vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX a check in the amount of {$1200.00} was mobile deposited. 
on XX/XX/2022 the check was cleared in my bank. 

On XXXX XXXX the check was returned from my bank account. The reasoning per Chime was duplicate presentment. 

This check was an XXXX payroll check and after reaching out to XXXX on 3 occasions and getting a copy of the check we realized the check was never cashed again. I have asked Chime to provide me with the copy of the check they stated they had to prove it was cashed but nothing. 

I have emailed them over 20 times in the last 60 days this has been going on. I have provided them with everything needed. Every reply I get from Chime in email is either asking me if this is still a problem or how it is being escalated to the dispute team. 

This is not just a few dollars that was taken. I have literally spoke with XXXX weekly in hopes the money was returned but it wasn't. XXXX does not usually receive returns and if they did it should have legally been no later than XXXX XXXX for the funds to get to them. This is well over the 10 business days they have to return funds. 

I am at my wits end because this has put me behind in bills and my family. Please let me know what else I can do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
they are furnishing information that is not verifiable or accurate. 15 usc 1681 states about consent from the consumer. i have never gave you consent. Sent few complaints and you telling me verfied through pacer systems .That is a third party who did you talk to do a investigation to see if the information was accrurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent an investigation request letter to Experian, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 



I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Experian happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ). Under 15 U.S.C. Sec. 1681n ( a ) i have the right to charge for any violations and failure to comply with the imposed rules of 15 USC.

I will attach a copy of the sent investigation request letter. 
I will attach a copy of the invoice for the violations of each account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, Fifth Third bank started charging my checking account {$11.00} per month as a service fee. I have had the account for many years with no fee. I did not agree to this charge. They refunded one month of the fee but will not refund the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I opened up a Chase Checking and Deposit accounts in XXXX XXXX XXXX. On XX/XX/XXXX I changed all my automatic payments to Chase checking Account and transferred {$91000.00} from my XXXXXXXX XXXX account to Chase Account via mobile deposit of my personal checks written to me and endorsed by me. When the funds were still not available two days later I made numerous phone calls all informing me that my money would be tied " On Hold '' status until XX/XX/XXXX. I called XXXX and they confirmed that the money is out of there system and is sitting on Chase account pool. I had no access to bulk of my money neither from my previous bank nor the current bank. My numerous appeals and attempts fell onto deaf ears including the XXXX XXXXXXXX XXXX  Manager, his assistant XXXX XXXX. He told me I should send him a screenshot of my bank account along with check images, which I did, TWICE. Nothing happened. I now missed my chance to put my money in Treasury Bills to bring me at least a little bit income. I am retired and I am trying to the best with my money. To no avail .... 

Moreover, I wanted to transfer some securities to JP Morgan Chase. When I called and told them I needed help with the transfer because the forms were to detailed and I did not want to make any mistakes. The first two questions were " Is it self-directed? '' " How much are you going to bring over? I told them yes it was going to be self directed and asked them if XXXX XXXX XXXX was enough for them to agree to help me. The answer was " In that case, I can direct you to someone who can walk you through the form ''. This royal highness was apparently too good to help me to complete the process. 

I am more than appalled about the the behavior of the staff and the bank 's pompous behavior towards the citizens. I want to be compensated for their use of my money for 10 days plus penalties to put me through such anxiety and dispear. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed this account through the company and through previous complaints with the Consumer Finance Protection Bureau, with a collection from NCA or XXXX. The collection is for the same payday loan. The collector agreed to delete this account due to inaccurate information. However when I dispute this same account to have it removed from my credit report XXXX refuses to remove it. I have proof of the account deletion and have had no problems with XXXX removing the account in a professional and timely manner. Ive had to dispute this same account multiple times with XXXX with no success on their end. Also all other creditors are showing this collector as XXXX XXXX, its only showing up as NCA through XXXX but it is still for the inaccurate loan from speedy cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo failed to follow their own policy on " Extra Day Grace Period. '' They also defrauded my account by depositing funds from my paycheck into my account, it was visible and actually there, then taking it away and giving it back 24 hours later. I filed a complaint, Wells Stated they set a date to research and fix it, then respond. They did not respond, fix or conduct with any action as promised. They had to be contacted regarding this failure of procedure, again. 
They refused to rectify the issue in a timely fashion as promised and stated they were going to " Take another week because the rep was not there and because they can. '' According to procedures and banking policy, an issue with any account must be addressed in a timely fashion and agreed upon by both parties. This was not and I did not agree to the delay. They have plenty of people to fix the issue but they choose to state there is only one person assigned to handle millions of people who have account issues, break of policy and bank procedures. So far they have violated their own rules and regulations. This will not be tolerated and is subject to Federal oversight and legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
It has been over 30 days and the creditor has not updated the information or provided proof or documentation, in regards to a late payment. They have not supplied this information and they must, by law they have 30 days to complete an investigation. By law they must remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I noticed I have inquiries on my credit report that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NC

Complaint narrative:
Hello, thanks for the opportunity to talk about my issue. I moved from XXXX to XXXX XXXX  on XX/XX/2022. This week I've notice a debt collection under LJ ROSS Associates was posted under XXXX AND XXXX.I didn't have the opportunity to validate if this is a valid DEBT and if so, im more than happy to make a payment plan, but first I would like to dispute and if DEBT COLLECTOR can proof otherwise I will more than happy to make arrangements. I've request USPS to forward all mails to my new address in XXXX  before I moved from XXXX  to XXXX and I never received any mails from XXXX which is the debt reported under both credit bureau above. I don't know how to deal with this. 

