vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I am currently on reduced hours due to the XXXX  vacation and my hourly wage and hours worked are reduced till XXXX. 
On average I am only making XXXX a month. 
My contract is only for 9 months only

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-07-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been contacting the company for a signed affidavit for months now that is required to file a police report and no one seems to be helping me.

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 2023-07-28 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: MoneyLion Inc.
State: OH

Complaint narrative:
I use MoneyLion ( a XXXX phone app ) for a checking account and have been a customer for a little over 3 years. I used a credit rebuilding program with them as well as a product called XXXX which acts as a pay day advance for a fee. I lost my job 6 months ago and have had XXXX income. I just got a new job and upon receiving my first paycheck deposited into my account MoneyLion took the entire balance to pay a previous XXXX balance. I did not authorize any such transaction and the biggest issue here is the bank WILL NOT work with in any way. I am a XXXX XXXX XXXX so I use my own money to do my job, this issue happening with me being right at the start of my probation period could cause me to lose my job. Again the problem here is the bank being unwilling to work with me in any regard. I have made payments when I could to this XXXX  balance over the 6 months and have told them I am 100 % willing to resolve this outstanding balance/ have attempted to set up a repayment schedule. The bank has told me there is nothing they can do and will not work with me at all. This outstanding balance is also on my credit report making it harder for me to seek funds elsewhere. My other banks have been working with me during these 6 months. These banking policies have become absolutely ridiculous and when things like this happen the consumer has nowhere to go these banks take advantage of this. In this cause if I lose my new job over this I am curious to know if this party is responsible and if so what could be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
- Phone was stolen at a restaurant in the evening - Before I could deactivate it, culprit was able to change my XXXX XXXX password - Culprit changed my Chime login information so I could not login - In addition to other finance related offenses committed by the culprit ( that have since been resolved ), they sent the following from my Chime checking account to my XXXX XXXX XXXX  : {$500.00} {$500.00} {$3400.00} {$500.00} {$4500.00} {$30.00} {$490.00} TOTAL : {$9800.00} These were all done fraudulently without my approval. Since then, I have fruitlessly been in contact with Chime to resolve the matter but to no avail ( see below for timeline ), even including a police report to my claim. 

XXXX - I filed claim to dispute transactions- I reached out to Chime requesting to cancel all transactions/ inform Chime account has been compromised XXXX - Chime denied first claim for {$520.00} XXXX - Chime acknowledges my email from XXXX that my phone has been compromised XXXX - Chime denied rest of claim of {$9400.00} XXXX - I resubmitted claim. Attached additional documentation to it ( i.e. crime report, etc. ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - I resubmitted claim. Also messaged their XXXX XXXX. 
XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) This timeline is missing calls I've made to them, which were plenty. In addition, they have sent me the documentation they used to make this assessment twice. Neither time did it include the crime report or the documentation I shared with them outlining what happened that night. 







Personal Statement : On the night of XXXX, someone stole my phone and managed to get access to all my financial information. Since that time, this individual has caused significant damage to me both personally and financially. 

They have caused > {$20000.00} in tax damages. They have committed > {$20000.00} in fraud, etc. 

That night I was going out with other travelers. My phone was stolen at a bar. Somehow the individual was able to gain access to my XXXX account. 

Below I documented all the events. I will update if I find any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2023-07-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of a collection entry on my credit report. The information in question is related to an account held by XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ). I kindly request that this collection account be removed from my credit report as I believe it is inaccurate and unjustified. 

Account Details : Account # : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3800.00} No. of Months ( terms ) : - High Credit : {$3800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - Reasons for Dispute : Lack of Validation : I have not received any validation or proof of this debt from XXXX XXXX XXXX XXXX or the original creditor, XXXX. As per the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I have the right to request validation of this debt, and until such validation is provided, the entry should not be reported on my credit report. 

Incomplete Reporting : The collection entry lacks crucial information such as the monthly payment, past due amount, and credit limit. This incomplete reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) and FCRA Section 623 ( a ) ( 7 ). 

Date Last Active Inaccuracy : The " Date Last Active '' is reported as XX/XX/XXXX, which is the same as the " Date Opened. '' This is not an accurate representation of the account 's activity and may be in violation of FCRA Section 623 ( a ) ( 1 ) ( D ). 

I am kindly requesting a thorough investigation into this matter, and I urge you to remove this collection entry from my credit report promptly. I expect that the credit bureau will comply with the FCRA and FCBA ( Fair Credit Billing Act ) regulations in handling this dispute. 

Please provide me with written confirmation of the investigation 's progress and the removal of the collection account from my credit report. Additionally, please send an updated copy of my credit report once the resolution has been made. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution

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 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 2023-07-28 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: GA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I pay my acount in full with comenity bank, after pay them in full they went back and starting to charge me interes on XXXX  balance account, my account was set on outo pay but they also starting to charge late fees on interes charge on XXXX balance account. This had affected my credit because they reported this to my credit report, and event after I ask to close my account they refuse to close my account and continue charging interes on XXXX balance account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These accounts are also past the legal time to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has repeatedly called and harassed my family, my nieces ( who were not even born when I started college ), and ex 's people I have not seen or heard from for 30 years or more. These people do no know my business. and calling my ex just places me in danger. i had a Income driven plan with them and they did not recertify me after 3 years. When I asked why I got no reply. They wanted me to pay them more than my monthly income. I am now retired XXXX on a fixed income. They have MY phone number they will not work with me. I am being harassed and I have complained about this before. When they called my ex husband. they are NOT working with me on this situation and after paying on time with the IDP THEY CANCELLED IT NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : 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 non-monetary relief
Consumer complaint received 2023-07-28 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: LEXISNEXIS
State: FL

Complaint narrative:
Hello, I have requested my consumer report from lexus nexus on XXXX, XXXX, XXXX and now again on XXXX. I have not been able to receive that report, I have called and suspiciously they are asking me what i would like to dispute on my report. I am not going give them that information until I have a copy in my hands. I wont provide that information they can make changes to the incorrect data to say they are reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I attempted to make an advance payment on my mortgage. When I have extra funds, I like to get ahead on my regular mortgage payments. I was already XXXX months ahead and Loan Depot refused to accept any more advance payments. When I called, they said they have a " new billing system '' that can only accept XXXX advance payments on a mortgage. 

This limitation is outrageous. Since when are consumers prevented from making payments at any time toward their financial obligations? Companies complain people are late on their payments and then when people want to pay to get ahead, they refuse to accept the funds. Frankly, it's a criminal manipulation of the consumer. 

And we are in a XXXX XXXX  with advanced AI system on the horizon. Loan Depot 's " system '' is incapable of accepting more than XXXX advance payments? If so they should file bankruptcy and find a new business to entertain themselves. And I NEVER want to hear Loan Depot or any other financial institution whine about how all their customers are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was deposting into my checkings account and was waiting for my check to be available and they told me that i have wait, som im waiting next you know my account was on hold and they said someone from the branch locked my account and it hasnt be unblocked since

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied inXX/XX/2022. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Someone used my identity and credit and made me in debt I just now wanted to get into my credit and discovered that someone was using and abusing my credit. They put my year as XXXX I was born in XXXX recent amount of money was written off {$1000.00} past due as of XX/XX/XXXX And the XXXX XXXX thats connected to my Experian credit is not my card. They been doing since XXXX it looks like and I didnt even know until 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 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I had a checking account with XXXX ( XXXX, XXXX, NJ, XXXX ) on XXXX XXXX - Transferred - {$10000.00} XXXX to Discover Saving XXXX XXXX Closed XXXX XXXX XXXX XXXX to Discover Saving XXXX XXXX Discover revers back to XXXX XXXX went to XXXX XXXX and asking for my money but they told we didn`t have your money we have transferred to Discover. 

XXXX I have called to Discover and they told we don`t have your money. 
XXXX I have called to Discover and they told we don`t have your money contact to XXXX. 
XXXX I have called XXXX they told we have closed your XXXX and We didn`t have your money. 

I am redirect to XXXX to Discover and Discover to XXXX but nobody told Where is my Money and when can I get it. 

I would like to help me what should I do to get money and who can help me to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I bought a mobile home last year XXXX through XXXXXXXX XXXX XXXX, was sent a payment book that has the monthly payment is due on the XXXX and if paid after the XXXX have to pay XXXX dollar late fee .... No problem. XXXX of this year the bank went out of business, 21st. Mortgage bank bought the contract, the sent a new payment book with the same payment dates. Now XXXX months later there telling me they don't care what the payment book says I have to pay on XXXX or else .... I told them that I have other bills being out of my checking account during that time of the month..I haven't missed a payment yet. They don't care I have to pay on the XXXX. What can do? They keep hastling me

Company response to consumer: Closed with explanation