vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company, i got a response XX/XX/2022 from this company via cfbp and they have not deleted the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
XXXX XXXX Bal. {$0.00} XXXX XXXX  XXXX {$0.00} XXXX5 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I've been trying to get the escrow account on my mortgage closed for 6 months. I submitted all the paperwork in XX/XX/2021. They verified receipt of the paperwork. It's been almost 6 months since then and it's still not removed I've called 1-2 times every month with no resolution of the issue. I keep being told it's reviewed and no one can do anything about it. I've been told it will be resolved by a certain date multiple times ; those dates have come and gone. Customer support has been completely useless in helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account This is the third complaint regarding this matter. Chase Bank is saying that they have attempted to reach me on several occasions, if they have, I am not aware of it, however if chase has attempted to call me with my caller id showing " unidentified number '' or if it does not identify itself when I politely ask " who is calling '' I SIMPLY HANG UP. I AM XXXX YEARS OLD, I LIVE BY MYSELF, I AM TOLD OVER AND OVER NOT TO GIVE PERSONAL INFORMATION OVER THE PHONE, THAT IT IS NOT SAFE, I FOLLOW INSTRUCTION ; I AM A LAW ABIDING CITIZEN. Chase does not identify itself, does not have a human being monitoring their customer inquiries over the telephone, I ignore them. CHASE IS NOT ABOVE THE LAW, CHASE BRANCHES ARE NOT OPEN. When by chance you get a person, this person is from the XXXX, barely speaks English, and sounds as she just got out of grade school ; do you think I will give personal information to that child?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Friday XX/XX/2022 I received a direct deposit of XXXX of that {$570.00} was supposed to be auto sent to a secured credit account I have with chime the money never made it into the credit account and never came back into my checking account I transferred a total of {$2200.00} into my credit account and {$570.00} is still missing chime bank refuses to give me an answer and says that I received the funds a customer service representative did the math and agreed I had money missing and I have put in multiple escalations and the company hasnt responded besides to say I cant dispute the transaction and the money is there but it is not reflecting on my side and customer service keeps bouncing my calls and telling me the same thing that nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
We have been in touch with our mortgage provider on several occasions. Stressed that we have been struggling making payments. THEY CLAIM THEY CAN HELP! But have been told that they can't. ADVISED BY OUR LAWYER we can apply for a forbearance!! NEEDING HELP WITH DOING THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened Citibank checking and savings accounts on XXXX XXXX, 2022. I had issues with my debit card being declined, even though funds were available. I called twice about that. Then it worked again. 

On XXXX XXXX, 2022, I deposited my paycheck via the mobile app. Later on that day, I couldn't access my accounts. They weren't even showing up in the app or on the website. I called and customer service ( which was outsourced overseas ) and after several transfers and holds, was told that the check I tried to deposit was flagged for fraud, and that it would take a week to process. Checks don't take that long to go through anymore. I explained it was from my employer and it's my paycheck. I asked to speak to a supervisor and was told none were available and I would get a call back in XXXX days. 

On XXXX XXXX, 2022, I called Citibank 3 times. I had bills about to go through and I needed my accounts unfrozen. No one could help me - I was told again that a supervisor was not available. I was able to deposit my check into my other bank, with no problems. So I asked Citibank to stop processing the check, and they said only my employer can do that. My office XXXX said otherwise. I just want my accounts restored so I can move my money out of this bank. I am also looking into pursuing legal action.

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 2022-02-01 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:
I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX XXXX again and the CFPB. XXXX XXXX claims that it is not showing up in their system and closed the case, yet I still see the hard credit inquiry on my report. I am planning on shopping for a home soon and it is important that this be corrected.

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 2022-02-01 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: NY

Complaint narrative:
On XX/XX/XXXX I received an email from MyIDCare alerting me to a credit inquiry dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. I reached out to XXXX and started a case number XXXX and was told that the Inquiry conducted by XXXX XXXX XXXX was on behalf of XXXX XXXX XXXX. I immediately checked my freezes that I knew I had in place with Experian, XXXX, and XXXX. It turns out that my Experian freeze had somehow been lifted from XX/XX/XXXX to XX/XX/XXXX and I had Experian reinstate it. The activity in question was effectively halted. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, NA, reference number XXXX, stating that I had an application pending for a XXXX XXXX Credit Card and that they require more more information from me. I called them to state that I had never made such an application. They aborted the application and flagged it as fraud. On XX/XX/XXXX I filed a police report with the XXXX, NY police department ; police report number XXXX with Officers XXXX ( XXXX ) and 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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Unauthorized credit inquiry on XXXX XXXX report by Nationwide Credit Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in XXXX XXXX report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit CARD with JP MORGAN CHASE BANK. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: SC

