vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
Hi, On Friday XX/XX/2021 Chime Bank put a whole on my account. I called and was told to email them documents. I emailed the documents that they asked for and still havent heard anything back. Ive been with Chime for 1 year now and nothing like this has ever happened. When my account was closed I had XXXX dollars in my savings account. I have no access to my money now. I called and was told I only have XXXX in my savings. That means my other XXXX is missing. Did chime take it?? I really need my account opened ASAP! I need my hard earned money back I have XX/XX/XXXX small children to care for. Something needs to be done immediately. Its not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: ERC
State: OH

Complaint narrative:
i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
XXXX XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON XX/XX/XXXXREPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Last fall, Freedom Mortgage informed me that they had not received notification of the renewal of my home insurance. Twice I uploaded the info to their website but the website apparently didn't work. On the third attempt XXXX XXXX XXXX, XXXX ) I succeeded. I received an email response that " No further action is required at this time '' ( email attached ). Nevertheless, Freedom Mortgage took {$400.00} ( to escrow for insurance XXXX from my bank account, without permission, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX XXXX statements attached XXXX. 
I had decided to refinance anyway and on XXXX XXXX, XXXX, this loan was paid off XXXX payoff attached ). The attached " History '' provided by Freedom Mortgage shows that on XXXX XXXX, XXXX they paid {$2100.00} and refunded {$1200.00} with the payoff refund. For the last three months, I have requested the difference of {$810.00} several times by phone, and once by written correspondence. To date I have been told that " you don't understand '' how this works and that once the account is closed they " can not do anything ''. This is unacceptable. 
Thank you for your help.

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 2021-04-27 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: OH

Complaint narrative:
i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. XXXX XXXXXX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON EXPERIAN REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX 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 2021-04-27 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: DE

Complaint narrative:
Account is not mines was not notified of results.

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 2021-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
To whom it may concern : I am a XX/XX/XXXXAmerican XXXX XXXX  veteran. The problem started in XX/XX/2021 with PennyMc Loan services. I currently have my VA loan through them and they kept calling me for a VA re-finance so I applied and they were completely incompetent and awful. They repetitively were asking for documents from me from 13 years ago. I spoke with a supervisor and he said it was a mistake and they would stop and the never did. I emailed the processors over and over at least 25 times over the course of 3 months and got reply a week later each time that was just asking for thee same nonsense. It was a constant barrage of them asking for more paperwork that was so many years ago years that was paid off and I did not have proof of. The harassed my wife for paperwork IRS transcript when she gave them proof she filed and copies of cancelled checks. They kept yo-yoing us asking for paperwork that we did not even have to provide when we bought our home. The whole process made no sense and they made it so difficult that finally I could not take it anymore. A friend told me to try quicken VA refinance and it was so different of an experience. 
They gave me a rate that is a full 1 % less that PennyMac and in one afternoon I had satisfied all the paperwork requirements. They said they did not need to see paperwork from 13 years ago and my wife did not have to provide anything to them for the loan. I just want to warn prospective Veterans that Penny Mac is an awful experience and ultimately will rip off Veterans. 
Thank you and XXXX Bless America, A Fellow XXXX  Vet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
on XX/XX/21 sent investigation request and didn't receive any results.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc.
State: NV

Complaint narrative:
A banking company N26 Close my account after calling customer support to get the statements I need sent to me I was told Im not able to get them because I dont know the creation date of the account Verified all other information and asked to speak with somebody higher than them a lady name XXXX or XXXX who answered the phone. She denied me speaking to somebody higher regarding the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: DE

Complaint narrative:
sent investigation request on XX/XX/21 was not notified of investigation results. Account are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NJ

Complaint narrative:
My name is XXXX XXXX and in XXXX I had to file Chapter XXXX. It was the only way to save my home, I am the only person working in my house. I have children and my wife to provide for. I do understand that my credit has to undergo the worse scenario, but I know time heals. My insurance went up like crazy due to a report received by LexisNexis Consumer Center in XXXX. I understand that, but around XXXX my credit started to get better and better. I opened new credit cards, my mortgage payments were on time, I had a stable job, etc. I noticed that my car and house policies increased in price. Then, at the end of my policy renovation, I saw an explanation from my insurance company with the reason why my policy was going up in the first place ( due to the report from LexisNexis ). My agent told me to contact them and see if they can fix the problem. I contacted them and they sent me a huge report with my credit history, saying that there is nothing they can do because my record was updated at that time. I was saddened and upset by the situation. All I thought about was if it even was possible to fix this situation, eventually, I let it pass. 

