vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: NY

Complaint narrative:
On XXXX XXXX My phone was lost and a couple of transactions that was unauthorized on my CHIME account which i disputed occurred, One transaction amounting to {$130.00} by cash app and the other amounting to {$14.00} by XXXX. After I filed the dispute on XXXX XXXX I was accredited by CHIME for both amounts back into my account while the dispute was being investigated. On XX/XX/2023 my dispute was approved by CHIME but for some reason CHIME took the {$130.00} and {$14.00} back out of my account at XXXX unexpectedly with no information following it. I immediately called CHIME as soon as I noticed and was put on hold for long periods and eventually I was hung up on by one of the CHIME customer service representatives. I then called back and was told the money was being reversed to permanent money instead of credit and Ill be receiving my money back by the end of XXXX XXXX or the next day XXXX XXXX but my money never appeared back into my account. I called CHIME on XXXX XXXX to see what was going on and they switched it to XXXX receive a email within XXXX hours. First I was waiting for my money to come with XXXX hours and now Im waiting for a email to come with XXXX hours. Still no information on when Ill receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I deposited a check from my uncle into my business account for {$40000.00} Citibank took the check and processed it. 3 days later all my accounts were frozen personal and business, I called the bank, and they claimed the check was fraudulent and a stop payment was put on the check. I went to the branch to speak with the manager, he informed me Citibank had not received any of the funds, after speaking with my uncle 's bank XXXX XXXX XXXX  ) they advised the funds were withdrawn from his account. Citibank said they were closing all of my accounts and withholding all of my funds for XXXX days. The following day I contacted the fraud department at Citibank, and they informed me they verified the account was legitimate and I can go to the branch to collect a check for my {$40000.00}. I emailed the branch manager to be prepared that I was coming to collect the check, he informed me that they would not be providing me with a check, and I need to call the fraud department again. Once again, I called the fraud department and they informed that they could not verify the issuer of the check even though I had the issuing bank and the writer of the check on the phone. They refuse to release the money or return it to the issuer. my problem is if they could not verify where the money was coming from and if it was a stop payment as they claimed, how can they withdraw {$40000.00} from my uncles account and hold it against us for XXXX days? that seems illegal unethical and deplorable. The banker laughed at me in my face and said good luck. No one will explain how they can take {$40000.00} from an account they can not verify and hold it against us or refuse to send it back to the issuer or myself. The fraud department is treating my uncle and I like criminals and I've lost out on a {$100000.00} sale for my business and all my personal bills were late I have no money or food because they closed my personal account for this.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021, We had a house fire in our primary residence. Money has been released from the Insurance company and we were forced to send the entire balance to Chase Mortgage. The money is not actually their money as the insurance company provided it to us to re build the house. We are are in process but Chase keeps withholding funds. We have provided bills for completed projects, contractors have called for payment of completed projects but Chase continues to hold and not release money. The insurance company is still holding {$80000.00} in reserve. Chase has {$100000.00} Held but will only release when they say we have completed the project of rebuilding. I can not rebuild the house if I do not have money to pay for the reconstruction so when they give us some planned inspection which they send some kid out to take photos and estimate completion percentage and then deny us money so I can not pay contractors I can not get any work done. So we end up in a never ending cycle of a hold pattern. I have not missed a single payment on the house, Construction is in process and Chase continues to withhold money. I need the money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I have been receiving calls since XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and today at XXXX. When I called back at XXXX to ask for more information, the woman responded seemed to get upset when I mentioned " Fair Debt Collection Act violation '' and " I intend on filing a complaint against your company ''. She dragged her feet and didn't provide anything. After she hung up I called back at XXXX to talk to somebody else and found out it was " Credit Management L.P '' doing all the phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX I opened accounts and transferred {$100.00} into Navy Federal Credit Union. 

I discovered today ( XX/XX/XXXX ) Navy Federal Credit Union froze my accounts and claimed my membership was fraudulent. I cant see any of my accounts or get my money back. Navy Federal at no point even informed me they were freezing my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
THANK YOU FOR ALL THE HELP PROVIDE I made a despute with my XXXX XXXX and Chase Bank denied refund. 

XXXX  and I are on good grounds in as much as I had the XXXX  during that period. THANK YOU FOR ALL THE HELP YOU PROVIDE. 


XXXX XXXX XXXX XXXX phone XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXXXXXX -- Agent XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WWW.CHASEBANK.COM BANK SAID Your XXXX  order would be cancelled. 
DATE XXXX XX/XX/2023 I ASKED CHASE BANk HOW MUCh WAS NEEDED TO PREVENT THE CANCELLATION. 

THEIR STATMENT WAS XXXX XXXXXXXX HAD MONEY IN THE BANK FOR {$330.00}. This amount was enough to cover the items due to be cancelled. {$330.00} was enough to pay all items. I PUT THE MONEY IN THE CHASE BANK IT ARRIVED XX/XX/XXXX AT XXXX XXXX  AND THIS WAS MADE 4 DAYS PRIOR To XX/XX/XXXX. 

