vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an email at my place of employment. The email was sent to my work email account. The email was contained information regarding a welcome packet for an account I did not open or apply for. I reached out to the company via phone and was unable to reach anyone for my first several attempts. I was able to finally get someone in customer service to tell them I did not open the account and to inform them that I wanted the account closed immediately. The person I spoke with informed me that he would have to transfer me to the fraud department. I requested to have a number to call or contact should we get disconnected, and was told I would just need to call the same number back and that he would transfer me directly to the fraud department. 

I was put on hold for ten minutes. When someone named XXXX answered the call, he asked me for identifying information. He told me that the matter would be referred to the fraud department. I asked if I could speak to someone in the fraud department and was told that they don't have a direct line that he could transfer me to. I also was told that they will investigate the matter and get back to me, but he was unable to tell me how long the process would take or when I would receive a response regarding the account. I requested several times to have the account closed immediately, and he said the fraud department handles it. He kept trying to get me to get off the phone without addressing my concerns. 

When I asked for his name he provided his first name only. He would not assure me the account would be immediately closed. I expressed concerned, in light of this fraudulent account, it could ruin my credit. He informed me that I wouldn't be responsible for any charges or debt that resulted from the account once Chime Bank had finished the investigation. However, he would not place a block on the account and could not give me a timeframe of when the investigation would be completed. I was told someone would reach out to me via email. 

I have attached emails and the only information I have received regarding the account. He would not tell me what type of accounts had been opened, whether there were any charges were on the account, and why the account was not immediately block. His only response was that someone would reach out to me when the investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax sent my information in a data breach to millions of people which compromise my information being misused I currently am on the dark web and I can't get out I have suffered many consequences from this and all they offer me is protection which is already destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo sent us a letter dated XXXX XXXX that we just received TODAY XX/XX/2022. Stating that they were nonlong will to move forward with payment assistance because they did not recieve the documents needed to review. These documents have been sent in via the ENVELOPE Wells Fargo provided to us. Emailed to the executive office contact and they still haven't received them. Wells Fargo has been XXXX percent discriminatory towards us. We have suffered with COVID. My husband and I both work in the restaurant business the hardest hit industry. Well Fargo has illegal cancelled our XXXX policy on this mortgage and continued to charge us for a product they cancelled with PUT our consent. And we submitted 2 claims they also claimed they never received them as well.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had last used my prepaid XXXX card on XX/XX/XXXX and it had a balance of {$640.00}. When I went to use it on XX/XX/XXXX it had under {$10.00} on it. On XX/XX/XXXX I called and reported that fraud had occurred. I was sent dispute paperwork in the mail which I filled out and returned via email. I called and made sure they received my completed dispute forms and was told they did and I would be informed of their decision via letter. I got a letter saying my claims were denied due to " inconsistent conflicting information ''. The letter also states " You have the right to request copies of the documents that we relied on in making our determination ''. I called to request this information and was told I could file an appeal and ask for the documents. I did both via email and a written letter. I called to make sure they had received my appeal and was told they had and I would hear from them in 45-90 days. That time had passed and I heard nothing. I called and was told my appeal was denied and I would get a letter explaining their decision and documentation in 7-10 business days. That was on XX/XX/XXXX and I didn't get anything. I called this morning ( XX/XX/XXXX ) and was told I didn't get anything because there was no documentation to send me. It was my understanding that they are required to show documentation that they did in fact carry out an investigation of my claims and that the disputed transactions were indeed authorized ( which they were not ). During this process I got a letter stating that I needed to get in touch with the fraud department because they needed more information and when I called the number on the letter I would only get the general customer service department who couldn't tell me what more information I need to provide and just told me to further explain my claim which I did via email. I found out today that there is no way to directly speak to the fraud department only to general customer service who can't talk to me about my case only read vague notes on the computer left by the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2022-01-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On : XXXX  XX/XX/2022 Wells Fargo denied me for the Second Time a Credit Limit Increase, on my Wells Fargo Active Cash Credit Card, just because I had a Couple of Months, using their Credit Card, by them.

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 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This company LVNV continuously keeps obtaining my information illegally and fraudulently and damaging my credit constantly contacting me making threats and impersonating someone else this is not the first time this company has done this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NY