Complaint narrative:
Incorrect information was put on my credit report and I would like it removed immediately as it is affecting my scores and future outlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I applied for the American Express XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I had reserved a car through the XXXX website and was charged {$80.00} on XX/XX/XXXX. I went to the XXXX to pick up my rental car but didnt meet the requirements, which were I had to be XXXX XXXX XXXX or have a credit card with a balance greater than {$300.00} if I was under. I was XXXX and only had a bank card and so I had to cancel my reservation because I dont own a credit card and ask for a refund and was told to contact XXXX XXXX I called XXXX and told them what happened and was approved for a refund by the supervisor and it would take XXXX business days. Shortly after on XX/XX/XXXX they said they would contact XXXX and get my refund, then a day or XXXX after they email me again saying they could contact XXXX and so my refund was denied. XXXX was never responsible for my refund as they never charged my card only XXXX did and so I contacted my XXXX support and reported it. After a week or so I was given provisional credit as they investigated and then yesterday XX/XX/XXXX I was told XXXX had been awarded the claim and they would take back the {$80.00} provisional credit. I had emailed them proof and my sister was theyre that day I was on the phone but they still didnt refund me for a service I never received and kept my money blaming XXXX that XXXX nothing to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001

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 2022-02-01 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: TX

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
In XXXX of XXXX I was sued by Cavalry SPV i<LLC for a credit card debt and requested validation of the debt. It was never received and we've gone to court for pretrial for 9 months with each time the judge gave them time to provide the requested validation. 

1. On XX/XX/XXXX, the Defendant filed with the Court and served Plaintiff with Defendants response for Production to Discovery to obtain full and complete answers to the Defendants Interrogatories. 
2. On XX/XX/XXXX the Plaintiffs response to Defendants request for Production was as follows : Objection, immaterial, irrelevant burdensome, vague and ambiguous and not reasonably calculated to lead to the discovery of admissible evidence. 
3. I, Defendant, have served the Plaintiffs with interrogatories requesting the specific substance of the facts of the case and have received vague responses. The Plaintiffs have refused and have failed to provide full and complete discovery regarding the information requested by Defendant. 
4. On, XX/XX/XXXX, the Plaintiff had not submitted a response to the Defendants addition request for validation and the Honorable Judge had given the Plaintiff 14 days to the Defendants request for validation and interrogatories. 
5. Plaintiff has failed to submit any documentation evidencing ownership of the account to the Defendant. 
6. On, XX/XX/XXXX, the Honorable Judge directed the Plaintiffs to provide the necessary documentation to the Defendant within 20 days or the case would be dismissed at the next pretrial hearing set for XX/XX/XXXX. 
7. Rule XXXX, Florida Rules of Civil Procedure requires Plaintiff to attach a copy of All bonds, notes, bills of exchange, contracts, accounts, or documents upon which the action may be brought or defense made, or a copy thereof or a copy of the portions thereof material to the pleadings, shall be incorporated in or attached to the pleading. 1 Rule 1.130 ( a ), Fla. R. Civ . Pro. Plaintiffs Complaint fails to state a cause of action because it fails to satisfy the strict requirements of Rule 1.130.

8. Therefore, Plaintiff has not attached written instruments sufficient to demonstrate that Plaintiff may even bring this action. 

Validation was never received. On XXXX XXXX the Judge DISMISSED the case for the plaintiff 's failure to comply with outstand discovery requests. 

Please have Cavalry remove this from all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX OF XXXX Date of Inquiry XX/XX/2021

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I entered into a loan modification agreement with Huntington Bank. I met the qualifications of the loan modification payments and made my new payments on time XXXX, XXXX, and XXXX of 2021. Instructions as of the initial agreement said if I made payment prior to XX/XX/2021 that I would receive a modified loan agreement with the new payment. Huntington never sent me the new loan agreement. XX/XX/2021 I inquired as to where the new agreement was and was told the flex modification department was behind and to continue making the agreed upon payments. I have made the payments since XXXX of 2021 that were part of the loan modification every month that I was instructed to do in the amount of {$1400.00} and Huntington has repeatedly reported me as 120 or more late which is not accurate. I submitted the modification letter and the inaccurate late payments have not been removed from my credit report. When I call to make a payment numerous customer care agents at Huntington fail to see my modification agreement and tell me it does not exist until they take a while to look into my account and then they see it. Then they accept my payment.

Company response to consumer: Closed with explanation