vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have since receive the report from Chime Bank stating that I am responsible for the withdraws stating that they have linked it by ip address, but still didnt provide any information on if they see the person taking the funds. The funds were being taken from XXXX XXXX XXXX XXXX, XXXX, AZ XXXX at XXXX XXXX. I have witnesses that can verify I was visiting my son cooking dinner at the location of XXXX XXXX XXXX XXXX, XXXX, AZ XXXX when the charges were coming off. The only place my card was used on XX/XX/2020 was at I XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Which they did have a new card reader they was trying to figure out how to work, I feel it may be them, also still had the card with me in my possession while these charges where being withdrawn. When speaking to Chime they didn't not want to help at all in this matter. They were to give me a credit while they do the investigation and didn't, I also had my XXXX XXXX protection get into the matter which they also believe these where fraud transactions. I have had Chime Bank over 3 years and never took out that much money all at once. I have followed all steps in the packet, as well as reached out to XXXX XXXX to retrieved my funds that were stolen from me. Every time we open the case Chime Bank closes the case. I have been fighting back and forth with Chime Bank since XX/XX/2020. The total amount stolen was {$1300.00} which I told Chime that was my funds to move into my own place. Its $ months later and still trying to retrieve what's mine. They didnt care nor gave a credit until proven otherwise. Now that i have to put a fraud alert on my account, im stuck with this back till its over. I have submitted a police report for the fraud as well. Chime Bank is the worse and they dont care what happens to the people that invest into their bank. A very sad story.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX to have the item removed on several occassions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX and a email that was sent on XX/XX/XXXX XXXX XXXX. I called XXXX XXXX to request XXXX XXXX n one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.

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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: ID

Complaint narrative:
I applied for a mortgage refinance in XX/XX/2020 with a company called Better.com. At the time, Better.com partnered with XXXX XXXX to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's XXXX XXXX account 8-12 weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to Better.com ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take 8-12 weeks to post would take another 1-2 weeks ( total of 12-13 weeks, which is after the promised timeframe of the offer  ). 

After waiting almost another 2 weeks, I again inquired by email with Better.com on Saturday XX/XX/2020 since it had now been 13 weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday  XX/XX/2020 ) from Better.com was that the credit would take an ADDITIONAL 1-2 weeks, therefore putting the timeframe in which I receive my credit at 14-15 weeks after my loan closed. I had also called XXXX XXXX and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were 8-12 weeks. That means IF  everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait 3-7 weeks longer than the offer timeframe that I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TX

Complaint narrative:
TransUnion is intentionally doing fraudulent or illegal reporting of information. This credit reporting agency is falsely reporting missed payments on an account ( XXXX XXXX ) that does not belong to me and it has been disputed. Not only is TransUnion doing that, but this agency is also reporting missed payments on this account and the account has been closed. If TransUnion is not going to be held responsible for its tactics, by your organization, then who do I need to contact, that is over your organization? Because, clearly, it can be seen that TransUnion intentionally does thing that is in the best interest of TransUnion and not the consumer.

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 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
On XX/XX/2020, I tried to open an online checking account with Iberiabank, in XXXX XXXX,XX/XX/XXXX. 

I went through the whole process ; answered the security questions ; and was advised the account was opened. 

I was then asked for an initial deposit. I paid the {$50.00} opening deposit via my XXXX card. See below. 

XX/XX/2020 Store Purchase IBERIA BANK, XXXX XXXX,XX/XX/XXXXON HOLD - {$50.00} The next day I get an email from Iberiabank advising me that now that can't open an account for me based on what was inXX/XX/XXXX and XXXX XXXX which they had access to when I was opening the account ). 

Although I have no negative activity with XX/XX/XXXX I sent back a reply asking about my deposit and even offered to provide them an account they could direct pay the account to. 

I am very familiar with how card holds work. There is nothing stopping Iberiabank from simply releasing the hold on my funds. Instead they told me I was approved for an account, had me pay the deposit and then changed their mind ( their right I suppose and not what this complaint is about, even though I would suggest you look into that deceptive practice ). 

Now they are hold my funds " hostage '' for an account they admitted in writing to me that they were not going to open. I have the means that this hold will not cause financial hardship, but Iberbank should have to answer as to what possible reason there is not not release the hold on my funds. And " it will drop off '' which is true, should not be accepted by your Agency. 

This is a text book case of violating promissory estoppel. All elements are met and the damage element is the fact I don't have access to my funds that I would have had access if Iberbank would have opened the account as promised or promptly lifted the hold on my initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis Consumer Center is reporting that " other-not-at-fault '' on a XX/XX/2020 accident, when the other was at fault, ran a red light, I was the only driver who had a right of way to be in that intersection. I received no citation, and I suspect the other driver who ran the red light did. His insurer XXXX paid for the accident and reimbursed me my deductible to further corroborate I was not at fault. 

So, when my renewal came up in XX/XX/2020, I wanted to swtich to XXXX and from XXXX with whom I've been for the last seven years. XXXX gave me a quote of {$590.00}, but then changed it to {$1200.00} when they saw this erroneous credit report from Lexis Nexis. They explained the adverse decision was due to the report. I'm stuck with XXXX paying a higher rate of around {$770.00}. XXXX agrees with me that the XXXX accident was clearly the other driver 's fault as there are no surcharges on my end at all from that incident. 

