vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: SC

Complaint narrative:
I recently opened an account with chime and everything was fine until my second deposit. I had recently received my credit card and activated it that morning, that afternoon I got an email saying final steps and more information was needed. I started following the steps in the email and stopped half way through. Then I got an email saying there was a log in to my account from XXXX. I reside in XXXX XXXX, I immediately changed my password and while I was changing it I got an email saying I had transferred {$1000.00} to some email address I had never seen. I finally logged into my account and saw this transaction and immediately called customer service. The first representative said no money had moved from my account ( all of this happened in less than XXXX minutes ) I asked her to cancel the transaction and she did not, she began to ask me questions that I had already answered and filled a dispute instead of canceling the transaction. I was then told I have to wait 20 days to even get a credit. I sent in supporting documents showing the email I received and also the log in from the unknown device. I was contacted in less than XXXX hours and told my claim was denied. I called back and asked for a supervisor who showed no concern or empathy at all and was told well we can open a rebuttal but if you send in the same information theyll close it in an hour. I was livid at this point but I submitted the full timeline of emails showing where there was a log in and transfer done while I was trying to resecure my account. I asked did they get my documents previously and no one could answer the question. It would take me 20 days just to get a credit but they take less than XXXX to deny me. Looking at complaints from this company this is an ongoing issue with accounts being hacked and people having issues getting their hard earned money back. I thought switching here would be beneficial to me but I have more of a headache then Ive had with any other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I took out a loan with TOWER LOAN/XXXX XXXX in XXXX LA XXXX on XX/XX/XXXX ... .I am constantly trying to make payments each month and this company is REFUSING MY PAYMENTS IF THEY ARE PARTIAL!! I spoke with the management XXXX XXXX on XX/XX/XXXX in the office. I told her I CAN meet the payments they have in place ON TIME by DEBIT CARD over the phone each month. The manager stated to me they can ONLY ACCEPT PARTIAL PAYMENTS IN CASH AND IN THE OFFICE IN PERSON!! THEY WOULD NOT TAKE MY PAYMENT FROM MY DEBIT OR CREDIT CARD UNLESS IT WAS THE AMOUNT THEY WANTED!! I asked her to place this in writing please, she refused to do so and told me the company would not allow it..She offered to come to my home and collect any payments I had but they had to be IN CASH ONLY SHE SAID OTHERWISE SHE COULD NOT ACCEPT!! I have XXXX XXXX children and I can not continually go to their office and make payments because they REFUSE MY PARTIAL PAYMENTS OVER THE PHONE!! She stated to me on XX/XX/XXXX that the the SYSTEM WILL NOT ALLOW HER TO TAKE ANY PARTIAL PAYMENT FROM ME THAT WAS NOT IN PURE CASH!! I asked her if she would place this in writing as well... she refused this also and stated there is no point and the company would not allow it. I am trying to keep my account current but I am being charged COUNTLESS LATE FEES MONTHLY because they WILL NOT ACCEPT MY PARTIAL PAYMENTS!!! I can not travel to get cash each month to give this company due to XXXX of my children XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BUT I CAN PAY OVER THE PHONE!!!! I explained this to this company thoroughly and she refused to assist me in any way further. She told me it was my responsibility to get to their office WITH THOSE XXXX  CHILDREN!!!! They also called me and my family a told of 42 times in 1 month repeatedly!!!! I asked on XX/XX/XXXX that this company would stop the excessive calls to myself and third parties on the application because it is beginning to become harassment. The manager refused and stated this is what has to be in order to collect payments. I asked if calls were being documented because the company even calls BEFORE DUE DATES ... the manager stated calls ARE BEING DOCUMENTED!!!! Including all calls total to third parties as well..this company has called a total of 68 times in 1 month!! I have each date and time to each person they have called!! It's ridiculous and causing me financial stress and strain!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 a account without my written instructions

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 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
On XX/XX/2022 the defendant wrongfully began reporting false and harmful information to the credit bureaus regarding such an account which has never been mine, would have been mine, and whatsoever. I have filed disputes with credit agencies and this has led me to here, a violation of FCRA regulations which protect against harm and financial hardships against consumers. 

Defendant has been sent a refusal to pay letter, per FCRA guidelines and was received in their offices on XX/XX/2022 at XXXX XXXX. The actions resulting from the letter being delivered have been ignored and the consumer is illegally being impacted by the misinformation this business is illegally reporting to the credit agencies. 

It has been 5 business days since delivery and accounts are still reporting illegally and incorrectly on the plaintiffs ' credit reports. The complaint is a demand per guidelines on FRCA this account be removed, any and all attachments to said, individual. I am a victim of identity theft and it is federal due to crimes attached to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
After my attempts to reach out to Equifax in regards to handle this matter, it is to no avail, that I am forced to file this complaint and take all necessary actions by exercising my rights as a consumer. Pursuant to 15 USC 1692a ( 3 ), I, am, the consumer and natural person. Without my permission or authorization, Equifax assumed their role, as stated in the congressional findings in 15 USC 1681 ( a ) ( 3 ). Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to insure that they exercise their grave responsibilities with fairness, impartiality, and respect for all consumers ' right to privacy. Equifax has been unfair, using unlawful adverse actions, violating and not respecting my consumer 's right to privacy, as well as, not adequately protecting my personal information, as a consumer. Equifax has continued unauthorized use of my credit report, allowing my personal information to be unlawfully accessed by and shared to unauthorized 3rd parties and unauthorized users. Pursuant to 15 USC 1681 ( b ) ( 2 ) the furnishing of a consumer report must be in accordance with the written instructions of the consumer to whom it relates. Therefore, I demand that Equifax immediately cease and desist all furnishings or reporting, and unauthorized use of my personal information. I also demand that they send me all files containing my personal information, as requested. Equifax has violated federal law and my consumer rights so, as a result of the damages and sufferings, I demand monetary relief ; violations are liable for up to {$1000.00} in damages, per violation, under 15 USC 1681n and 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MI

Complaint narrative:
XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( Transunion, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, 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 non-monetary relief
Consumer complaint received 2022-08-11 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: MI

Complaint narrative:
XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I XXXX accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 a account without my written

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 2022-08-12 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On or about XX/XX/XXXX a fraudulent Target account reported to my XXXX credit report. I notified local authorities and filed a police report. I reached out to both Target as well as XXXX multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both Target and XXXX was XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: Kikoff Inc.
State: GA

Complaint narrative:
Kickoff Lending LLC is reporting a closed and delinquent account, I have never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
At XXXX today, I received an email that an application for an account had been created by Bank of America . Also at XXXX, I received an email that my application had been approved. 

The thing is, I never applied for this account. 

When I attempted to chat to close, I was told I had to call. So I called ; the first person I spoke to said that there was no information on how the account was opened. He transferred me to another person who was going to submit a fraud claim and then wanted me to call back to close the account. After declining that *very appealing* offer of wasting yet more of my time on an issue I didn't create, she closed the account and initiated the claim. 

I wanted to report this as, given the first person 's comment, it seems likely to me that an employee at Bank of America opened this account. I know financial institutions have fraudulently opened accounts in the past to pad their stats. 

I do not know if this is possible, but I would like to see some documentation regarding the alleged application that was submitted and approved.

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a final closing payment in may with Comenity bank on my XXXX XXXX XXXX and closed the account. I was told there was nothing else for me to do and that I was good to go. I was then called months later saying I owed interest fee even though I had fully paid the account and was told I had nothing left on it and even closed it. I didnt have access to the account. On top of the interest fee on a closed account, I was charged multiple late fees. I never received any form of statement via mail or email. I told them I wasnt paying something I had no idea I owed. The customer service representative then said okay bye and hung up on me. I spoke with another woman who told me shed pass it along. I then called again and was told dont worry, we wiped it clean youre good to go. I thought everything was ok until I was checking my credit today ( XX/XX/2022 ) and I saw there was still a fee listed. I called and sure enough i owe {$42.00} still. I hadn't even received a phone call since the original calls. I eventually spoke with a supervisor who told me she waived the fees and credited the account which then leaves my account with no payments left. Im still not sure this is fact, and I feel unsure that I wont eventually be getting phone calls on account thats been closed since XXXX. I already spoke with a supervisor and Im not sure who else to speak with. I paid the account off and closed it months ago, and was never told I owed money until months after the first late fee was due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {$1300.00} 2. Holloway Credit Solution {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXXXXXX Account Number : XXXX,. 
XXXX Account Number : XXXX XXXX -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 a account without my written

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX -XXXX  XXXX XXXX XXXX Account Number : 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 a account without my written

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 2022-08-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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