vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I Contacted My State Attorney Generals office and the Cfpb on old navy sychrony bank because they failed to give me atleast 90 days of applicable relief due to covid-19. My state has passed its own care act and company 's have to give 90 days of covid relief and can not report delinquency or other adverse actions to any bureaus. 
Old Navy Sychrony has violated state laws and I have the screen shots to prove it. I am also enrolled in credit counseling because of the company 's negligents.

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 2021-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AR

Complaint narrative:
My card was charged XXXX dollars to XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I get 1 to 2 calls APPROXIMATELY EVERYDAY, and everyday I ask them to stop, its harassment ... they CHANGE there number and call again..I even told them I was gon na report it to you ... they CONSTANTLY still call it's on going for several months now ... I even asked that they not call on any of PORTFOLIO RECOVERY SERVICES.NUMBERS ... .I ASKED THAT THEY FIND A NEW WAY OF CONTACTING WHOEVER AT THIS NUMBER BECAUSE I WAS NOT GIVING PERSONAL INFORMATION DUE TO ALREADY BEING A IDENTITY THEFT VICTIM..BUT THEY REFUSE TO STOP..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried and wrote to have the wrong addresses and aliases names removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried and wrote to have the wrong addresses and aliases names removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2020 I received my CARES act {$1200.00} payment into my Chime account. My vehicle and debit card were taken without permission by my ex-girlfriend. She then stole approximately {$560.00}. Upon realizing such theft occurred and confronting the thief, I was violently attacked and sustained life-threatening injuries. XXXX XXXX in my head and a XXXX XXXX XXXX. After being released from the hospital, I contacted Chime about the theft. The thief fled the area after attacking me, and was not able to be located by police. Because of it being an active investigation, the police could not release the report to me yet. However, warrants for her arrest were issued for " FRAUD ; CREDIT CARD THEFT MORE THAN {$100.00}, AGGRAVATED BATTERY CAUSE GREAT BODILY HARM OR DISABILITY, DOMESTIC BATTERY BY STRANGULATION ''. Chime 's Disputes team did an investigation, and determined " no error occurred ''. I challenged this determination, and requested a rebuttal. I was informed rebuttals take up to 45 days to complete. Over 60 days later, I contacted Chime regarding the rebuttal. I was told that they determined I did not provide any more information and they stood by their initial decision. This led to me filing a complaint with the XXXX XXXX XXXX. Chime, upon receiving the complaint via the XXXX, promptly closed my Chime account for " violation of the user agreement ''. On XX/XX/2020 the XXXX XXXX Sheriffs Office and XXXX XXXX XXXX Police Department captured the suspect and took her into custody. This allowed the arrest report to be released to me. I provided the report to Chime, and on XX/XX/2020 I was informed by Chime that they " determined an error did occur '' and that " {$560.00} was credited to your account ''. However, as mentioned before, Chime had closed my account months prior to this. So I promptly responded to their email, and informed them that my account was closed and provided updated direct deposit details. Chime then sent me a generic response stating " Any balance due to you will be mailed to the address on file within 30 days of the account closure ''. That was on XX/XX/2020. As of XX/XX/2020, I still had not received a check from Chime for the {$560.00}. I contacted Chime about this, and received a generic response stating " for security issues we can not release any more information regarding this account ''. I promptly responded with an email asking them to review the case, and transfer it to a supervisor, and not to send me a generic response again. Chime then sent me an exact copy of their first response, stating " for security issues we can not release any more information regarding this account ''. 

Almost an entire year after the theft occurred, I'm still just trying to get the {$560.00} that is rightfully mine. Chime 's conduct is immoral, not right, and straight up illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring 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 explanation
Consumer complaint received 2021-01-02 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: TN

Complaint narrative:
In XX/XX/2019, my FICO score was reported to my bank - XXXX XXXX XXXX as " XXXX. '' Since, that time, though I've paid off several accounts, that were " Never reported late, '' Transunion has repeatedly reported that my FICO has been impacted by delinquencies, high loan to income ratios, and pass due amounts - NONE OF WHICH IS TRUE!! As a result, my latest score reported by Transunion is XXXX - This is 31 pts lower than just over three months ago!!

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 2021-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Checking and savings accounts were forcefully closed by Chase in XX/XX/XXXX after a {$600.00} promo code was entered. A {$2500.00} refund check was sent with {$5000.00} held back for unexplained reasons. Visited a Chase branch in XX/XX/XXXX to resolve with no success. Contacted Chase Bank and rep said funds will be release once the check cleared and there is no risk of return. 2 months after check deposited Chase still held {$5000.00} with unclear resolution path. Filed a complaint with CFPB in XXXX. Chase responded and request the check writer ( live in Florida ) and account owner ( live in Delaware ) to visit a Chase branch together in person, prove their identity, prove check was cleared from source Bank account before Chase would release the {$5000.00}. To meet Chases demand, check writer flew to Delaware and we visited a Chase branch to spend 1.5 hours with a banker in XXXX. Chase finally released the {$5000.00} via a check dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened an American Express Serve account and added money with my XXXX key. However, they locked my account and I am unable to unlock it and access my money added. Therefore, I want to close my account and withdraw all the money. I have attached my XXXX transaction records to prove all the transactions are legit and through my own account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
My account on my car loan with Bridgecrest was charged off in XX/XX/2020. The car was repossessed but I got the car back XX/XX/2020. I am currently still making payments on the car but it still shows up on my credit as charged off. I asked them if they could remove it and they refused. If I'm still making car note payments, it shouldn't be charged off.

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 2021-01-02 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring 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 explanation
Consumer complaint received 2021-01-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I never received my statement last month so I called them to send another they did three days later still had two weeks to get to them not processed until I asked about two more times they then found my payment the day after it was late!! I kept telling them not to put a late fee on it they tried to force me to pay online or phone but I had sent the check and would have been overdrawn at my bank they said ok no late fee kept pushing to pay online I sent my XXXX payment same day and they got their payment in three days this took two weeks and charged me a late fee and shows on my credit refused to fix it and this month didnt get my statement until XXXX/XXXX/2030 they refuse to work with me and are ruining my credit and charging me late fees pushing me to pay online I have names of who I talked to dates etc using the excuse its the post office everytime funny XXXX got their payment in three days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Lexis Nexis has been sued before because of incorrect reporting. My consumer attorney had them investigated ( and sued ) a few years ago for discriminating information gathering ; about minorities on my job. Now after our consumer attorney painstakingly worked to fix problems with the credit agencies about not correcting civil judgment lawsuit information ; I was encouraged to check out three other credit agencies for correct information. 
I contacted Lexis Nexis, and they sent me a report that contained not only wrong information, but had infused my sisters name and info and my fathers driving record. This is an invasion of privacy. 

Correct : I did have a traffic citation ( 39 before the 35 mph sign on a road ). I paid the fine early and my license was never suspended.

They have : Me XXXX and license suspended. I sent them three records : XXXX XXXX, never ended ; Court record, paying fine ; and DMV record, never suspended. I did this by XX/XX/2020 ; and they have not responded. 

I am thankful that we have consumer attorneys looking out for us, as I would have thought that after the former lawsuits, Lexis Nexis would be conducting lawful business. I wonder how many jobs were lost because of their carelessness toward citizens. 

I would appreciate if they would do the right thing and correct wrongs and respond to inquiries when asked without us having to report them. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX XXXX XXXX. I just moved from XXXX XXXX where I've lived for 71 years to XXXX XXXX. I have banked with great credit and no problems for decades with a regional New Jersey bank. When I applied for an account at Bank of America online I initiated a {$250.00} online ACH transfer to fund the account. I got an account number online. I ordered an ATM card and checks. A few days later, my new account was shut down because of a 'deposit check ' based on a report. When I called the reporting agency, XXXX XXXX XXXX, they explained my deposit score was low because my old bank was not a part of their system. They didn't have any banking information on me so their was no data, just a few inquiries at the time I tried to open the account. I spent hours on the phone and in the Bank of America branch offices, as instructed, trying to get this straightened out but in the end, I left since the branch could not open my account and the Bank of American system would not accept my XXXX XXXX drivers license.

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 2021-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a RelaCard from US Bank but did not file for unemployment. I closed the account with US Bank and filed a report with Unemployment Office with Colorado.

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Applying to Equifax for my free credit report ( initiated at XXXX XXXX XXXX ) Equifax requires me to file a paper form saying " Online Delivery Unavailable ''. 

It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OK

Complaint narrative:
We received a letter stating that our mortgage loan was being sold to XXXX XXXX XXXX from XXXX on XX/XX/2019. Our welcome letter from XXXXXXXX XXXX XXXX was dated XX/XX/2019. I was suppose to make my first payment on XX/XX/2019 but when I tried the payment was returned to me. I tried to call multiple times with wait times over 30 minutes. I finally got to speak with a real person and they informed me that my loan wasn't in the system yet and my payment wouldn't be due until XX/XX/2019. Tried to pay two different times in XXXX and both payments were returned to me. I tried to mail a check on XX/XX/XXXX and they mailed a check back to me. I called again and they said I still wasn't in the system yet and they couldn't take my payment until my loan was in the system. I finally got my payment of {$1000.00} to go through on XX/XX/XXXX by paying on their website. I was a month behind, so in XXXX I made two payments of {$2100.00} to bring my loan current. They never added the payment to my account, so my loan has been behind since it has been sold. I have provided bank statements three or four times to their cash department. They informed me that the bank statements weren't enough, so asked for me to get a letter from my bank stating that the payments had cleared. I provided this letter to them and they still haven't fixed my account. A month after my account was sold to them, my payments were raised even though my house insurance went down. When I called about this they didn't have an explanation for me and said someone would get back with me after looking into my account to find out why. This has been going on for over a year now. We have had several investigations opened on our account and they will close the investigation with no contact to us and nothing being corrected. My credit score took a huge hit because they reported that we haven't made payments on our loan even after providing all documents they have requested to prove we have made our payments. On top of them losing the payment, they didn't pay my property taxes last year and we received a letter from our County Treasurer saying a lien was put against our house. They did correct that issue after I had to send in lots of documents proving a lien was put against the house.

Company response to consumer: Closed with explanation