Lexis Nexis purportedly has no one to answer its automated phones, I'm stuck in the seventh circle of XXXX over there trying to get them to get this off my credit report or do an accurate report of what occurred. And I'm losing valuable time trying to fix something I shouldn't have to fix based on some data entry person 's erroneous assumptions from who knows what sources. 

Help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company never showed up in my credit report and i was completely unaware that it existed. This account isnt mine and their agents kept trying to have me pay when i called to fix the issue. I kept telling him its not my account so theres nothing for me to pay. 

This company came out of nowhere on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: American First Finance, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, a report on my credit appeared On my XXXX XXXX   app about a loan I never received nor even applied for. I immediately disputed it and it was not removed. After numerous attempts to dispute and not clearing it, I called the company who supposedly issued the loan and made no progress over the phone regarding whats happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Contacted the XXXX in regards to civil report filed on my credit report, I submitted the supported documents needed to help the matter. Instead after a few days of researching TransUnion XXXX XXXX XXXX   reported back that the civil matter was indeed accurate but also noted that the matter was dismissed which doesnt show on the report like they stated it would! This information is hurting my rental approval because instead of deleting the report ; they fail to update the matter where it shows the case was dismissed/thrown from court

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 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I would like to bring your attention to a serious issue I have with Western Union wires that first took place on the XXXX of XX/XX/2020 to a FRAUD SCAM Broker : XXXX XXXX XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the XXXX. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX EUR! I would also like to point out that on the XXXX of XX/XX/2020 - I filed a dispute with Western Union. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders. 

With the worsening situation of the COVID-19 in XXXX, I am very worried, as these scammers have affected my well-being and my hard-earned money. I have financial hardship and I am finding it difficult to meet my obligations. I need to get back all the money that XXXX XXXX   XXXX has taken from me. 

These types of scam operations are ruining people 's lives. Nobody has acknowledged me as a victim. All my savings were stolen, depleted due to the Western Unions unlawful conduct. Western Union has not acknowledged me as a victim. It seems like the bank and the scammer think that what happened to me was OK and I should take all the responsibility for being scammed. 

All I wanted was to be able to afford to put a deposit down on a home for my family. I was vulnerable, alone, and had never made an investment in my life until I was defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from SYNCB/XXXX, I cant say this more emphatically, I have never had a SYNCB/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ), Portfolio Recovery Agency ( PRA ) added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX as well as XX/XX/XXXX ( attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. In CFPB v Portfolio Recovery Agency file no # XXXX according to the findings specifically 28. PRA is aware that significant inaccuracies may exist in the Sale Files it purchases, including that some debts balances were not reduced by a consumer 's subsequent payments 31. Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence. 36. PRA did not alter its collection practices when collecting on portfolios that it knew or should have known contained unreliable information. 33. PRA did not monitor its portfolios of debts for accuracy. Yet PRA has continued for years to damage my credit with inaccurate and unverified information and deprived me of my rights to validate the derogatory information. According to FCRA, Portfolio Recovery Agency ( PRA ), had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a mortgage refinance on XX/XX/XXXX with TD bank. 
It is now XX/XX/XXXX and TD have not closed on the refinance. 

I believe TD have deliberately extended the timelines at every step of the refi process to avoid closing on my mortgage, knowing that if we miss the close date they will increase the rate offered to me. 

TD have charged me over {$1500.00} in fees now and still can not tell me when or if we will close. 

They have been very slow in following up on paperwork, with weeks going by without any progress. They have been very unclear with me and my condo management about what they needed us to send them to approve the loan. My condo board had multiple email exchanges where the representative from TD was unable to explain clearly what she needed from us to underwrite the loan. 

The appraisal costs I was quoted were incorrect and jumped up from the amount the quoted me initially ( {$520.00} ) to {$800.00}. I was told that was because I live in a condo. 

I was told I had to pay their fees but it then turns out they have not yet been able to approve my condo for lending. I found this is strange as TD have confirmed they already lend to other condos in my building. 

I believe these delays have been 100 % preventable and it is in TD 's interests not to close during the rate lock period as their rates have increased since we started this process in XXXX. They stand to make a lot more money from me if they let the rate lock expire. 

I raised a complaint with TD on XX/XX/XXXX. They have not responded to my complaint or taken any action to address the delays. I followed up on that complaint today and it is now clear they do not intend to take any action to close the mortgage before the rate expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I applied for a mortgage refinance in XX/XX/2020 with a company called XXXX XXXX  XXXX. At the time, XXXX partnered with American Express to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's American Express account XXXX weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to XXXX ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take XXXX weeks to post would take another XXXX weeks ( total of XXXX weeks, which is after the promised timeframe of the offer ). 

After waiting almost another 2 weeks, I again inquired by email with XXXX on Saturday XX/XX/2020 since it had now been XXXX weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday XX/XX/2020 ) from XXXX was that the credit would take an ADDITIONAL XXXX weeks, therefore putting the timeframe in which I receive my credit at XXXX weeks after my loan closed. I had also called American Express and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were XXXX weeks. That means IF everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait XXXX weeks longer than the offer timeframe that I agreed to.

Company response to consumer: Closed with monetary relief