This gave them- 4 banking days- to use the money and close the account. the CHASE BANK required 3 to 2 days to complete this action. 
CHASE BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account ending in : XXXX THIS IS THESE STATEMENT FROM CHASE BANK FOR THE Payment amount : {$330.00} MONEY THAT I PUT TO THE ACCOUNT. THE ITEM THAT Effective date : XX/XX/2023 THAT XXXX IS THE XX/XX/XXXX AT XXXXXXXX XXXX Payment authorized on : XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THERE IS -- 4 -- FULL DAYS BEFORE THE DATE OF CANCELLATION. 
THEY DID NOT PAY ANY OF THE CANCELLED ITEMS PRIOR TO XXXX XXXX and THE CANCELLATION WENT AHEAD. 
CHASE TOOK THE MONEY. THEIR STATMENT ON XXXX XX/XX/XXXX of {$330.00} CHASE GOT THE MONEY, AND SENT ME AN EMAIL DATED XX/XX/XXXX, SHOWING THE MONEY IN THEIR ACCT. AND REFUND RETURNS, AND I GET NOTHING AND XXXX  KEEPS THE produts THAT WERE ON SALE. I got nothing. 

-- -- -- -- -- -- -- -- XX/XX/XXXX Order : # XXXX # XXXX NOTE THE SAME ITEM ONLY ONE ORDERED XX/XX/XXXX ORDER # XXXX THIS OCCURED ON XXXX XXXX XXXX and were marked # XXXX with the same number and is very wrong. 
-- -- -- -- -- -- -- -- - XX/XX/XXXX SEE ABOVE THE CANCELLATION WAS XXXX XXXX marked the same. 

I cancelled the Chase Bank card and directly located my Acount with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to XXXX times while in XXXX I feel as a result I am requesting the XXXX removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the XXXX removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MI

Complaint narrative:
On XX/XX/2023, I had online fraud on my debit card for {$290.00}. The bank denied my fraud claim despite the fact I filed a police report because I found the person ( a total stranger ) responsible via XXXX. I would like my money back.

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 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC
State: TX

Complaint narrative:
I personally sent a Debt Verification Letter via Certified Mail and First Class to CREDIT CENTER LLC on XX/XX/XXXX. This letter was delivered on XX/XX/XXXXXXXX XXXX XXXXXXXX pm as reported by USPS. In addition, I have emailed CREDIT CENTER LLC requesting verification on XX/XX/XXXX. I received an email back stating " Your message has been received, is in the process of being reviewed, and will be responded to within 24 hours. '' However, I was never responded to via email, mail, or phone. I also followed up on this with the same response but was once again never contacted.

Prior to sending any Debt Verification Requests to CREDIT CENTER LLC, I had not ever heard of this debt. I never received a letter via USPS or otherwise. I also did not receive any phone calls. I contacted the original creditor and was told that there was no information on my file regarding collections or CREDIT CENTER LLC.

CREDIT CENTER LLC reported collections in my name to all three credit bureaus. I do not recognize this debt in any capacity, but I also noticed that Credit Center LLC reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall granting XXXX XXXX XXXX XXXX permission to release my medical information to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a credit reporting service from XXXX for XXXX months. I cancelled it in XX/XX/2023. They cancelled it but they have my CC # listed in full on my account. I want this information taken off my account. They do not need this information since the service was cancelled. They say they can't do this because it is hard to do. I want it off my account since I no longer have the service and anyone can get this information and hackers can get my CC information. Please instruct them to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XXXX, the XXXX XXXX XXXXXXXX made an error with the property taxes and caused our mortgage to increase. The XXXXXXXX XXXX XXXXXXXX reimbursed XXXX XXXX XXXX ( the mortgage company ) however, the account was not credited correctly. We continued to make monthly payments to XXXX XXXX XXXX until the end of XXXX, when our mortgage was sold to Shellpoint. From XX/XX/XXXX to XX/XX/XXXX, we made payments to Shellpoint, but they stopped accepting payment from XXXX and they are currently disputing that they received XXXX payment, although the funds were withdrawn from my account. The checks for XX/XX/XXXX through XX/XX/XXXX were uncashed and remains in my account. 
We retained the services of an attorney who was working with XXXX XXXX XXXX to address the issue and a few months later, the loan was sold to Shellpoint and an additional attorney fee was incurred. The attorney failed address the issue with Shellpoint. Instead, the attorney brought back an offer of a second mortgage from Shellpoint for approximately, {$30000.00}, that would close the issue without addressing the concerns of the error related to the payments that were made. The second mortgage would remain on the current loan and would be owed to Shellpoint should we decide to sell the property. This offer was refused. The homeowners contacted Shellpoint and they proposed a payment of {$25000.00} to address the outstanding balance and bring the account current or the property will go into foreclosure. They acknowledged that there is an error on the account that was not caused by the homeowners, however, they have not attempted to address the issue to show where the error occurred and make corrections. Instead, they placed the homeowners in financial and emotional hardship, discard the request to show where the error occurred and what took they steps to make the necessary corrections. There are late payment and bankruptcy charges the homeowners are being held responsible for, as well as negative credit reporting that has affective the homeowner credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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