vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was scammed on XXXX XXXX  on XX/XX/XXXX. I was attempting to purchase a washer and dryer and the seller called himself XXXX XXXX and he had a set for a good price. I told him via messenger that id take them and he said if i wanted them the only way he'd hold them for the 2 days till i could pick them up was if i sent a XXXX XXXX deposit to him as a down payment to hold them. So i did as he requested and 2 days later when i went to message him he had closed his account. He said he was engaged to a XXXX XXXX and the cashapp id showed XXXX XXXX which the guy told me was his son. He said they live in XXXX and ive found since then the guy and his so called wife keep making new profiles to sell the same appliance set. Ive reported this to XXXX but they dont care. Nothing unusual there! I went to my bank chime and disputed the charge. Chime denied my dispute within an hour or 2 even though their own written dispute directions clearly says a customer has 24hours to email supporting documents to assist in the decision making. Then after they declined mine so fast that then pushed me into having no chance of seeing my money anytime soon because after a declined dispute and resubmitting it they then have up to 45 days. They waited weeks and then still declined my dispute. This time i asked them to tell me how theyve come to this decision when i sent a ton of supporting documents that clearly showed i was a victim. They sent me a paragraph explanation as to how they decided. The issue is i read the paragraph at least 5 times and it dorsnt relate to my case at all. It talks about the seller being responsible for warranties and services. Well you must have actually gotten a product to need a service call or a warranty.. I then messaged them back and told them i dont see how this is related to my situation so plz explain. They refused to say more all they would say is well if you have new info to add then we will reexamine it but besides that is there anything else i can help you with... I filed a report on the theft with the FTC and in fact it was your website that told me chime should be honoring this dispute as a fraudulent transaction. So i just messaged them a snapshot of exactly what i read on this site which fits my situation to the tee. So i suppose we'll see what kind of XXXX they try to make up next i suppose...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IL

Complaint narrative:
dear 1- MEDICAL BUSINESS BUREAU claims that I owe them {$500.00}. 
they never send me any bills or comunication. I did not receive any official notification about having the bill will go to a collection! I did not hear about this company before.

2- this company harms me by reducing my credit score 47 points costing me an increase in my car loan I am attempting to take this is cost me an extra {$3500.00} in my car loan i going to take.

3- MEDICAL BUSINESS BUREAU it is unethical to do that to people the should remove this record from the credit report for unfair act and miss communication.

4- before adding something to the credit report they should have communication explaining the situation what is my rights and my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Opened a checking account with Citizens Bank online after discovering a sign on bonus of {$300.00}. The criteria- one {$500.00} deposit within 60 days of opening. 
Opened the account with the {$10.00} minimum deposit amount XX/XX/21 On XX/XX/21deposited {$500.00}. 
Since then- Ive had amounts from $ XXXX direct deposited into the acct. 
I have called several times recently and can not seem to get a person. Only an automated system when dialing the contact us number provided on the Citizens website. 
I was thinking of completely switching over from my main bank but I have reconsidered. 
It says I shouldve received the bonus within 90 days of my qualifying deposit. That wouldve been XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records.

15 usc 1692b ( 2 ) - unauthorized use of credit by a person other then a cardholder who does not have authority for such use and from which the cardholder receives no benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NC

Complaint narrative:
Experian Credit Reporting Agency has a XXXX XXXX XXXX XXXX account in my credit files that is not linked to my name or address attached to this collection account is showing a status : Seriously Past due date/assigned to attorney, collection agency, or credit granters internal collection department.I originally mailed dispute letter to experian on XX/XX/21 included all of the supporting documents that was requested which was copies of Drivers license, social security card, police report, Identity theft Report, my full name, date of birth, current address which also reflects my address for past two years.Experian states they never received dispute letter mailed XXXX.After I was informed Experian never received dispute letter I decided to send Experian a certified letter requiring signature upon receipt.I also was able to successfully upload the supporting documents as listed above to experian 's documents upload site.Experian finally admitted to receiving the dispute letter and supporting documents that was sent via certified mail.However Experian denies receiving uploaded documents.Experian representative stated on XX/XX/21 that they received dispute letter containing requested documents on XXXX I reached out to experian due to a previous dispute of Portfolio Recovery Associates Collection account not being removed from my credit files, address that doesn't belong to me being in my credit files, and questioned the removal of the name that the Collection Agency reported to the credit bureau due to Experian representatives previously informing me that name could not be removed due to it being linked to the collection account.I spoke with a rep XXXX asked to speak with supervisor since rep response to my questions was " I don't know '' Rep would put me on hold come back to phone and claim he was unable to get supervisor.Rep even questioned me why I wanted to speak with supervisor I replied Its my Right basically I was denied the chance to speak with a superviso

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 There was a balance of approximately {$1900.00} on the Capital One bank Credit card that was issued to an account we opened. A negotiable instrument for the sum of {$2500.00} ( # XXXX ) was mailed to the company certified mail with specific instructions to adjust the account to XXXX as a debt discharge, and to leave the account open for future use. The letter mailed in also stated if this instrument was not to be accepted as a form of discharge the negotiable instrument was to be returned, but failure to return it will constitute acceptance of the instrument, for full settlement of the debt in its entirety. The consumer contract states that " Mailed payments received by us at any other location or payments in any other from may not be credited as of the day we received them ''.

I checked the account and I was informed the account was closed and the balance was still the same but my negotiable instrument/promise to pay was never returned [ See UCC 3-309 ( A ) ( 3 ) ]. This is also a violation of 15 United States Code title 1691 ( a ) ( 3 ).

When calling in I was informed by a manager the account was closed because of " contract problems with payment '' but the manager refused to elaborate further. 1 week later we receive a letter stating " We are closing this account because of activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' It also states " You are still responsible for paying, in full, any remaining account balance. You will continue to receive billing statements until any remaining balance reaches XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Ave Student Loan Servicing, LLC
State: SD

Complaint narrative:
Ive been in touch with this lender, CollegeAve, 10 times since this issue started. During Covid my father lost his job. I called asking if there was some way we could adjust the payments due to our income changing. He is my co-signer. They told me I could only defer it or make $ XXXX monthly payments. I wasnt thrilled about how low the only other payment option was, but I said I would go with that option. They put me on forbearance instead. The next month, when I went to make the payment, I called letting them know there was a mistake. I was told there was nothing they could do about it and I would have to wait the 6 months until the forbearance was up. I called 3 more times. I called again when they dinged my credit for a missed payment while I was on forbearance. After threatening to take legal action, it disappeared off of my credit report and student loan statement. I waited the 6 months to call again and attempt the {$25.00} option for the 2nd time ( or see if there were other options ) and was put back into forbearance. Again I was told there was nothing that could be done. My forbearance is up XX/XX/XXXX. I need an income based repayment plan. They have now added a year of interest to my balance. I was told my only option would be to refinance if I wanted something better suited for my income, but with my credit score alone I dont qualify for one. My co-signers credit has only taken a hit since not having work to pay his debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I worked with XXXX XXXX and others at Freedom Mortgage on refinancing my mortgage on an investment property in XXXX, TX earlier this year. I was told throughout the process that I would not be paying any points on the mortgage. In the very last couple of weeks, after *months* of working to making the refinance happen, getting the appraisal done, sending lots of paperwork, etc., they told me that I have to pay {$1000.00} in points, and if I don't like it, too bad. I complained and was told too bad, sorry. Given how invested I was at that point and that my other options I had looked into were gone, I went ahead and paid them to get it over with. 

I filed a XXXX complaint in XXXX. They eventually paid me {$500.00} of the {$1000.00} owed but are refusing to pay the rest. The XXXX complaint is ongoing. They keep making different claims, without proof, about how I caused delays in getting the refinance done, and I keep providing proof to the contrary, including emails and documents from their representatives recognizing and showing that they are at fault for the delays with the refinance.

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 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: TX

Complaint narrative:
Have No Knowledge of XXXX debt to XXXX XXXX XXXX XXXX I would like Viking Client Service to Validity date of this information the date of the debt the amount of the debt.to be posted to CFPB that it may be view.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account on XX/XX/2021, due to a previously closed account. However, I've disputed the previous closure as unjustified and that's why I was allowed to open new accounts, yet they still closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Continental Credit, LLC
State: FL

Complaint narrative:
From XX/XX/2021 to XX/XX/2021 They promise that they would fix my credit they took my money and didn't provide any services at all. I download XXXX  app to monitor the progress an nothing change. There was no disputes created or sent to credit union. I would like them to refund all my money back because they never did anything they promised. I called several time an got the run around as well text them about my account an nothing was done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: VA

Complaint narrative:
People from two different states in the US stole my ssn identity and it has downgraded my credit score from XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
Hi dear, I have a scam transaction on Binance https : XXXX I have issue of automatic liquidity remove on ( XXXX XXXX XXXX +UTC ). Even tough I didn't do any action on my own it removed liquidity and my XXXX was sent to unknown address below : XXXX. This address then sent it to BSC Token hub address : XXXX I have no idea why my BNB was transacted to different address without my approval. 
I tried to submit my issue and chat with their customer service, no good reply or any action. 
FYI : My address : XXXX Receiveraddress : XXXX XXXX receiver address : XXXX Best regards, I hope you will assist me to solve above issue. 

my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have tried to close my XXXX mothers account ( s ) for months, Bank of America has all the documents ( as they required ) but somehow can not close the account ( s ). After many, many, many calls they closed the XXXX account but somehow lost the other XXXX account. Despite many calls and many discussions they want to call the account closed, even after admitting that they lost an entire account worth 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 monetary relief
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is not applying credit card payments to the highest rate balance. Even after the minimum payment is covered for the lowest interest rate balance, they are first paying off 0 % interest rate balance transfer offers first and leaving higher rate purchases and cash advance balance to be paid off last. This leads to making it nearly impossible to pay off any purchases or cash advances until the promotional balance transfer offer is paid off, thereby locking the consumer into paying interest if they use the card after the balance transfer offer.

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 2021-10-22 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: CA

Complaint narrative:
Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

Enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XXXX I reported 2 charges that were not mine. My bank originally filed my claim wrong, the. Had to re file. I was told in XXXX that I would get a provisional credit, I have yet to receive. 2 months into the investigation they freeze my account questioning a mobile deposit I made in XXXX. Please see my attached time line.

Company response to consumer: Closed with monetary relief