Today, I rechecked my policy renovation and again I noticed the same negative report of my credit history. It demonstrated the same misleading information that was supposed to be fixed. I say that because I have an account with XX/XX/XXXX the credit bureau, which monitors my credit. I also protect my social security and as well as my family 's. My credit now is very different from what it was in XXXX and even in XXXX. I realized that I had to converse with the customer representative from my insurance company. I spoke to the underwriter and she told me that the employees from Lexis Nexis never updated my reports, even when I asked them in XXXX to do so. When I explained my situation to her, she decided to remove LexisNexis from my insurance policies, and right away my premium went down almost {$1600.00} per year. Again, she stated that this report never got updated since XXXX, but when I submitted a request to update my records, LexisNexis told me that it was updated, which was completely untrue. The damage done to my familial economy by this situation is inexcusable, simply because of the incompetence of this company. The company lied and never made my results up to date, which caused havoc and extreme difficulty to reestablish my family and I 's life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads discharged ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XX/XX/XXXX followed instructions and removed all information, see attachments

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 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX has reported the wrong payment time and amount of my credit report I called about getting a late payment removed due to cov for the month of XXXX and XX/XX/XXXX And they added 17 late payments to my account wow I have uploaded and copy of my bank statement and a copy of my credit bureau report from transuion and XX/XX/XXXXshowing the incomplete and inaccurate late payments days and amount from XX/XX/XXXX to XX/XX/XXXX please remove all these late payment from these years

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 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX has reported the wrong payment time and amount of my credit report I called about getting a late payment removed due to cov for the month of XXXX and XX/XX/XXXX And they added 17 late payments to my account wow I have uploaded and copy of my bank statement and a copy of my credit bureau report from transuion andXX/XX/XXXX showing the incomplete and inaccurate late payments days and amount from XX/XX/XXXX to XX/XX/XXXX please remove all these late payment from these years

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 2021-04-27 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: DE

Complaint narrative:
on XX/XX/21 submitted investigation on accounts that are not mines. Didn't receive any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: HI

Complaint narrative:
On XX/XX/2020 criminals XXXX and XXXX XXXXXX/XX/XXXXme andXX/XX/XXXX me and stole my car, computer, phone, wallet and etc. etc. The following day the two criminals went to a XXXX store with my wallet and used my us direct express card and withdrew the last {$240.00} out of my account. Police don't care to go arrest the criminals. I wrote a dispute to us direct express card services and they refuse to give me back my money. I want my {$240.00} plus {$.00} atm fees credit back to my account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
In XXXX, I obtained equity line of credit from XXXX  XXXX XXXX. I was making payments until XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a different property the XXXX XXXX XXXX staffs fraudulently sold. In XXXX, XXXX  XXXX XXXX without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and investor simultaneously obtained the mortgage. Still on bankruptcy, there was no monthly statement received to request for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the XXXX XXXX XXXX staff sold. I requested for voluntary dismissal of the application. Shortly the investor/XXXX XXXX, XXXX, not in its individual capacity but solely as trustee for the XXXX Trust, Series 2016-CCT filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from Rushmore Loan Management Service threateningly to foreclose. I offered {$3000.00} and {$40000.00} as full settlement but each offer was rejected. I applied to be considered for modification but the manager called XXXX and XXXX considered to be my contacts persons had interest to sell the property to themselves or some investors they know. I filed a complaint with the company and contacted housing counselor to help resolve the problem. The housing counselor XXXX XXXX XXXX contacted Rushmore LMS and forwarded offer for {$28000.00} because about {$12000.00} repairs has been completed in the home. I intend to take possession as soon as some other repairs are finalized. On XX/XX/XXXX, I called to request if the offer was accepted. The offer was denied and received a final postponement of sheriff sale dates to be on XX/XX/XXXX. Currently, Rushmore LMS demands for {$62000.00} as of XX/XX/XXXX. I forwarded a request for explanation of how the equity line of about {$25000.00} as at XXXX has gone that high from XXXX to 2021.No explanation was received. I want help to stop Rushmore LMS from creating accounts to increase the balances of the equity line of credit and advise the attorney representing Rushmore LMS from identifying the loan as executed mortgage dated XX/XX/XXXX. It was equity line of credit of {$25000.00} I obtained from XXXX  XXXX XXXX on XX/XX/XXXX payments was made on the equity line of credit until XXXX at the time I filed XXXX XXXX XXXX Rushmore LMS and investorXXXXXXXX XXXX XXXX, not its should please accept the {$28000.00} recently offered on my behalf by housing counselor as full settlement or counteroffer. Otherwise, I demands for detailed explanations of all the charges appearing on the payoff statements that made up {$63000.00} requested as payoff as of XX/XX/XXXX, recognizing that insurance was paid by me prior to XXXX and XXXX was paid in full by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: DE

Complaint narrative:
on XX/XX/21 submitted investigation request on accounts that are not mines. No valid status of results

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