vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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:
Transunion XXXX and XXXX Please make-up your mind You are reporting me delinquent for XXXX  XXXX XXXX XXXX as followed for 2019 Transunion Delinquent for XXXX XXXX and XXXX XXXX  DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that Citizens has provided you with the current delinquency months yet you Transunion XXXX XXXX XXXX have failed to update it correctly

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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: CO

Complaint narrative:
This company has the wrong person I would know if I went to the hospital, I have disputed and requested validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
Equifax is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for XXXX to delete these fraudulent accounts XXXX XXXX  ( CLOSED ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to XXXX already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Faxed in modification SPS SAID TOO LATE! IN CALIFORNIA HAS TO BE REVIEWED! Sale happened XXXX sold for {$480000.00}! SCAM, INSIDE FRAUD! Law states has to sell for MARKET VALUE and wasnt see PROOF! Called a broker, title rep and escorw officer and all said same thing! My cousin going to call the FBI fraud department, District Attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX etc. AND WITH XXXX PLUS VIEWS!! Is and inside scam and someone knew an investor who bought it! KNOW ABOUT UP SELL and and equity is mine! Will find out who legal owner is and filing federal paperwork. FORECLOSURE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
In XXXX of XXXX my mother passed away, In XX/XX/XXXX the remainder of my mother 's life insurance policy from XXXX XXXX was deposited into my CHIME account. As I was made the beneficiary of the life insurance policy I was not married so it was under my maiden name and deposited into my CHIME account under my maiden name. My CHIME account is under my married name but the check still was deposited. Life Insurance policy was deposited in my maiden name. It was then deposited into my bank account. I have had no problems or issues with cash deposits or withdrawals. All of sudden on XX/XX/XXXX I received an email from CHIME stating that my account has been suspended. CHIME has not allowed me access to close to {$20000.00} in my funds which I am entitled to. I have emailed to XXXX ; XXXX ; XXXX ; several supporting documents such as My Drivers License, Birth Certificate , Life Insurance policy showing policy and benefit amount, document showing my name as the Beneficiary and that the funds would be deposited into my CHIME account. 

I have contacted CHIME several times and have spoken to numerous supervisors which each call is all documented in their system and is all on a recorded call. Each time I speak to a representative they are not able to help in no regard and have to transfer me to a Supervisor, once a supervisor gets on the phone and ask me to verify the exact same information the previous representative has verified, Im still able to get no assistance. Each and every supervisor has told me that they will be escalating the ticket to a specialist, with theyre BACK OFFICE TEAM. Many times, I have been told that it would take 24 hours, dating back to XX/XX/XXXX ; then I will be told 48 hours, which 48 hours has surpassed, still no resolve. No representative or supervisor has shown any level of compassion, urgency, or desire to get this matter resolved. No one has even responded to the several emails that I've sent out to the email addresses above ; no one has been able to inform us when the issue would be resolved, no one has been able to tell us even the hours of operation at the headquarters located in XXXX XXXX in which I had to research via the internet. Ive been emailing CHIME beginning on XX/XX/XXXX as it relates to this matter in which a representative told me then if it didnt come from Chime.com dont respond, she also stated verbatim that Chime Outreach was not in her domain. Throughout all, this has caused me tremendous mental anguish and I have been in emotional distress. Any additional or supporting documentation that I may not present I have accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have not received a statement from Chase Bank during XX/XX/XXXX and since. In XXXX XXXX I attempted to submit an address change at the bank 's online site. The bank would not accept the address with a message that it was invalid non-existing. I tried several times but each time the change was rejected. Yet, I had no such problem with any other accounts, including credit cards, financial institutions and utilities. All other companies accepted the address change. So, I called the bank 's customer service. A representative stated that it was invalid, but she could override it and enter the change. Yet, no statement ever arrived even though it should have during the second half of XXXX. After XX/XX/XXXX I again called customer service. I was told that the statement probably was delayed by the XXXX because of holiday volume. Today, XXXX XXXX  I again called customer service. XXXX XXXX XXXX XXXX asked for my address. I gave it. She said that the bank 's records showed a different address. I asked her what address was shown. She said that the bank 's policy prevented her from telling me. I asked what happened to my XXXX statement. She did not know to where it was mailed. I pointed out that the bank obviously entered a wrong address or its software messed up, when I called in my new address. I requested a copy of the XXXX  statement and any upcoming XXXX statement. And, I said that because the bank erred I should not be charged any late fees or interest, especially since I have had a perfect record of paying on time on the XXXX Chase accounts I have. She refused to reverse the interest charges. I then asked for a XXXX. After a half hour on hold, I spoke with XXXX. She blamed me for making typo mistakes. She indicated that I entered my new address incorrectly. She claimed that I never called. Clearly, Chase Bank either lies or has corrupted / missing records. I told her that no other company had a problem with change of address. he dismissed this because she said the bank uses the same system for address changes. Then, why did the bank mess up when no other entity did? Clearly, because its IT is a mess. Yet, she admitted that the XXXX  statement did not come bank to the bank. This confirms that the bank erred in sending it or lies that it was sent, She also said that a XXXX statement was generated- for the wrong address which she still would not identify for me. And, she made it clear that additional late fees interest were added. She refused to reverse the charges caused by the bank 's failures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
Dear DYNAMIC RECOVERY SOLUTION ; XXXX XXXX XXXX ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
On XX/XX/2022 I spoke with the creditor Receivables Management about paying a debt in order to clear the information from my credit report. I spoke with a representative and the explained that once the debt is paid they can remove it but it would take 30 to 60 days. I paid {$470.00} to the debtor. 
" I recently followed up with the debtor on XX/XX/XXXX to inform them that the debt was still reflected on my report as settled but it was not removed. They explained to me that the account was settled and they are not required to remove it. I informed them that I spoke about the debt being removed when I made the payment and the representative said they could remove the debt after it was paid. However, I am now being told something different. And they redirected me to file a complaint with the credit bureaus, but I don't see how this is the case when they were the ones who informed me they would remove it.

