vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 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: PA

Complaint narrative:
In my previous complaint I stated that I was a victim of identity theft. The company told me to submit my identity theft report and police report. I supplied both. Yet they are saying that XXXX is saying the inquiry was authorized. I spoke with both companies by phone who stated that since this was an inquiry that I didnt apply for, it would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have been trying to withdraw my money from my Chime account in order to complete a major financial transaction after contacting support multiple times, they have locked my account and are now refusing to even give me access to withdraw my funds. Through out this porcess I have expressed the temporal urgency to Chime and that I need access to these funds to complete a major financial transaction. 

Starting the week of XXXX XX/XX/2020, I attempted to move funds from my Chime savings account to my Chime spending account so that I could initiate an ACH to another institution. This failed multiple times with cryptic errors I contacted Chime support via chat and via email on XXXX XX/XX/2020 asking for a resolution. 

After no response to either chat or email, I called Chime support on XXXX XXXX. The person on the phone was unable to help me transfer the funds, but recommended that I close my savings account so that th efunds could automatically be moved to my spending account. I agreed, and he submitted the request to their escalation department and told me I would receive a response shortly. 

On XXXX XXXX, I received an email from XXXX on Chime 's escalations team asking me if I did, indeed want to do what the phone support representative suggested. I replied yes within five minutes. I later on XXXX XXXX received two emails from Chime telling me that my account has been placed on hold. They asked for a number of a documents ( e.g. IDs, utility bills, other bank statements, as well as explanations of vaguely described suspicious acitvities ). I wrote a long explanation and included all of the requested documents and sent that within an hour of receiving the first email. Given the timing of these emails only after I contacted support, one must wonder if this is either a dillatory tactic or retribution. 

I called support again on XXXX XXXX, and the two agents I spoke to ( one a manager ) looked at the interactions and said that while they agreed I had provided all of the details they needed, there was nothing they could do. There was no way they could contact the department responsible for this other than to write a note on my account.

I'm under a tight deadline for this financial transaction and must have access to my funds quickly, yet Chime is refusing to help me or give me access to the funds that I trusted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DEPARTMENT OF EDUCATION xxxxxx XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxx XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: AZ

Complaint narrative:
I ran my credit report threw equifax and noticed two inquiries shown on my report one from XXXX XXXX inquirie date was XX/XX/XXXX and the second inquirie was from XXXX inquirie date was XX/XX/XXXX i do not recognize or authorized either of these two inquiries so i contacted credit bureaus office equifax to dispute them and have them removed two times i disputed them with equifax, equifax stated that inquiries are a factual record of file access and would not remove them, i also reached out to XXXX  XXXX and XXXX and neither company has any pass or current account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I want to make a formal compliant again Fortiva. I made a purchase of a mattress from XXXX XXXX XXXX  store on XX/XX/XXXX and scheduled for delivery on XX/XX/XXXX. I was sold on using this finance company because they offered 6 months of no interest. From the day the bed was delivered I have had issues. XXXX  XXXX  have resolved their issue and Fortiva has not as of yet. First I received an text message saying that I qualified for their match pay program. It says fortiva would match every dollar I paid. I called to in to pay off the balance. As I spoke to the rep, he informed me that I did not qualify for the program. I advised that I was contact via text and told that I was. He apologized and reaffirmed his stance. Then I argued that they should honor it because they contact me unsolicited and offered me this program. I was then offered a discount of 40 % for my troubles. So I accepted it. While in conversation I discovered that from the time the bed had been delivered I have been charged interest. This discover was realized after they quoted me 40 % off of $ XXXX. I advised that I was not supposed to have interest per my agreement. I have reached out to them multiple times to have the interest removed. I advised them that I was interested in paying in full but they had to remove the interest. I was advised they could not do that I had to go the XXXX XXXX. I went back to the furniture store when they reopened after Covid and was informed that though they see that I am interest free for the first six months in their system, they could not assist me because they no longer dealt with the account once the sale was complete. I have been going in circles regarding this issue. I am now extremely frustrated that I am now in collections and this is affecting my score. I am still looking to honor my agreement and pay off the balance. However, I am looking to pay it off at the rate of 40 % off that was offered. But It needs to be 40 % off the original price without the interest and fees that were added. Also to have this collections account completely expunged from my credit report seeing as this was reported fraudulently because I was never billed the correct amount. Even after months of trying to get issue resolved. I am reaching out to you now for assistance seeing as I have gotten nowhere over the past few months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had my chime debit card information stolen on XX/XX/2020 at a XXXX gas station when I used the gas pump outside. Later that night Wednesday the XXXX of XXXX at XXXX XXXX. I received my direct deposit as I do every week from my employer. At XXXXXXXX XXXX. there was a series of a total of 15 transactions at a atm on the other side of town approximately one hour away from where I live. From XXXX to XXXX XXXX someone withdrew XXXX from my account 13 transactions in the amount of {$83.00}, and a transaction {$300.00}, and {$45.00} transaction. I immediately turned off my debit card. Filed a dispute with chime bank. The day I was supposed to receive provisional credit XX/XX/2020 I received a email from chime dispute department saying my claim was denied. The reason why they denied the claim was for a few reasons. The first was they stated that I had knowledge of a deposit about to be available, which I know because I received one each week since I started banking with them in XXXX of 2020, the second reason stated that I frequently use my card in the area of where the atm transactions were made. In fact like I stated to them I never used my card in that area of town the entire time I have banked with them. Also I told them if I needed that amount of money why would I take it out of a atm in such suspicious increments. The only time I withdrew that amount of money was at a XXXX XXXX XXXX  for XXXX. I disputed there decision and have been getting the run around since the XXXX of XXXX trying to talk to a supervisor about my case and no one can give me a a answer on what is happening with my case and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
During covid 19 I applied for a deferral online like requested from the bank. This deferral request was in XX/XX/2020 and I followed up with numerous phone calls to see if it was approved. I was assured it was received and they were working on it. I also received notifications about my loan being late which I called again and was told they were computer generated and they were still working on the deferral and were just behind because of being shorthanded. 

It is now XXXX and I am being told my deferral never went thru and the payments I have made since XXXX when I resumed making payments have all gone to Interest and late fees. I never received anything saying my deferral was not approved. 

I have contacted the bank and they tell me there is nothing they can do. This is clearly wrong, deceptive and fraudulent. This bank is preying on customers in a time of crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: OneMain Finance Corporation
State: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: NC

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
As per several conversations directly and following the investigation on the errors in my credit reporting here is the documentation of proof that the mortgage payments where made on time and paid from my account. The payments where deducted and cleared on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX only XXXX was noted correct. 
Mr Copper has posted incorrect information, in addition reporting wrong at the Credit Bureaus. 
In addition we are in state of emergency already in California due to the Pandemic here are the orders from our Governor not to report negative information. This was signed since XX/XX/XXXX. 

https : //dfpi.ca.gov/2020/03/25/covid19/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
To Whom this may concern : I sent COMMONWEALTH FINANCIAL SERVICES numerous dispute letters and as of XX/XX/2020, COMMONWEALTH FINANCIAL SERVICES continue to report negative information to my credit report and I proof that my last dispute letter was received on XX/XX/2020. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit report ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have a US Bank Focus Card from my employer. On XX/XX/XXXX the card did not work though I knew I had funds. I called and was told my account is now inactive pending a review by the XXXX team. I asked to speak with them and was told they have no contact for this team as they are completely offline. I asked how I resolve the issue quickly. I was told to fax my Social Security card and my driver 's license. I faxed the documents on the XXXX of XXXX. I called again and was told it can take 24 to 48 hours to receive the fax. I called again I was told that the fax was received on the XXXX but it could take up to 5 days for processing. I call everyday and get told that the XXXX team is still reviewing or have not yet as my card is still inactive. I received another deposit on the XXXX and my account balance shows the funds available but they still have not made my card active. I have called and emailed the corporate offices and received an email back yesterday ... umm ... that the XXXX that they would forward my complaint to someone who could help me. I just want to have access to my funds so I dont lose my home as my landlord needs his money and nobody seems to care that 2 weeks is to long without access to your own money. I will take my business elsewhere and get direct deposit changed but I need this resolved immediately so I can take that action. Please help me.

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 2020-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company has began to call me and they dont leave voicemails to state who they are or a return number. I dont answer unknown calls and it comes up on my cell phone as " spam risk ''. I found them by looking up the number online. They have called 13 times in the last 3 days. 
XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( sleeping ) XX/XX/XXXX - XXXX AGAIN ( sleeping )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
i was given forbearance starting in may, going through XXXX. I was buying another house and opted out to be able to get the new loan. I paid {$5000.00} on XXXX XXXX to become current. As of XX/XX/07 Dovenmuehle, the processer for XXXX XXXX, has not applied the payments correctly. this is giving me an inaccurate payoff amount now that i am selling the original home that was in forbearance. I have discussed this with several representatives of both companies and no one is able to give me information on when this accounting process will be completed. I am trying to close on the sale XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Phh has violated my homeowners rights by not providing a single point of contact for a loan modification that I have applied for twice and sent them all the paperwork that they asked for 3 times.I have even made an appt with the relationship manager to talk over the phone and when the day arrived it still assent the lady who was assigned to my case. I am feeling thAt all hope is lost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: MI

Complaint narrative:
XXXX and Equifax you are reporting an illegal account on my credit from XXXX XXXX XXXX XXXX as an installment loan/ Banking/Creditor for an XXXX account. I never borrowed money from XXXX. I never borrowed money from XXXX XXXX XXXX XXXX. Under the FCRA a Debt Collector is not an Lender. I sent XXXX XXXX XXXX XXXX a Cease Desist letter for Deceptive practices. XXXX XXXX XXXX XXXX has fallen to supply with a loan contract from XXXX and XXXX letter state I do not owe them any money. 
XXXX/ Equifax there is no reporting from any creditor on Credit Report that I have a closed account owing {$270.00} accept your Fake Debt Collector XXXX XXXX XXXX . Remove this account completely of my credit report and restore my 24 points credit score. I am sending a copy of both credit reports showing XXXX listing a XXXX installment loan from a Debt Buyer and Equifax listing a Debt Buyer as a Creditor/Banking Loan

Company response to consumer: Closed with explanation