vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
I made a deposit of {$500.00} with XXXX XXXX XXXX XXXX on XX/XX/2021. After making the deposit I have been unable to get in touch with anyone at the office. On XX/XX/2021 I contacted Chime to dispute the charge. I was told the dispute could take up to 90 days for processing due to the type of dispute it is. I waited for that time to pass, checking in intermittently. I was always told to expect a resolution no later than XX/XX/2021. 

As of today, XX/XX/2021, the dispute is still outstanding. I have called Chime 's customer support repeatedly as well as communicated via the app, and keep being told it is being escalated. Yet it still isn't resolved, I still haven't heard from the merchant, and I don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under XXXXMy Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX Equifax Global Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXX XXXX  and XXXX XXXX  ET, Mon-Fri ; XXXX XXXX  and XXXX XXXX  ET, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
*I attempted to open a CD online with Marcus by Goldman Sachs . 
*Their computer system failed and I had to complete opening the account with a representative. 
* I was told that their tech team will look into why their system was failing and that I MAY have online access in about a month. 
* I received hard copy forms to complete in the mail about a week later including the backup withholding statement. 
* The forms were mailed back the in the Marcus provided envelope the next day XX/XX/XXXX. 
* On XXXX I receive a statement on the account in the mail that showed a withdrawal for backup withholding. 
* I am told that yes backup withholding as they do not have the backup withholding statement that that was mailed over a week ago. 
* I offered to complete another form or send a copy if they would like to send overnight mailing instructions. 
* I was told that they do not do overnight for their customers etc., that someone from customer care would call me 1 to 2 days and by the way in another 10 days the backup withholding becomes non reversible. 

So I have spent 4 hours on my time trying to open and correctly post my {$250000.00} CD. Their computer system has failed, there is no urgency for them to fix it, the backup withholding form has had plenty of time to get to their OFFICE but someone would need to be working in the OFFICE to open the mail. They set a deadline for non reversal of the backup withholding and do nothing to accommodate the customer to offset their computer and administrative failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, Transunion and XXXX  and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.

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 2021-08-10 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: TX

Complaint narrative:
My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and XXXX  and Equifax reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All 3 credit bureaus are not updating my FICO XXXX  score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the 600s but the FICO XXXX is in the low 500s

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 2021-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrystler Capital is attempting to collect a debt not owed by me. I have never signed or applied for a loan with them. This is affecting my credit rating, and is defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Applied Data Finance, LLC
State: TX

Complaint narrative:
I have repeatedly asked for verification through the credit bureau on this account and have received nothing. It is being listed as a chargeoff on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2021-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under 'My Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXXXXXX XXXX and XXXX XXXX ET, Mon-Fri ; XXXX XXXX and XXXXXXXX XXXX ET, Sat-Sun.

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 2021-08-10 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: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
XX/XX/2021 Company called from phone number ending XXXX. Refused to tell me this was an attempt to collect a debt, after confirming identity. The rep Interrupted me when I attempted to say if this is an attempted to collect a debt discontinue calling me and to only contact me by mail. Spoke over me and Continued to say that it was a personal business matter. Wanted me to confirm personal information. I asked several time what does your company do and what the personal business matter was concerning. Ended call by saying if this is attempt to collect a debt discontinue calling me and to only contact me by mail. 
XX/XX/2021 Called from phone number ending in XXXX. rep refused to give his name or address of the company he represented after I confirmed my identity. Rep wanted me to confirm personal information. I refused several times, as I am not required by law. I asked 3 times if this is an attempt to collect a debt discontinue calling and to only contact by mail. The rep hung up during my 3rd request to discontinue calling. Company has refused to comply with my request. 

This complaint is to serve as official documentation of harassment by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TN

Complaint narrative:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: FL

Complaint narrative:
The account is more than 7 years old from a lease that expired/terminated in XXXX of 2014 from ex-wife and my name was to be removed from lease contract upon expiration of same. Per Fair Debt Collection Act the account should no longer be valid and/or in collection. Account lease terminated XX/XX/2014 however I keep getting collection statements from Hunter Warfield

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Starting in XXXX of 2020, I was charged a late fee by Comenity Bank for a XXXX credit card. As this was a one time issue, I tried contacting the company multiple times to discuss waiving the fee. I meanwhile, paid the balance on my credit card. After being put on hold numerous times and never reaching a person as well as sending emails, I was unable to reach someone. They started to tack on fees to the original fee. Again, I tried contacting them. Finally reaching a very rude individual who told me I needed to pay the full balance that had now accumulated. Meanwhile, I was receiving 3-4 calls a week from Comenity Bank telling me they were here to help me with any covid issues. I talked to one of them and realized they had no connection with the issue I was having. I am apparently on their call list as they see there is an overdue balance. They are so willing to help me in times of covid issues and yet they are charging me fees upon fees. They told me to send a complaint in writing. I did this through their website. In addition, I also called again and this time spoke to another person who told me I just had to pay all of the fees or this would never stop. I tried a 3rd call and reached a polite individual who reiterated what the comentiy callers had told me-to send it in writing. Since then, they have continued to tack on charges month after month. I now have a {$210.00} balance that is all fees, no purchases. I received a letter in XXXX thanking me for contacting them ( in response to the written complaint I filed ). Now they are asking for me to provide them with as much information as possible. I already did this the first time. There was no direct contact info or name for anyone I could contact. And again, they tacked on two more months worth of fees since then. I have invested enough time trying to solve this and watch as this balance grows from a {$24.00} fee to {$210.00}. I do not want to get stuck paying for something that is not owed and as far as I'm concerned is unethical. I was told by their representative originally that I had to pay even if I did not owe the fees. It appears they are involved in dishonest practices of charging fees on credit cards with no balances and harass the customers until they finally give up and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is reporting conflicting information on my credit report as far as the XXXX. Can you please have them provide you with this information.

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 2021-08-10 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: IL

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence

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