Complaint narrative:
Good afternoon - I had filed complaint # XXXX. I missed the deadline for any updates. XXXX XXXX XXXX is still showing my payment status is delinquent even though Experian had said they will be updating this.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Thhis is a compliant against rooms to go and Synchrony ( both companies are blaming the other ) XXXX XXXX I went into rooms to go and my salesman was XXXX XXXX and was approved {$7500.00} credit for 60 months no payment no interest card and I was told by XXXX that it could be used online, in store or at the outlet and I wouldn't be charged interest on any purchases. I purchased a living room set that day for {$1800.00}. A few months later i found a dinning room set at the outlet store and purchased for {$770.00} and was told again that I wouldn't be charged interest on this purchase. On XX/XX/XXXX I was charged {$19.00} interest and {$29.00} late fee ( which I am not sure why ) XX/XX/XXXX interest charge of {$18.00} On XX/XX/XXXX interest of {$18.00}. So I have been charged {$57.00} in interest charges on a NO INTEREST CARD! I spoke to someone on XX/XX/XXXX reference # XXXX and was told that everything would be taken care of. In XXXX I went into the rooms to go and spoke to the manager and he told me that my order from the outlet store was entered into the system under the wrong promotional type and he would get it taken care of and all interest and fees would be returned and going further the no interest would be honored. I Get my XXXX statement and interest is still being charged. I just left from going into rooms to go and speaking with XXXX and now she is trying to tell me that I needed to spend {$1000.00} to get no interest at the outlet! I was NEVER EVER TOLD this after speaking to over 5 people. Synchrony customer service is now refusing to speak to me telling me that I need to speak to Rooms to GO! I have been lied to and I keep getting the run around. If I was told that I would be getting charged {$18.00} a month interest I would have never made that purchase. All throughout this process I was told that as long as I made my payments on time and paid off before promotional period I would not be charged interest on ANY PURCHASES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 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: NC

Complaint narrative:
I called the credit card company XXXX XXXX on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.

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 2022-01-12 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: NC

Complaint narrative:
I called the credit card company XXXX XXXX  on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.

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 2022-01-12 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:
On : XXXX XX/XX/2022 XXXX XXXX denied me for the Second Time a Credit Limit Increase, on my XXXX XXXX XXXX XXXX Credit Card, just because I had a Couple of Months, using their Credit Card, by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
I started the process to remove my mortgage PMI on XX/XX/21 with FlagStar Bank after they sent me a C-4 Annual Notice PMI disclosure - steps to remove it. I've lived in my home three years, made extra payments, made significant improvements, home values have increased, on-time payment history. I followed the steps sent to me by the lender by sending an email to initiate the request to " XXXX '' On XX/XX/21, I received a letter detailing next steps and requesting a check for {$150.00} to complete a home valuation. That was completed and an onsite home valuation was completed XX/XX/21 by a broker- XXXX XXXX. He had a XXXX hour turn around to report his findings, get paid for his services and confirmed to me on XX/XX/21 it was done. Out of his hands. 

My letter said I'll be notified within 30 calendar days after we receive property evaluation. Well, as of XX/XX/21- they haven't received it. 

I called FlagStar Bank XX/XX/21 for status update and they said there was a note as of XX/XX/21XXXX XXXX XXXX  didn't have an update on the home valuation. FlagStar said it was out of their hands. I need to wait more time - first call said 30 days - from the home valuation. 

I've done everything I can do and it seems like my request to remove PMI is unnecessarily delayed for unknown reasons, everyone is saying it's out of our hands and I can't get a proper status update. Feel like someone has dropped the ball.

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 2022-01-12 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: Lakeside Receivables LLC
State: CA

Complaint narrative:
I paid off a balance to this collection agency that promised me if i pay the certain amount they would send me a letter that would clear off there negative trade line off of my credit report. They sent me a letter that is useless and doesnt clear the tradeline off my report. The letter has been downloaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received callback from a supervisor who left a number but was not able to get back with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: U.S. BANCORP
State: MD

Complaint narrative:
On my Elan Financial Services card or Fidelity card ( Elan Financial Servi ) is what it shows up as on my credit report. It is currently incorrectly reporting that I have a {$16000.00} balance when it should only be reporting a {$1200.00} balance. This should be the balance based on the closing date of XX/XX/2021. I am not sure where they are getting a {$16000.00} balance from.

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 2022-01-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 / {$2300.00} SYNCHRONY/ASHLEYS HOME STORE / XXXX {$3400.00} XXXX XXXX XX/XX/2020 XXXX {$13000.00} XXXX XXXX XX/XX/2020 / {$52000.00}

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 2022-01-12 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: RENASANT CORPORATION
State: MS

Complaint narrative:
Renasant Bank denied my dispute in which a company that I advised in XXXX to stop withdrawing from my bank account. A XXXX payment was withdrawn. Renasant Bank denied my dispute because payments to this company had been made previously. That DOES NOT mean that they have the right to continue to withdraw from my account if I revoked access to my bank account. had to pay {$36.00} to file a stop payment on this account to keep XXXX out of my account majukg unauthorized withdrawals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The consumer reporting agencies are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .I did not give them any written instructions to furnish this on my credit report. I sent certified mail and feel like Im being taken advantage of and being ignore by my disputes. I demand these accounts to be deleted immediately or I will file for ligation.

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