vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: NC

Complaint narrative:
I am currently situated in a XXXX XXXX  and prior to entering the facility my cell phone was given to my mother because she actually bought the phone just a few days before. My sister entered my mothers house and stole my phone containing all of my personal account information. I had left my wife all of my information for most of my other accounts so she could handle all of the finances etc I could not remember the login to my Chime account and the only way to change the password was to have possession of the phone my mother took back from me, the same XXXX my sister stole. My wife had physical possession of my debit card for my chime account but she could not access my account. My wife informed me that my sister had stolen XXXXXXXX XXXX out of my chime account. Once my wife learned my sister had taken money from my account she began moving my money onto her own personal XXXX XXXX to prevent my sister from taking even more until I was able to contact chime to get my account more secure. I eventually was able to use a phone to contact chime ( again ) and have my account reset so my wife could have access to it. My wife updated the password and phone number associated with the account and cut the old card off and had a new one sent out. I had filed a dispute with chime and was told my wife needed to press charges or file a police report ( since I am in a XXXX XXXX  ) before they could issue the money back to the card. My wife went the next day and filed a police report and sent it to chimes support team via email. They denied the dispute and would not return the money. I called again today to speak with someone and give information about my account and they still denied the dispute and will not return the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Global Lending Services LLC
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited XXXX good checks from XXXX into my citi saving account. 
Citi scanner is not right, and returned XXXX checks as bad checks. 
I spent a lot of time and talked the XXXX who paid me, and XXXX, and confoirmed both are good checks. 
I chatted citi, and chat asked me to deposit at a local citi bank. I went there, the local office called XXXX XXXXXXXX with me and confirmed they are good checks. 
so we deposited again. 

XXXX : Citi cashed one check and returned another with {$2.00} and fined me fee. 
I chatted again, the agent agreed to return the fee and {$2.00} As today {$2.00} was losing, he did not credit as what he told me. 
I chatted again, citi rejected to tell me who I can complaint.

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 2022-09-30 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am trying to close a Bank of America business checking account ending in XXXX in the name of XXXX XXXX XXXX XXXX. I am the president of this company and have returned a signature card in the spring of this year reflecting such. 

I visited a branch of Bank of America on XX/XX/XXXX only to be told my request could be handled on the phone. I called the call center via the Bank of America app, on which I had authenticated ( and was allowed to transfer funds in and out, pay bills via billpay, and do other normal banking tasks ), and was denied the ability to close the account because the rep said " needed documentation hadn't been uploaded '' and that I would have to visit a branch with my ID to close this account. When I mentioned I had already visited a branch and the branch personnel had directed me to call, the representative, while polite, indicated there was nothing she could do. 

This account charges a XXXX XXXX  monthly fee and I was trying to close the account before the next fee would be charged so as to avoid it. I pointed out this to the rep, who said she would " notate '' my account so that when the next fee posted, it could be reviewed, but that she was unable to guarantee it would be refunded. 

I have a feeling this was a ploy to keep the account open so that more fees could be charged. A customer calling in, authenticated, via the bank 's own app should be able to close an account to stop further charges. At it stands I have visited a branch and called and still can not get Bank of America to close this account. How am I supposed to stop being a customer? 

RESOLUTION REQUESTED : Close the checking account ending in XXXX and refund any fees that post on or after XX/XX/XXXX, as I was prevented twice from closing the account before any fees would be incurred.

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 monetary relief
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.

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 2022-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.

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 2022-09-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2022 I submitted a letter to Experian to correct inaccurate payment statuses they are reporting inaccurately. ( Ive included a copy ) I received a response on XX/XX/2022 from them stating that they were updating the accounts ( Ive included a copy ) I received a credit report on XXXX and the accounts are still reporting inaccurately. ( Included a copy of both accounts )

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 2022-09-30 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: NY

Complaint narrative:
I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.

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 2022-09-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XX/XX/2022 I inquired at XXXX store about purchasing phone service, the representative obtained my information. I advised I was still shopping n did not purchase a phone at XXXX or any phone service. The representative should have cancel account information obtained. I then decided to go with XXXX XXXX  XXXX. As of today the phone for granddaughter is with XXXX XXXXXXXX XXXX and my cell phone is with XXXX XXXX  XXXX XXXX I have explained several times to XXXX and to collectors to no avail. Even though there is no Phone number attached to account n no activity on account they continue to bill 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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: NE

Complaint narrative:
I found unauthorized transactions on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX i went to the bank and deposited a check into my checking account. On XXXX the bank locked my account. I can understand putting a hold on the amount of the check but i had funds in there before the check. i had my car insurance coming out and i tried to use my debit card and was declined. I called the after hours line and twice they told me i could not have my money until XXXX XXXX XXXX so on XXXX i went to the bank and took him 15 minutes to finally tell me i could have the amount prior to deposit. but i declined that because i figure i might close the account down, but it's upsetting that the money is in my account but refused to help me until i went in person and told them i was going to contact you about the problem and i got laughed at from the manager. i figure it's my money why can't i have it, also on XXXX XXXX my payroll check was deposited and i am not allowed to have it either until XXXX. the bank also took and opted me out of receiving my pay 1 day early because of them locking down my account and wont fix it, so it's time to just close the account. Sad part is i never got a apologize for the inconvenience or getting back my early pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: SC

Complaint narrative:
US Department of education and the US Department XXXX XXXX this information is on my credit reports Transunion and XXXX. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.

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 2022-09-30 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: SC

Complaint narrative:
US Department of education and the US Department of XXXX this information is on my credit reports XXXX and Experian. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.

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 2022-09-30 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: NY

Complaint narrative:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.

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 2022-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.

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 2022-09-30 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: I.C. System, Inc.
State: NC

Complaint narrative:
IC System has reached a debt that is older than XXXX XXXX on my credit report. I have not received any communication in regards to the debt and original creditor was XXXX. This account had long been closed and I have disputed this with the credit bureau.

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 2022-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.

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 2022-09-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is notice that Equifax, XXXX and XXXX are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

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 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had an account with Paypal since 2016 and my account was permanently limited due to unknown reasons. I contacted paypal to see wha the issue was and they stated that it was due to a risk factor and I am unable to utilize my account. The company would not tell me anything as to what a risk factor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Sometime in XX/XX/2022, someone fraudulantly opened up Checking, Savings and Money Market accounts with Navy Federal Credit Union under my name. 
They even overdrew {$6600.00} from the checking account by depositing {$11000.00} and withdrawing {$18000.00}. 
When I received the " Welcome '' package from Navy Federal Credit Union on XX/XX/2022, I contacted and reported this as fraud to NFCU 's security department. 
They have advised me that I will receive a mail in 15 days to update the status of the investigation. 
As of today, I have not received any mail from NFCU 's security department. I keep receiving bills from their collection department for me to pay the overdrawn amount of {$6600.00}. 
I tried calling various times to find out the status of my claim however their wait time is about two hours that is if the phone does not disconnect by itself while holding.

My main concern is the credit union 's collection department reporting to credit bureaus for non-payment of the overdrawn amount and damage my good credit history. 
Attached please see the relevant documents. 
I would appreciate if CFPB can help or assist me in this matter. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief