vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: CA

Complaint narrative:
hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX BANK Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
For over two weeks I have been trying to work with chime bank in regards to a product they offer called my paycheck. The product offers in advance on your paycheck for up to XXXX XXXX of your paycheck earnings. I had used the product several times, and can show months of several direct deposits received from my payroll. Chime offers 50 % of an estimated amount based on the history of my direct deposits. This estimate has always been roughly {$860.00} which allowed me to take in advance of XXXX. Chime had allowed me to do this several pay periods and then recently the product has started reporting my estimate earnings way lower than ever before. I contacted Chime because it did not make sense as they were connected directly to my payroll through XXXX and they had been receiving my direct deposit every two weeks from my employer for over a year so theyve had plenty of data to create a better estimate. Also, my Pay has never decreased its actually increase and I have allowed more of my paycheck to be deposited into Chime and efforts to help build my credit with her chime credit builder card. 

Chime not only is set up with my direct deposit, but also linked directly to my payroll company XXXX, which means they have access to all of my personal data. Since they have access to all this data, I find it deceiving and not right that they can report an accurate data. 

Today XX/XX/2023 I logged in to my Chime app and noticed my paycheck product now only offered XXXX XXXX  of my off estimate earnings when it had been XXXX XXXX for months. I am currently going through a state of emergency were the advance funds I was hoping to use from the my paycheck feature to help me get through till my direct deposit. Not only did the percentage change but again the estimate earnings is still not accurate and has been somewhat accurate for months until now. I just talked with one representative and two separate supervisors because I was getting different answers. At one point a supervisor named XXXX told me completely wrong information which escalated it to another supervisor who could only tell me that they would escalate it further for the technical team to look at this continues to be the roundabout I get every time I try to work with Chime, and nothing gets fixed. 

I expressed to chime in their XXXX. How negative this feels against the consumer when me, the consumer did nothing for the negative impact. There is no reason I shouldve dropped from XXXX to XXXX XXXX and there is no reason my estimated earnings should be lower than they ever have been when I am having more deposited into my Chime account then before. I understand there are guidelines for the product, and I have read through all of them and I can not find one that I have broken in order to cause this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-28 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: AZ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28 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: TX

Complaint narrative:
Equifax is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Equifax, and nothing has changed unfortunately. It is against the law for Equifax to report incorrect information to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-28 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: AXOS FINANCIAL, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act Axos Bank 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 a account without my written instruction.

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
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I have not been able to view or gain access to my personal checking account, for over three days. Renasant Bank routing number XXXX. This bank launched a new system on XXXX XXXX and their phone number was constantly busy and I received no return calls. On XX/XX/XXXX a manager tried to help me by sending new password changes, but none worked and all said invalid credentials. I live over an hour away and therefore do not want to drive XXXX hours round trip to resolve this new launch problem that Renasant Bank has created! I spoke with the branch XXXX, XXXX XXXX, in XXXX, Ga and left a message with XXXX XXXX at the XXXX XXXX, XXXX XXXX and did not get a call back from XXXX XXXX. I believe Renasant Bank originated in XXXX Thise is truly maddening, to create so many problems from this bank. Three of their locations in GA, told me they can't even answer all phone calls for the last three days because hundreds of people have this same problem. Please help and advise me how to get this resolved. 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 explanation
Consumer complaint received 2023-06-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On multiple ocasions my XXXX and I have contact the XXXX XXXX XXXX XXXX  about the on going issue were we purchased an item and return it yet we have not recieved a credit. We are looking for resolve and hoping someone can help us in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have spent XXXX hours total on hold in the past week attempting to get access to my Citizens bank account online and through their mobile app. Their support personnel keep saying " there's a new authentication system, and it isn't working... there isn't anything I can do... try again later ''. I try again later, days later, and still nothing. The nearest physical branch is nearly an hour away from me and they will not fix their online access issues. Their support people do not have any ability to fix, reset or unlock accounts- and they have repeatedly stated that they, too, are frustrated with the poor software that was rolled out for the new authentication system which is non-functional. 

I have no access to my money at all because of this issue and the bank is not resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: VT

Complaint narrative:
I applied for this Discover Card XX/XX/XXXX. I moved {$2000.00} INTO IT FROM ANOTHER CARD SHORTLY THEREAFTER. TERMS : " PURCHASES AND BALANCE TRANSFERS : 0 % INTEREST FOR 18 MONTHS FROM DATE OF OPENING THE ACCOUNT, AS LONG AS BALANCE TRANSFER IS MADE BEFORE XXXX XXXX, 2023. 

Besides paying the 3 % fee for the transfer of funds, I have been charged interest on the total in my account since opening it. This clearly goes against terms of the card agreement. 

Also, aside from {$2000.00} worth of charges made within the first month of having the card, I have not charged much to this card, yet " minimum due '' continues to rise. 
I would like the payments I have made, over the {$60.00} for balance transfer, refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXX XXXX XXXX is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
I was put in XXXX for XXXX XXXX and wife was forced to modify the mortgage due to no income and the threatening foreclosure where the mortgage company charged the mortgage from 4 % fixed rate to adjustable rate and put XXXX on back side of loan now paying XXXX % interest they refused to do modification to put back fixed rate because of being late on payments even though they caused my mortgage to double making it difficult to pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-06-28 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: IL

Complaint narrative:
On my credit report there is an account in derogatory and it shouldnt be stating that for transunion. And there is an address for Georgia that i have never lived at before and they wont allow me to take it off

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry XX/XX/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 2023-06-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.

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 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am XXXX of the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX are XXXX legal residents whose name is in the Deed and they have been maintaining their residence here since XXXX. 
Recently XXXX XXXX passed away, at the time of her death she was in active XXXX after her XXXX XXXX  was dismissed. Her XXXX stayed the XXXX attempt by Select Portfolio Servicing. 
Unfortunately, XXXX XXXX, a law firm representing XXXX  notified us that our property was scheduled for XXXX on XX/XX/XXXX we didnt receive the letter until XX/XX/XXXX we werent given 30 days as per FDCPA to verify the debt. Soon after learning about the sale date we have written to XXXX of SPS  their XXXXn Department and send some document to show the proof of XXXX XXXX death along with some documents to show that if we get one postponement we might be able to secure the finance to pay off the house furthermore we send a prequalified letter to show we have a qualified buyer who is ready to buy the property. But to our dismay they are pursuing XXXX with no interest to help us retain our home. Their XXXX Department is supposed to help consumers, but their act makes them look like they are ingenious, and they have no intention to help consumers. It's a shame. 
We like you to help us with this difficult situation to save the roof over our head while we are mourning for our loss.

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