vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I tried to use my debit card it was declined and Chime told me they suspected fraud and my account was suspended or locked. I cant access my funds on line and every time that they are looking into my issue and tho call back in XXXX days that was on XX/XX/22. I keep calling every day but they keep telling me its in the fraud department and they can only be reached through email. I have emailed them but with no respond except its being reviewed. I have bills to pay, I have children to take care of. I cant do anything without my money. At this point I would like to withdraw all {$11000.00} of my money and put it in a real bank because this is stressing me out that Ive been in the hospital for 2 weeks. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2022-11-07 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I went to a branch of Chase in XXXX to seek application for the Chase Freedom Unlimited Credit Card, with their Cash Back Rewards & Benefits shown on https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. In addition to the normal cashback, they should offer " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back '' detailed on their website. I got approved and I waited for the physical card to arrive. 

Since I had XXXX XXXX, I could immediately use my approved credit card. However, I did purchases at groceries stores like XXXX XXXX and XXXX XXXX 's, but the cashback did not reflect with the 5 % they promised, but only the regular 1.5 % rate. I went to the branch asking for information about this problem, and they said they would be looking on that. 

Next week, I went back to the branch with the received physical card, and they answered that they could not honor the 5 % cashback, because they had system issues and asked me to call customer service line. I went back home and called the customer service, and they said that they could actually see the benefit on my card, but I had to wait for the monthly statement to actually see and receive the 5 % cashback on groceries. 

On XX/XX/XXXX, I received my statement and report on the points I earned, and there was no 5 % cashback on groceries at all. I reached out to customer service again, and they said I didn't have the offer at all, and there was nothing they could do, even though I applied for the credit card during the offer period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: TN

Complaint narrative:
Regarding ( XXXX XXXX account : On XX/XX/2022 I disputed this information that appeared on my TransUnion report from XX/XX/2022 : Stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account ''. 

TransUnion did not send proof, nor did they change the negative payment status on the account. 

Then again on XX/XX/2022 I disputed the information again that appeared on my TransUnion report from XX/XX/2022 : Stating " I previously disputed this account stating : ( This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ) I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account ''. 

As of today XX/XX/2022, TransUnion still hasn't sent me any proof, changed the negative payment status on the account, nor deleted the negative information in the account.

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 2022-11-07 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: MS

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MS

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez/Shellpoint was the mortgage provider for my mother and fathers family home. Both my mother and father died in XXXX and XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  wrote a check on XX/XX/XXXX to the estates of my parents for {$560000.00}. Shellpoint mortgage months later ( XX/XX/XXXX ) wrote a check for {$470000.00} to " EST OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to deposit this check in both of the estate accounts that I opened to settle out my deceased parents affairs and was told that the check can NOT be made out to both estates. XXXX XXXX XXXX XXXX XXXX XXXX both told me that the check can not be made out to both estates and that a combined estate account was not a thing. 

I have called Newrez XXXX times in recent months trying to get this issue resolved and have been told time after time that there is nothing they can do, and that it is their policy to write checks to all parties on the account in this case. 

This company currently owes my family {$470000.00} plus interest and is making no effort to get us paid. Their customer support has been awful and the people making the decisions, who could help do not take phone calls or apparently respond to emails. 

Please help us. I am simply trying to access these funds to settle out my family 's affairs and Shellpoint mortgage has ignored us and has essentially stolen this money from my family at an acute time of need. They have caused severe emotional and financial stress to our family and they should be held fully accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello. My name is XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX informing me that my Citi Accelerate Online Savings account had been closed. I was not provided a reason for closure. I immediately called the phone number provided with the email : XXXX. A customer service representative was not able to give me a reason for closure, but reassured me that my remaining balance would be mailed out in the form of a check within 30-60 days. 

I have periodically called this number, along with the other customer service phone numbers provided by Citibank during the 30-60 day time frame : XXXX and XXXX. Each time I call, I am notified that I have an active and remaining balance of {$56000.00} and that it is still accumulating interest, but that the account is closed and that I am still unable to receive the funds. Each representative ensures an expedited process to mail my check, all to no avail. 

My most recent phone call with Citibank occurred on XX/XX/XXXX, 60 days officially from the date my account was closed, and it is the reason I am now filing this complaint. A customer service representative told me that my funds would never be transferrable and disconnected our phone call. I am highly concerned, as my remaining balance is a large portion of my livelihood. 

I have not been notified of any suspected fraudulent activity from my other financial institutions and have verified my identity in every possible way to confirm that these funds are rightfully mine. 

Since the opening of my account in XX/XX/XXXX, I have made several deposits : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$20.00} XXXX : {$10000.00} XX/XX/XXXX : {$41.00} XX/XX/XXXX : {$49.00} XXXX : {$5000.00} XX/XX/XXXX : {$71.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$100.00} I had also made deposits prior to XX/XX/XXXX, but because I am locked out of my account, I am not able to see the exact deposits made during that time period. 

I do not live in a state where there are physical Citibank branch locations, so I am unable to visit a branch and get more information in-person. Every customer service outlet has provided conflicting information about my account. I am filing this complaint to receive an answer for the reason my account was closed as well as expedite the process to receive the remaining balance of funds that I have worked hard to earn. Thank you in advance for your time.

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 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Best Capital Funding
State: FL

Complaint narrative:
I have been a customer of Best Capital Funding since the purchase of my condo in XXXX of XXXX. My monthly payment that I agreed to at closing was to be {$760.00} per month. Shortly after, in my XX/XX/XXXX statement, Best Capital hit me with Hazard insurance and the amount due went from {$760.00} to {$2.00}, XXXX. Despite my 3 attempts to send them my hazard insurance policy via their email they claimed not to have it until the 4th attempt. Once confirmed by Best Capital that they received my copy of my policy, they agreed to refund me their hazard insurance charge back to my escrow. It took them months to do this and in the meantime, they still wanted me to cover the cost of their hazard insurance charge. I refused and continued to pay my regular amount due of {$760.00}. Since then my account has only gotten worse. They have hit me several times with more insurance charges and I sent them documentation to show I was already paying out of pocket for my own. They hit me with property taxes even though I was paying out of pocket for those. We had dozens of emails and phone calls back and forth ( see attached copies ) but the entire time they have ignored my request to bring my account back to original status, instead trying to confuse me with a bunch of escrow errors on their part. 
Recently, I applied for another mortgage with a different company for a 2nd home and was denied a loan due to a low credit score. I requested copies of my XXXX credit reports and to my surprise, Best Capital Funding has been reporting me delinquent every single month despite that I am making all of my payments on time. 
I have reach my limit ( its been over a year of them not correcting my account ) with trying to explain what they have done wrong with my escrow account. I need help and hope that you can have someone look into this with me. Im not sure if there are more resource out there for me to use to try to get my account audited so that they are forced to make the adjustments and stop trying to collect monies for insurance and taxes that I do not owe them. My account needs to be resolved, they have destroyed my credit. Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: CO

Complaint narrative:
I received a letter from Lexis Nexis about a drop in my credit. I gave them my Drivers License Number and my Social to give me information on my account. Now I'm worried I've given my personal information out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from XXXX and XXXX and Experian have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CUSTOMERS BANCORP, INC
State: TX

Complaint narrative:
On XX/XX/2022, I opened a money market account ( ending in XXXX ) with Customers Bank. On XX/XX/2022, Customers Bank made an ACH transfer from another financial institution in the amount of {$1000.00} to fund my account. 

On XX/XX/2022, I attempted to access my account via Customers Bank 's online portal. I was informed that my username had been disabled. See the attached photo. I immediately called their customer service line. A Customers Bank representative verified my identity. The representative confirmed that my username had been disabled and that she could do nothing more other than transfer me to the account fraud desk. The " account fraud desk '' is a recorded message that promised to return calls within XXXX hours. 

XXXX hours later, I called Customers Bank 's customer service line again. I was verified again. I was transferred to the account fraud desk again and left a message. I called again on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Each time I was verified by the Customers Bank representative. Each time I was transferred to the account fraud desk. Each time I left a message with all necessary information. Each time I was promised a return call within XXXX hours. 

I have yet to hear from them. They have my money and they seem inclined to keep it.

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 2022-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Since before XX/XX/2022 I have been requesting from Cardinal Financial to begin the process for a family memeber to Assume my mortgage loan. The process starts with a required written letter requesting a packet. It is now XXXX and in XXXX the packet still had not been sent. After calling an email was sent with one question " will the person assuming the loan be residing at the address as a primary residence? '' I again was required to fax or mail the response which is timely. XXXX weeks later and still no response with a packet or a clear timeline of how long this process should take. It shouldn't take 8 months to receive a packet. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
noticed on Credit report I have been sent to collection for dept I do not own. Company : Credence Resource Manage. Noticed debt XXXX Amount of Debt {$300.00} from XXXX XXXX Account opened in XXXX, Ohio. Noticed another listing but don't have any other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I am having an ongoing issue with my payment submission to MoneyLion for my XXXX XXXX XXXX loan. On XX/XX/2022, I updated my payment method to a different bank account. Unfortunately, the automatic payments following the update to my payment method have all failed. On XX/XX/XXXX, after updating my payment method, I even attempted to manually make a payment with my debit card via the alternate bank account, and MoneyLion never processed the payment. 

After the many failed payments, I contacted MoneyLion customer service on Saturday, XX/XX/2022, to inform MoneyLion that I wanted to suspend automatic payments and send checks via my banking institution 's bill pay option. On XX/XX/2022, I received confirmation that MoneyLion would cease the automatic payments. I requested to know when MoneyLion will apply the checks sent via bill pay to my XXXX XXXX XXXX loan. I am still waiting for an update regarding the payment sent via my bank and am still receiving automatic payment failure emails from MoneyLion. This ordeal is angering and frustrating because I have been trying to make payments on the loan unsuccessfully. 

On top of receiving several failed payment emails from MoneyLion, I most recently received an email threatening to sell off my loan account, which will place me in collections and ruin my credit. My credit is already suffering because MoneyLon reported my account as delinquent when they had a malfunctioning payment system. Errors of this nature are completely unacceptable from a financial organization of this stature that can grievously negatively impact their customer 's credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation