vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I've been banking with CHIME FINANCIAL INC.. ( CEO XXXX XXXX XXXX Co-founder XXXX XXXX XXXX who is partners with XXXX XXXX XXXX XXXXXXXX since XXXX and never had an issue until now. on XX/XX/2023 through XX/XX/2023 there was a total of {$100.00} taken out of my account between 6 unauthorized transactions made in my checking 's account through the merchant XXXX XXXX. My debit card was in my possession that day and never gave anyone my card information. I always memorize my card pin, card number, expiration date, etc. I never write any of that information down. I called Chime Financial Inc that same day, on XX/XX/2023 to report those transactions as unauthorized and made a dispute due to the fact that I never owned an XXXX console and never created an XXXX account with my own personal information. I don't have any family members or anyone that I know that owns a XXXX. Chime Financial Inc. started an investigation and in the meantime were able to provide me with a credit of {$100.00}. Upon investigation being completed, Chime Financial Inc stated that there were no error that occurred and reversed the credit from my checking 's account on XX/XX/2023. I didn't realize they reversed the {$100.00} out of my checking 's account until this happened AGAIN and more unauthorized transactions were taken out of my checking 's account on XX/XX/2023 through XX/XX/2023 in the amount of XXXX between 5 unauthorized transactions. After going through my " bank '' statements, Again I called Chime Financial Inc to report unauthorized transactions from the SAME merchant XXXX XXXX and dispute those charges. While that investigation was ongoing, I had them reopen the first dispute I made for the {$100.00} because even though they claim to not have found any error occurred, I know for certain that I did not make those transactions. I had them reopen the first investigation at least six or seven times with supporting documentation showing proof that the charges were indeed fraudulent, I even reached out to XXXX XXXX and they were able to send me a email stating that the charges are fraudulent, and each time Chime financial Inc would deny my case and told me that there was nothing they can do and that they do not issue refunds even though they are FDIC insured which I will be reporting to them, as well as a police report and getting in contact with a lawyer, I shouldn't have to fight this hard but I will take legal action if needed and sue XXXX XXXX and XXXX XXXX. All I want is my money back in the total amount of {$330.00}. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have been a XXXX XXXX XXXX' member with Amazon for a number of years and applied and received an Amazon CC through Synchrony bank. I have noticed that when I have used the Amazon CC to pay for a product and subsequently returned that item to Amazon and requested that my original payment form be credited, that instead of crediting the Synchrony CC account, Amazon instead issues a credit that can be applied to future purchases. 

While they do honor this credit, until I do use the credit for a purchase, I have essentially given Amazon ( a multi-national, multi-billion dollar company ) a de facto interest free loan. Not only that, if I carry a balance from month to month, I would have been paying interest on a loan that I was forced to give to a multi-billion dollar corporation. 

While I have filed a singular complaint, there are probably millions of people that experience the same without giving it a second thought. I would think that this type of transaction is unethical and I can not think of a scenario where it would be legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO took over Bank of the West. In XXXX I set up for auto pay for the XXXX payment. BMO did the test. 3 deposits into my account and 3 withdrawals. XX/XX/XXXX I get an email stating they have received my external funds transfer request. XX/XX/XXXX I get an email stating the external funds transfer is in progress. XX/XX/XXXX I get an email stating that as of XX/XX/XXXX the funds have been credited to my account. 

Before BMO we were having the money deposited into Bank of the West from our other bank and then the loan was paid. On XX/XX/, we got a notice saying there was insufficient funds to pay the loan. At that time we told BMO not to take money out of that account anymore. We got an insufficient funds notice dated XXXX  the same day that BMO said my funds had been credited to my account. 

I called BMO on XX/XX/XXXX and it's a debt collection. No one to look to tell me where my payment for XXXX was. They kept asking me questions do you plan to keep the property, when do you get paid, etc. I kept telling them I paid and where is my money that you took. On XX/XX/XXXX I had to send proof of payment showing that they took the money out of my bank account and no one has been able to tell me where it is. 

On XX/XX/XXXX I get an email saying my funds transfer will start in 3 business days. ON XX/XX/XXXX I get an email stating my funds transfer has been scheduled. On XX/XX/XXXX I get an email stating my funds transfer is in progress. 

Today, XX/XX/XXXX I get a pink letter dated XX/XX/XXXX reminding me my XXXX payment is past due and this could be an attempt to collect a debt. 

I can not get any person at BMO to tell me where my payment for XXXX is. When we check our statement on line, it still shows our mortgage is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I had been in the hospital since XX/XX/2023 until XX/XX/2023. I had been recovering from bronchitis. When getting out of the hospital I noticed the amount of {$14000.00} being taken from my reserve account on XX/XX/2023. I also notice the amount of {$2900.00} being taken from my reserve account on XX/XX/2023. 

When talking to the fraud XXXX for PNC, I mentioned that it could have been my brother or someone close to me. On XX/XX/2023, they showed photo evidence of the transaction. It was my brother using my debit card and taking my identity. I filed a police report on the person using my identity. PNC is not listening to me and withholding {$16000.00}. I should be FDIC assured if my funds were taken by fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX Trans Union dropped my credit score by XXXX because a closed mortgage account account with XXXX XXXX XXXX was removed from my Credit File. This account was paid in full & closed in good standard in 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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
I have been baking at Simmons Bank for 10 years and today I got a letter they where closing my account and giving me 10 days to get the money and go eles where. All this started when I made a complaint that multiple staff members felt mistreated by the XXXX XXXX at the location XXXX XXXX XXXX. # XXXX. She refused to cash checks and was just very aggressive simple things and rude to me when I ask for bank statements. XXXX staff member was so upset how she was treated because XXXX refused to let the teller cash a check because of a last name that was different on her SSN verses her ID which is very understandable. So I went up there asked XXXX what name does she prefer and She stated it I corrected it no big deal. XXXX was very aggressive towards the staff member in front of me. I felt like I had to Calm her down. Then same girl goes back in to cash her check same thing the receptionist takes it away from check out counter with her ID away from the Same staff member goes to XXXX XXXX again says she needs approval this time the staff member is filming the whole thing and brings to me I am mortified by what I see same aggressive behavior they threaten this girl with police for filming but she felt uncomfrontable of her ID being tooken into a different room she felt discrimination. XXXX XXXX the XXXX over XXXX gets involved says please send the video we don't tolerate this he watches it and then cancels my account. I am shocked to read this letter. He also tells me all of your staff and you don't go back to the XXXX branch and you don't know all the story these girls are not telling you everything. Well I told him I walked in stood at check out reception clear XXXX minutes they are laughing and the receptioninst goes to Karens XXXX never greeted us we just stood there me and my Mother that also works for me so I go threw the drive through and make a complaint I couldn't get anyone to service us I was upset so I called XXXX XXXX and he told me go to another branch I told him why do we have to go to another branch we have not done anything we have recieved poor customer service why are you overlooking this. Then by suprise my account is getting forced closed. I am hiring a Banking attonery they said do this now to start this. This isn't fair and I shouldn't have a account closed all my bills and credit card system is through this bank. I feel like someone thats over the branch over XXXX XXXX can see This is poor management. I want to do everything I can to make this right. This is miserable I have so much going in and out of the account I can go to a different branch XXXX XXXX is closing it forced and its my money and it also says i will get a money order through mail theres over XXXX in that account. This is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
On my credit report there is an auto loan from XXXX XXXX that I no longer have a vehicle in my possession from XXXX  also I am being called by United Credit Bureau collection daily for collection that I do not owe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was alerted that Chase made an inquiry to my credit report. they will not tell me who initiated the report and for what purpose. Someone changed my phone number in their system. Then I was signed up for Chase 's Credit Journey Identity monitoring system, and a credit report was run. 

Over the phone with XXXX, they said that it looks like the identity thief may have attempted to apply for a credit card in my name. Chase gave me NO information. Chase said said " this is nothing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Mortgage was filed bankruptcy on more than XXXX years ago. While purchasing new home I lost the financing because it was found that the mortgage that was discharged in bankruptcy was still active. I need resolution and my name removed from this mortgage. I have lost money at this point when this should have been resolved over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked Experian, on XXXX  to conduct an independent investigation for inaccuracy in reference to XXXX XXXX XXXX XXXX XXXX XXXX The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. Experian informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion. 

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I had a loan from XXXX. I paid them in full. My check from work gets garnished and they wont send me a reimbursement. XXXX is blaming The Department of Education. The Department of Education is blaming XXXX. Nothing is being solved. Im getting the run around by both companies. And nobody wants to point me in the direction to get help or a reimbursement. My wage was garnished {$470.00} and I feel its unfair to me because i paid my loans off in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I looked at my credit report and saw this company claiming that I owe them a debt. I contacted through their website, requesting documentation that said I agreed to pay them anything, and proof of them being the Original Creditor. Over 60 days have passed and I have not been contacted by anyone nor have I received any Document that I requested. I also asked that they removed their information from my credit report immediately. Also they have incorrect information about my home address. 

LVNV FUNDING LLC Reported on my credit report that I owed them XXXX XXXX Balance updated XXXX XXXX XXXX 
Contact info Name : LVNV FUNDING LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CA

Complaint narrative:
In XXXX of 2023, XXXX started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my XXXX ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, XXXX grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act Cap One Na, Capitol One XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XXXX  I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. 2. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. The representative XXXX in the fraud department of Midland Credit Management told me that he will mail me the letter to let me know what documentations that I need to provided. On XXXX I received the letter, and I faxed them back the identity fraud as they requested.

Company response to consumer: Closed with non-monetary relief