vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: Synovus Bank
State: GA

Complaint narrative:
1STPROGRESS/XXXX XXXX XXXX XXXX XXXX XXXX Accounts : {$200.00} each I have called First Progress three times requesting this information be removed as it is fraud and not something I applied for on their platform. The first call I had with them, they confirmed the credit cards that were applied for were returned to them, further confirming this was something not fulfilled by me. The confirmed they would investigate and let me know what they came up with. 

After a few weeks, I heard back from them via mail and they confirm these accounts were fraud through their investigation- this was early XXXX when i heard back from them with their confirmation. Both of these account should have been removed but they're still on my credit across all three of the major credit bureaus which is hindering me from getting a home and apply for credit needed to keep my business open. 

The third piece of communication i got from them stated the investigation finding were in my favor and they would send communication to the creditors removing them late payments and accounts from my credit. I have a letter confirming the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
My Chime account was involuntarily closed by Chime and I have not received the remaining balance of funds in my account, which is approximately {$50000.00}. 

I have repeatedly contacted and spoken with Chime phone support for assistance in resolving this issue, to no avail. Therefore, I am reaching out to CFPB for assistance in regaining access to my funds. 

Below are the details of the issue and sequence of events : On XX/XX/2023 Chime sent me an email stating " We are reaching out because routine monitoring identified activity on your Chime Checking Account that requires verification. '' They further asked that I please provide the following, which I sent to them the same day : 1 ) Copies of your current Govt. ID or Drivers License 2 ) A bill or notification dated within the last 60 days to verify your current address 3 ) Proof of income ( W-2, paystub, etc. ) or source of deposits for the XXXX Money Transfers totaling {$46000.00} and the XXXX XXXX deposits totaling {$1800.00}. 

4 ) Please provide an explanation for rapidly removing of funds via $ XXXX in billpay, XXXX, and other means. 

Regarding proof of the $ XXXX requested above, $ XXXX of that deposit was from a check that I received from my auto insurance company ( XXXX ) for a wreck of my truck, which was totaled in a car accident. The remaining deposits were from income from my self-employed businesses. Without having access to these funds I have not been able to replace my truck with another one. 

On XX/XX/2023, Chime sent another email stating the following : " Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2023. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. '' In late XXXX I received a check from Chime in the amount of {$1.00}. I have no idea where they came up with that amount, since my account balance was around {$50000.00}. And I no longer have access to my bank account to see the remaining balance. I've continued to reach out to Chime about the issue, again to no avail. I would like to receive all of my funds back from Chime, but as of today, XX/XX/2023, I have still not gained access to funds. 

Can you please help? 

Very frustrated Chime Account Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
I mailed letter telling them that debt was paid years ago. But I'm still receiving letters. This debt was paid in 2017 It was paid 6 yrs. ago and is still reporting incorrectly for 6 yrs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Called family members or associates of family members who dont have close relationships with me to talk about debt and threaten litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete It has been over 40 days since they received my dispute letter and have not heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XXXX of 2022 Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$800.00} on XXXX XXXX and purchasing the XXXX XXXX on XXXX XXXX. To date I have only received one of the promised awards, the {$200.00} for charging {$500.00}. it has been nearly five months and I have not received the {$85.00} for the TSA PreCheck. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebate to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. Before I was disconnected the representative told me I did not spent the required {$100.00}. It only cost {$85.00} to acquire the TSA PreCheck and further it states on the enclosed flyer that you get " up to {$100.00} '' it says nothing about haveing to charge at least {$100.00}. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX XXXX i contacted wellsfargo to advise them i was unable to make payment and request a defferment based on lossing my job due to the natural disaster in florida that bankrupt and closed mywork place. i was told i was granted the deferment and would need to make payment on XX/XX/2023. however they still went and filed a 30 day late on my credit siting that i was denied the defferement on XX/XX/2023 in which i only learn of this on XX/XX/2023. I am not working and wellsfargo now states i owe XXXX and I am not working and they refused to remove the late when i was never told i was denied the defferement and recieved no indication I was late. the reporting has cost me my credit to drop XXXX points now causing me more financial damage.

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 2023-03-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
Mortgage was sold by XXXXRushmore to XXXX prior to first payment being due. Received welcome letter and first invoice from XXXX for first mortgage payment due XX/XX/XXXX. First payment made on time to XXXX. Meanwhile, XXXXRushmore Loan Servicing Collections Department began calling. Total of 4 calls received with 3 messages left on XX/XX/XXXX, XXXX and XX/XX/XXXX. Return calls to Rushmore were made each time, however unable to reach anyone due to office being closed, or transferred multiple times without speaking with anyone and eventually gave up and hung up each time. The last call on XX/XX/XXXX from Rushmore, asked the rep to speak with my daughter, I am elderly and she was difficult to understand. The rep kept asking to verify my phone number, which we both know she did not have because my daughter has been handling things. I had my daughter on speakerphone, and admittedly we were both annoyed and upset with this reo. When she finally discussed this mortgage that is no longer with them, she insisted they still had the mortgage until XX/XX/XXXX and said Rushmore needed to be paid. When it was explained to her that the transfer paperwork had already been received by XXXX and that the payment had already been made to them, she said the loan would be transferred on XX/XX/XXXX indicating that the first payment had not been paid!!! This of course infuriated me and my daughter. It was obvious the rep kept putting us on mute, but never put us on hold to check with a manager about the validity of what she was saying. Besides, the payment, if it had still been with Rushmore, it would not have even been past due. The next day on XX/XX/XXXX, Rushmore 's notice to transfer was received. It stated payment was still to be paid to them since they had the loan until XX/XX/XXXX ... .so, why did it take until XX/XX/XXXX to get Rushmore 's notice of transfer, and why was XXXX XXXX notice and 1st billing received in XXXX stating to pay them? Please note that after the 3rd call, an email was sent to XXXX loan department copying the loan officer and loan processor, explaining the apparent issue, however there was no response from them. I believe Rushmore is in the wrong here, and I do not want them reporting my payment late. I did what I was supposed to by acknowledging XXXX notice and paid them on time. Rushmore, late to the party, trying to collect additional funds on a loan they have already sold to XXXX is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
THEY ARE KEEPING XXXX OF MY MONEY AND NOT APPLYING IT TO MY ESCROW ACCOUNT. THEY SENT A CHECK THAT I WAS TOLD NOT TO CASH AND THAT IT WOULD BE APPLIED TO ESCROW. HOWEVER, THE MANAGER IS KEEPING THE MONEY AND HAS ALSO DECIDED TO RAISE MY MORTGAGE TO ACCOUNT FOR THE FUNDS STOLEN. 

This is my 4th time submitting a complaint about this fraudulent company. They did not review my closing documents when becoming my new servicer and was collecting money in escrow for my homeowners insurance and taxes and not paying it which is illegal. 

Although taxes and insurance are included in my monthly mortgage I still had to come out of my own pocket to pay my homeowners insurance because it almost lapsed because they did not pay it. They later on sent my a check to reimburse me. 

In error they also sent me a second check I told them it was an error and that I will not cash it. They said okay and that it would be applied to my escrow account. They never reapplied those funds to my escrow account instead they just kept that money and raised my monthly mortgage fee. 


THEY ARE KEEPING MY HARD EARNED MONEY ANT NOT APPLYING IT TO MY ACCOUNT. Every time I call they take responsibility and say it will be fixed and its never fixed. I have called them over a dozen times. Nothing is ever fixed. This company is illegally taking money from customers and not paying taxes or insurance and even raising their monthly payment saying they don't have enough in escrow. I have had this loan for years without any issue until FAY SERVICES came into the picture. 

The new excuse is that cashed the check when I told them that I did not cash the check and I have bank records to prove it, they do not have any band records that show that check was cashed only that it was sent out. The only check that was cashed was the one to reimburse me for the insurance that I paid out of pocket for. 

Please investigate this company as they are doing this 100s of customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete

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 2023-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
This is my third time requesting your company to BLOCK the information on my credit file that I have identified as identity theft. The law requires any consumer reporting agency to block information in the file of a consumer that the consumer identifies as identity theft, no later than four days of the receipt of an identity theft report, identification of the information, a statement that the information is not related to any transaction completed by me and appropriate proof of identity. I have provided all of the above mentioned documents and your company is not complying with federal regulations. You are requested to BLOCK the information in my report within 4 days of this notice. My request to block is not being made in error, nor is my request to block made on the basis of material misrepresentation of fact by me relevant to my request to block. I have not received or obtained any services, goods, or money from the companies identified in my FTC report. I received a response from your company to my last request for you to block this information. Your company states that I previously asked you to DISPUTE this information that I have identified as identity theft. I AM NOT ASK YOU TO DISPUTE ANYTHING. I AM NOT ASKING FOR VERIFICATION, I AM REQUESTING A BLOCK OF INFORMATION THAT IS A RESULT OF IDENTITY THEFT. IF SOMEONE ASKED YOU TO DISPUTE ANYTHING IN THE PAST, IT WAS NOT ME. I AM REQUESTING A BLOCK OF THE INFORMATION PURSUANT TO 15 USC 1681c-2. I will be filing a complaint with the XXXX, Attorney General and seeking litigation if my request is not taken seriously. Please see attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A Charge Off from Barclays Bank Delaware for the amount of {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report. 

According to my records, the debt collection practices that have been conducted on my account are in violation of the FDCPA, specifically the provisions outlined in 15 U.S.C. 1692 et seq., as well as the provisions outlined in the FCRA, specifically 15 U.S.C. 1681.

I would like to bring to your attention that under the FDCPA, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Additionally, under the FCRA, credit reporting agencies are required to maintain accurate and complete records. 



Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.

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 2023-03-14 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: CURO Intermediate Holdings
State: SC

Complaint narrative:
In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation