vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MS

Complaint narrative:
My debit card was stolen on XX/XX/XXXX at my local XXXX  On XX/XX/XXXX at XXXX my checking account was charged {$520.00} from XXXX. I was also charged 2 other transactions but they both were declined. I called my bank at XXXX on XX/XX/XXXX and let them know about these transactions and about my card being stolen. They would not let me dispute the charge until it had cleared my account. 4 days later, the charge cleared and i was able to dispute. I was denied. I have done XXXX rebuttals, and all have been denied. I filed a police report, contacted the merchant and got proof the shipping address is in XXXX and i am still denied. The XXXXXXXX XXXX, which is the bank who FDIC Chime, has denied every dispute i have done. I am still out almost {$600.00} almost 2 months later. I am out of options at this point and need help proving this was not me. My complaint is against Chime which is FDIC through the XXXX XXXX  I filed multiple disputes through Chime and through The XXXXXXXX XXXX and all have been denied. I need help getting approved. I have plenty of evidence. Most of it i have attached, as the rest is on my phone. Please let me know if i need to email the rest to an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This company pretended to be my EMPLOYER and constantly has been calling my childs phone. This company is not releasing any information and has not sent the original agreement to my house if there is one, by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Rounpoint Mortgage offered me a modified mortgage because of COVD. Almost 9 months ago they sent me paperwork to be notarized, my lawyer was my notary. I mailed this second batch of papers to Roundpoint. 
They lowered my interest to approx. 3 % and told me to pay {$1600.00}. They explained I had a lower interest rate and a 45 years mortgage after a 3 month trial. I completed the trial, as said I notarized the document requested. 
Every month since XX/XX/XXXX I have paid XXXX the {$1600.00}. They called every month up to XXXX XXXX when I made the XX/XX/XXXX payment. 
I am XXXX and am XXXX XXXX XXXX, I drove to our mailbox yesterday and received a letter from Rounpoint with a much higher monthly payment than promised. I called and a female transferred me over to XXXX who started yelling you dont answer your phone, we have been calling you. He was very mean repeating the above quote until I burst into tears. I do in fact keep contact with Roundpointnand made the XXXX Payment on the phone with a person who confirmed all is well, I am approved, all is finalized. 
During this conversation, I find in this giant escrow statement that the loan was no longer in Roundpoint hands. 
I called the new bank and they told me Roundpoint never finished all of this work. Rounpoint told me too bad, XXXX said the FHA did it, do you just want to keep venting? He then accused me of yelling I was just trying to convey to him that the new bank XXXX XXXX said Roundpoint did not do their job, we see paperwork but Roundpoint didnt file it I was lied to for over a year by Roundpoint XXXX they did not do their job as promised and have a fiduciary responsibility to complete what was promised and asked for a 2 documents, 1 was notarized and sent complete to them months ago. 
The new bank has the papers from Rounpoint and said they did not do the job, now I must start all over again. I am a very sick woman and cried all day, it is devastating me.Roundpoint did not finish and shocked me in fine print, within a giant escrow statement they sneak in a higher payment and a new bank, no name of bank provided. So, I have a new bank with a high payment and a boatload of lies and admonishments from Roundpoint that I dont answer my phone. Please help me, Roundpoint blamed me? Even though I speak with them monthly and was promised modification 7 months ago. The letter from them is attached, I just opened it today and was attacked by this bank.

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 2022-07-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I disputed a charge-off/collections account on my credit report on XX/XX/2022 via certified mail. The amount was {$91.00}. This information was sent to all 3 Credit Bureaus, XXXX XXXX, and XXXX deleted the account. Equifax has not placed the account in dispute, or acknowledged my request. They have yet to respond to my inquiry and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: NV

Complaint narrative:
I had been making payments that were requested from XXXX with no prior knowledge of their COVID relief to state payments as deferred and not show up late. Though I was making payments to the monthly payment plan they still incorrectly reported the monthly payment 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 non-monetary relief
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had been making payments that were requested from XXXX with no prior knowledge of their COVID relief to state payments as deferred and not show up late. Though I was making payments to the monthly payment plan they still incorrectly reported the monthly payment 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 non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was supposed to receive a call back last week about deferment or repayment options after the rep received clarity. Never received a call back call on XX/XX/2022 the line for the forbearance team did not ring just silent I called back twice..

The third time I called back I held for 58 min and got customer service and was advised someone would call me back in XXXX hours I do not receive a call today. I called back today in XX/XX/2022 phone for forbearance department still has not rang. I would like to resolve this as soon as possible.

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
Llyod & McDaniel purchased a debt from XXXX Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: IN

Complaint narrative:
On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how your company violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022. Now I am requesting my entire consumer credit file and report, as well as exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? 
Which associate did you speak with? 
Which friends did you speak with? 
Which acquaintances of mine did you speak with? 
Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Today, XX/XX/2022 at approximately XXXXXXXX XXXX. XXXX, I called the company to make a payment of {$110.00}. ( Their website for processing payments is repeatedly not working, and when it does, it defaults to posting the payment no sooner than two days from today. That is how they incur additional interests on the loan ). 

Today the agent took my debit card info and then provided me with a confirmation number for a payment of {$290.00}. Again, it was supposed to be a payment of {$110.00}. She apologized for her mistake, put me on hold for approximately 12 minutes, then came back on the line and said " hello, hello, hello '' then disconnected the call. I called back and spoke with a supervisor by the name of XXXX, who informed me he was made aware of the situation and the agent will be held accountable for making the mistake. However all he could do is " apologize ''. I told him the call with the agent is recorded and he could listen to what happened. He/they refused to cancel the transaction or refund the money, until it posts as final to my bank statement 4 to 5 days later. In the meantime I am going to incur overdraft fees and NSF fees from the bank and other merchants. 

This is theft. And I am incurring substantial fees because of their theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act account XXXX  # XXXX, has violated my rights. 

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

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit has been frozen at the 3 Cr Bureaus for 5+ yrs. Scammer unfroze my XXXX acc and applied ( XXXX ) & obtained a Capital One/Walmart XXXX ( XXXX ). I got the card in mail at my home address ( XXXX ). So did he/she. I called and reported the Fraud to Cap One and stopped any use of said cards. 
He/she also tried to open a XXXX XXXX c/c, which was denied for lack of supporting docs ( XXXX ). I've spoken to XXXX as well. 
He/she also got onto XXXX and used my acc there to order ~ {$1000.00} worth of restaurant gift cards & merch to his/her address ( XXXX ). I've reported that as fraud also. I've returned the one item that was fradulently ordered & sent to my home to get refund. I've gotten new cards and mbr # from XXXX ( XXXX ). 
He/she also hacked into my XXXX XXXX XXXX XXXX ) and tried to access a XXXX service XXXX XXXX to XXXX money to others. XXXX was advised of fraud ( XXXX ). I have since shut down those acc. too ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc.
State: NY

Complaint narrative:
TradeStation approved my account and I qualify for a cash bonus in the amount of {$500.00} for making a {$10000.00} to that approved account. Now, TradeStation refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating TradeStation is using this promotion to lure investors to their platform - and then refuse to honor the terms outlined. This evidence suggest that TradeStation is aiming to expand their client base under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 C
OMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-06 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: NC

Complaint narrative:
I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  FI XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX/XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX CA ( Auto ) XX/XX/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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
The bank is not disputing my charge and this has been happenning for over 2 months now where we are getting different answers every time we contact the bank. 

This charge is from XX/XX/2021 where this company where we bought the product estimated a delivery of 7 months. Time has passed and we still dont have the delivery, they took our money and now they are not refunding us once we decided to cancel the order. The company must know the bank rules on disputes and they are scamming several customers with that. They wait until the time frame for disputes is reached and then they never refund our money. They keep stating on emails that the billing team is processing the refund but this has been happenning for almost 2 months now. Citi has been taking my dispite over the phone and ibe filed at least 10 tomes already. The last time they told me to mail everything in on the dispute since it was over a year old. I have never received the item and this company is about to go out of business and they are trying not to keep their word of allowing cancelation for ANY REASON until the item has shipped. The item has not shipped and it was originally due around XX/XX/2021. Then they delayed it a few months to keep us on the hook. Citibank is not protecting me as their customer and I used a credit card for this reason so i dont end up loosing my money. Citibank also had me on hold for XXXX minutes and then the lady came back claiming she couldnt hear me. Very convenient for her. I just asked to speak with a supervisor The Citi Bank has given us different answrs on the phone and now they are stating that they can not dispute a charge that is over 6 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 monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
When I called my servicer and advised that my income was suffering due to covid 19. I was not offered a forbearance. All of the representatives I speak with are condescending and did not offer other options. I was told I received a one-month deferment ; I dont understand why I was not offered that when I was many months behind. The only option was a repayment plan which doubled my payments. 
Also, in XX/XX/2022 when she called in to make her repayment plan payment, her representative advised her she inadvertently removed the repayment plan and she had to start over with an initial payment of {$4500.00} vs the repayment amount of {$2300.00}. 
Why was I not offered a loan modification? They just tell me that its not an option but dont indicate a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation