vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I attempted to get available funds of {$250.00} out of my Chime account. My Chime account was opened XX/XX/XXXX. I linked my personal checking account to transfer the funds to it. After linking my personal bank account the only transfer option available was to transfer funds from my personal account to Chime. 

My husband and I in hopes of getting the funds out of the Chime out sent the funds to a different email than what is on my account I had been using with my married name. This action was taken because the option to receive the funds on our debit card without having a Chime account was not working as advertised by Chime. The only other option was to create an account. A text message was received saying that funds was sent however when clicking the green button to get the funds it read expired have your friend resend the funds. We aren't able to use the Chime with the company because as like with XXXXXXXX XXXX the card does not work. 

I called Chime was accused of not being myself was asked to email my birth certificate, marriage certificate and birth certificate to prove my name to have the funds released by another department. I explained the need for the funds and my long name. I asked XXXX different agents in XXXX hrs to please send funds to my personal bank that was linked to my account. I was told that there was no account for me and funds were sent back to the original sender. That is not true. On XX/XX/XXXX the original sender to me called Chime to try to get the funds back and the request was denied. I was told to wait on an escalation team to email me. In every email agents email me the same thing as if there hasn't been several emails sent with more info than requested. Chime has not released the funds and will not discuss me getting the funds back. Chime told me that they do not have the {$250.00}, that it is on the XXXX account. But funds were never sent to the account. Chime with no warning no discussion made assumptions and closed both accounts yet a supervisor told me to access the account in the app to get the funds, I can't complain because I did this not them. He asked questions about my husband. Told me to get the money from him. 

We need to use the funds for our water due to be disconnected on XX/XX/XXXX. I've explained this to Chime. I emailed Chime my driver 's license, marriage license, birth certificate, award letter from Social security, water bill showing that water is due to be disconnected without the funds. Explained that I need water for my XXXX XXXX XXXX XXXX. I asked if my medical documentation was needed to prove I actually use these XXXX There has been response to my questions only a repeat of account closed or there is no account with my email address or name. 

I just want my money. I'm not interested in using Chime anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-02 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus can not verify 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus can not verify 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: IL

Complaint narrative:
Someone out of the people that Omni picked to repossess the car disabled the car. I can not get the car from the tow company because I don't have the title. Toyota South Eastern Finance and Omni have to provide it to the tow company because I have not paid the car off thus far. As a XXXX  this is so unfortunate that I am paying for other people 's negligence and errors for telling me erroneous information and directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX I went into Chase Bank in XXXX TN. There I used the inside ATM machine to deposit some money, but in the process of taking all the money I inserted which was about {$670.00}, the machine crashes and states its temporarily unavailable. I received no receipt and no deposit. I went and got a banker to assist me and she stated that it was nothing they could do, a tech would have to come out and fix the machine. The banker also assist me in getting a credit to my account until the machine was investigated. I was told once they came out either the money would be deposit or they would call me. A month later XX/XX/2024 my account was debit {$540.00}. I called and ask why the claims department stated that my claim was denied and they only saw where I deposit XXXX. I asked for a second audit of this situation and for them to look at cameras because I know what I put in that machine and its crazy the money is all of sudden not there after the people came to fix the machine. Im at the point right now where I may need to get a lawyer because {$500.00} dollars is not little money to just let go and I know I deposit over {$600.00} into that machine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX called the collection company about the Amount of debt is {$180.00} I was left waiting for a long time then they hung up on me. 
I didn't know I owed anything I had no call or email or mail from XXXX The bill supposedly owed us from XXXX last year more than 4 months ago I don't know how this bill happened. 
I sm having to pay because it is too difficult too time consuming and hard to communicate with both companies XXXX XXXX XXXX  and collections TSI. 
I believe this problematic stalling on communication really be is a tactic to leave you with no choice but to pay instead of being able to talk to someone and explain it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a plaintiff in the Wells Fargo lawsuit over repossession and I have yet to receive my payment from the company. I was notified I was eligible but have yet to receive payment

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.

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 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
Hello. My name is XXXX XXXX, I'm from XXXX and I was defrauded by Trust Wallet, run by XXXX now, but they told me that this Trust Wallet is an independent company, although XXXX bought it. I was defrauded of approximately {$44000.00} in cryptocurrencies. 
I was approached by lawyer XXXX XXXX from the law firm XXXX XXXX XXXX XXXX, XXXX, who initially told me that they could help me recover the lost money at no cost. Now when they say that they have traced the money, they sent me a contract in which I have to pay the amount of XXXX dollars and an advance of XXXX dollars so that they can freeze the scammer 's accounts. 
Please tell me if the company XXXX XXXX XXXX XXXX, XXXX exists and if you can help me recover blocked money. I am attaching the contract and the other documents by which I was defrauded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX hard inquiries on my account on my credit report that was not approved by me someone tried using my information applying for credit cards this is fraud and I need to get this off my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Filed dispute to have old discover account deleted from my file with Equifax in XX/XX/XXXX. Original date of first major delinquency was XX/XX/XXXX. After my dispute, they changed my date of first major delinquency on this account to XX/XX/XXXX, which is not accurate. 

I have attached screen shots of the XXXX report and current for XXXX to show the incorrect reporting of the first major delinquency that was updated incorrectly after my dispute. There has been no activity on this account on my part in more than 7 years ( aside from a dispute for removal ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Response ( XX/XX/2024 XXXX PM ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one.

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that American Express complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies.

We hope this information has been helpful. 


Sincerely, XXXX XXXX American Express XXXX XXXX  Hello XXXX XXXX, It appears that I have one item ( XXXX credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Transworld system put wrongful, inaccurate unverified information on my credit report without ever verifying the information, without contacting me to let me know their may have been a debt, without sending any letters providing proof of a debt, without verification of address or phone number, without sending proof a debt exists or without getting a judgment through the court. They have officially committed a crime of slander, liable and defamation by not verifying the debt was mine. They are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Ignored my form of payment which was legally compliant a bill of exchange would not return or credit my account harassed me day and night dispute my cease in desist letter sending debt collection letters with there logo on envelope, collected my debt cancellation insurance 6 months into the contract lied and said it was reposed so I rescinded my sales contract with the dealer they denied me a copy of the contract because of the fraud I allowed 20 days for them to pick the car up and they did not so the car became my property 4 months later they continued harassing calling over n over and stole the vehicle from my private property which also was not registered and exported to my private estate causing an elimination of any said title leaving my master title to be the only one on the record now they will not return it even after I paid they are bullies and must be stopped they just finished XXXX XXXX dollar wrongful tow settlement they dishonor my bill of exchange which discharges my debt they need to learn that laws are in place and not to be broken

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Response ( XXXX XXXX XXXX  ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one. 

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that XXXX XXXX complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies.

We hope this information has been helpful. 


Sincerely, XXXX XXXX XXXX XXXX Executive Assistant  Hello XXXX XXXX, It appears that I have one item ( 1 credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.

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