Could you please help me? 

Thanks so much XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I paid off my student loans in XXXX of XXXX when I bought my house. My servicer at the time was XXXX XXXX. In the last few months, my servicer was changed to Aidvantage. I woke up this morning, XX/XX/XXXX, to an email from them saying I have a bill, owing them {$740.00} due on XX/XX/XXXX. I logged into my account, and they are saying I have an outstanding balance of {$10000.00} and that I've missed 4 payments. My loans are already paid off! Their website says they open aXXXX XXXX XXXX  eastern time and I've called 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it says they're closed. I tried the chat and it says the volume is too heavy and the feature is unavailable. I've emailed but I don't expect that route to go any better than the other two. 

This is the first contact I've had from Aidvantage since my loans were transferred. I never received a welcome letter or a bill in the mail or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX, I purchased furniture from XXXXXXXX XXXX XXXXXXXX online. They charged my Credit Card through XXXXXXXX XXXX  My furniture was delivered. Several strange transactions happened during the week of XX/XX/XXXX, the company would charge my account and then take the charge off. I was very confused about what was happening. However, since I had my furniture and was very busy with work I moved on. 

In XXXX of XXXX, I was contacted by XXXXXXXX XXXX XXXXXXXX. They said that during an audit they made a mistake and I was undercharged. I told them that was between them and my XXXX Credit Card Company. I contacted XXXX and was informed that XXXXXXXX XXXX XXXXXXXX had 120 days from the date of purchase to report any errors. I am in good standing with XXXX and the rest of my credit. 

XXXXXXXX XXXX XXXXXXXX sent their problem to a collections agency, Clear Recovery. Clear Recovery sent me a letter demanding the money. I told them no, that XXXXXXXX XXXX XXXXXXXX is responsible for the error and they use this as a learning tool. Clear Recovery requested a screenshot of my Credit Card transactions from XX/XX/XXXX. I told them no way and that if XXXXXXXX XXXX needs a screenshot of my Credit Card on the transactions that were completed on XX/XX/XXXX, they have an accounting problem. I did offer to give them the XXXX reference numbers of the transactions but neither XXXXXXXX XXXX nor Clear Recovery wanted those. I am sure that since the 120 maximum days to report errors to XXXX have expired that this would not matter. 

I do not use XXXXXXXX XXXX XXXXXXXX for credit accounts nor will use them to purchase furniture ever again. Please give me relief from XXXXXXXX XXXX  and Clear Recovery so can move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IL

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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I believe my former employer had people apply for credit cards with 6 different companies that did Hard Inquiries at the three major credit bureaus. 
After contacting the six companies they all agreed I was a victim of a fraudulent application and notified the 3 Credit Bureaus to remove the Hard Inquiries from my credit report. They all did except Transunion who will not remove the hard inquiries even after being notified by the requestor they were fraudulent applications. I personally requested Transunion remove the following Hard Inquiries filed by : XXXX XXXX on XX/XX/22 and XXXX XXXX on XX/XX/22. Both companies claimed to have contacted Transunion to remove hard inquiry. 
Transunion just keeps bumping the solution date for another 30 days even though the requestor has identified the requests as fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: CA

Complaint narrative:
I originally had XXXX XXXX as my mortgage company and I was on a forebearance with them because I was struggling in paying my mortgage every month so as of XX/XX/2023 XXXX XXXX  sold my mortgage to Get Sit Solutions. Around the second or third week of XXXX Get Sit Solutions contacted me to let me know that they took over my mortgage from XXXX XXXX  and I mentioned to them that I was on a forebearance plan and was I able to continue to be on the forebearance plan and I was told no because they did not offer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: VA

Complaint narrative:
I have inquiries on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XX/XX//23 I was victim of a phishing scam ; no assets were lost ; XXXX/XXXX/23 bank froze my checking and savings accounts. XX/XX/23 attempted to use existing debit card, declined by vendor. XXXX/XXXX/23 new debit and credit cards sent by USAA, activated ; received communication from USAA indicating that no fraud had occurred. I contacted USAA and requested a re-review of all circumstances. XXXX/XXXX/23 attempted to use new debit card, declined. XX/XX/23 USAA communication indicated that I would receive another debit and credit card. I will activate and likely have transaction declined as USAA organizationally does not appear to have integrated their systems to preclude new cards being sent to subscribers with " frozen '' accounts. 

I have made numerous calls to the security and fraud department of USAA regarding frozen assets, the status of my auto bill pay, USAA insurance, mortgage and XXXX XXXX XXXX payment, accrual of interest on savings account with no response. At NO time did I receive written communication from USAA. Further neither me nor USAA sustained any financial loss due to this criminal activity. 

On XXXX23I drafted a letter to the USAA CEO, Chairman of the Board and Sr VP and General Manager Bank Fraud Management and General Operations . 
This letter identified the situation, reminded them that I had been a loyal subscriber for over 30 years, as well as a XXXX XXXX XXXX XXXX. I am nearly XXXX years old, XXXX with XXXX XXXX and a recent XXXX XXXX XXXX. I requested the immediate closure of my savings accounts and forwarding of a certified check for the account balances so that I can, with a new bank, purchase my medicine, pay my mortgage, XXXX fees, utilities. I have received no response. 

This treatment which I believe is a further victimization of a loyal, senior, vulnerable subscriber, without a clear explanation of the process and access to my funds clearly merits examination from both the highest level of USAA as well as the CFPB.

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