transaction was reversed. They also advised since you all did the reverse you should be able to use your own transaction ID to see you reversed it. I feel like Im am doing all the work here and just being pushed off by cash app. I need to know why you are holding my funds and not releasing them to my bank account or showing in my balance. And I also want reimbursement for the instant fee as cash app did not instantly deposit my funds.

Company response to consumer: Closed with explanation