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 2023-01-13 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: HI

Complaint narrative:
XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/ not late. And they want update my information.

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 2023-01-13 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: HI

Complaint narrative:
XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: HI

Complaint narrative:
I sent Experian proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information

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 2023-01-13 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: HI

Complaint narrative:
I sent XXXX proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information

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 2023-01-13 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: HI

Complaint narrative:
I sent XXXX proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Tower Loan of XXXX Missouri is repeatedly calling my husband, my friends, my past employer as well as coming to my home after I have repeatedly told them to stop. I lost my job & have not been able to make my payments therefore I am going to be filing bankruptcy to help clean out some debt. They have repeatedly told me over the phone that they are going to threaten legal action & garnish my husbands paycheck for XXXX XXXX if I dont make payments. The loan isnt in my husbands name. It is in my name. They are using threats & intimidation to get me to pay money that I absolutely do not have to give. There is no extra income coming into the household that would allow me to pay those payments. I am not going to leave off rent & utilities & groceries just to pay a loan company. When I applied & was approved for the loan, I was making more than enough money to pay the loan. I was paying all payments on time & they were not late until I lost my job. They have been harassing me for several months after I have reached out to the company & made complaints. I want this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My money was held and I was block from my entire account completely, having no access to make any transactions including my re-accruing bill pay etc. I was also blocked from seeing my account on line. I was left unable to handle ANy of my financial business. While I was told I was not being accused of fraud, I was sent to the fraud department. I supplied the documentation nesessary and no review was done. I also went to the local branch and supplied visual documentation of proper funds etc. if the funds were made available then my account would not be deficient and I was also told a review would be done the XXXX. Also, my account was blocked from any transaction wether or not other funds were available ( and they were ). I was incumbents mainly transaction fees due to this. The bank involved is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Dear FST FINANCIAL RESOURCES ; ( Original Creditor XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a couple of fraudulent credit cards that Ive told XXXX, XXXX and XXXX XXXX to dispute but they disregarded me wish dealing with my credit file.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX I opened a store credit card with XXXX XXXX XXXX XXXX Credit Card. On XX/XX/XXXX, I set up a payment in the amount of {$150.00} to be made to the credit card through my bank 's bill pay system - XXXX XXXX Bank. 

When I received my next billing statement, it indicated that no payment had been received and they charged me a late fee. I confirmed with my bank that the payment was sent out and had my account number attached to it. I then sent messages through the Credit Card messaging portal but they just kept requesting a payment, they did however waive the late fee. I did make a payment through the portal at that time as I did not want a late payment being reflected on my account. XXXX finally sent me a letter through XXXX Bank on XX/XX/XXXX requesting that I telephone them to resolve my inquiry. I did telephone them on XX/XX/XXXX at XXXX, I spent XXXX minutes on the phone with a representative She took down all of my information and indicated she saw the notes in the computer from my prior messages and that they would get this resolved for me. 

On XX/XX/XXXX, after more than a month went by I began messaging them again and I would get generic responses of which I would respond pleading with someone to please read my messages and respond appropriately. They then requested that I call them and file a claim, I stated that i already did that. So again, on XX/XX/XXXX at XXXX I telephoned them and spent XXXX minutes on the phone. The representative told me something to the effect of - Don't worry this time you filed a claim. I told her yes and I have already done this once before! She was apologetic. 

On XX/XX/XXXX I received a letter assuring me they are looking into the matter. Still, I hear nothing so on XX/XX/XXXX I message them requesting an update. I am told I have already filed a claim and they are looking into it. Months later on XX/XX/XXXX i receive another letter from them requesting a lengthy list of information of which I've already provided!! 

I am done trying to chase this money with them and am hoping for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: IL

Complaint narrative:
XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for XXXX XXXX Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX XXXX  DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX Equifax XXXX XXXX have failed to update it correctly

Company response to consumer: Closed with explanation