vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I have been a victim of identity theft and these accounts was open fraudenlently in my name Bank XXXX XXXX accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX  Account # XXXX Routing # XXXX XXXX XXXX  accounts that are fraudulent : Account # XXXX Routing # XXXX XXXX XXXX  accounts that are Fraudulent : Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: LA

Complaint narrative:
There is a company called MAC with phone # XXXX calling saying that I owe a debt from XXXX with an XXXX Loans. I have never taken out a loan with any company by this name. Furthermore, they are giving this information without even verifying who I am. They ask name only and then give me the last XXXX of my social. They are referencing a company I haven't worked for since XXXX and saying I took out the loan when I worked for them but yet stating I took out the loan in XXXX. The message left is threatening. Hello this message is intended for ______________ if this is you please press XXXX _______ ___________ my name is XXXX XXXX calling with payment processing the reason for my call today is to verify the address we have on file as we are preparing documentation to file in your case we have now made several attempts to reach you via mail and also XXXX phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you we need to speak with you immediately today at XXXX again the phone number is XXXX so you can press one now thank you and good luck This was left on an initial call when no other calls have been made and no attempts in mailing me have been made. When I call, they hang up, yell at you, tell you you need to grow up and handle your debts, tell you to get over yourself, and specifically state they will continue to harass you if they want to even when told to stop calling. They are calling my family as well leaving threatening messages. This company needs to be stopped. The phone number they are calling from is a different number than they are asking to call. When I block the number, they start blocking their number and leaving the same robocall voicemail. The XXXX number is documented on XXXX by many people across the XXXX with the same actions being taken against them. Please take action. These people are trying to scam hard working Americans out of money.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-31 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/2022 I entered a promotional agreement with CitiBank to XXXX XXXX {$50000.00} and leave it in a saving account for 90 days and I would receive {$450.00}. I have honored the commitment and continue to call weekly- they have " filed a dispute '' internally several times but - I continue to be ghosted and have no resolution for months. This is not complicated and clearly a scam by CitiBank.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-31 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One closed several of my credit cards due to a return payment on just XXXX of my Capital One credit card, but they closed XXXX instead. I called Capital One and explained to them that XXXX  XXXX XXXX had problems with XXXX and my payments got returned. Capital One is XXXX of the owners of XXXX and could have easily checked my claim and kept my accounts open, but they chose to close my accounts after 20 years on onetime payments. I then filed a complaint with CFPB and got a generic response which is a unsatisfactory result. They did no investigation, nor did they try to contact XXXX  XXXX XXXX or XXXX to confirm my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Servicing paid the wrong property taxes for my property in XXXX of XXXX, accoding to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX  they returned the check as they noted it was for the wrong parcel and for the wrong amount. Rushmore never took any action to contact myself or the township to ensure the property taxes were paid. 

On XX/XX/XXXX I was notified that the taxes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was late and that it needed to be paid prior to XX/XX/XXXX or the house would go into a tax sale. 

I contacted Rushmore on XX/XX/XXXX they stated they would have it rectified in 10 business days. 

I contacted Rushmore tax dept ( XXXX ) again on XX/XX/XXXX they stated that I needed to check back the next week and it still hadn't been completed. 

I called Rushmore again on XX/XX/XXXX after seeing that the taxes were still not paid on my onilne account. The rep " escalated it '' and stated that it would be handled by XX/XX/XXXX. 

I caled Rushmore for the fouth time today on XX/XX/XXXX and the rep again in the tax department stated it was unpaid and that the taxes were still not paid. 


At this point my property is most likely going to a tax sale, due to a complete lack of execution for a company that has three jobs, collect my money, pay my insurance and pay my taxes. Furthermore, this should have been rectified in XXXX of XXXX when the tax check they sent was returned to them. 

Their info is included below for your records. 

XXXX XXXX Rushmore Loan Management Services LLCXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I have asked previously for one main financial to stop calling me repeatedly. They have called me a total of 11 times in the last 3 days. They called me 5 times back to back last night at XXXX in a harassing manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
The company said they would return my last {$35.00} fee but never did. The {$3.00} charge I complained about was changed from a minus to a plus after I complained to cover their XXXX. 
I closed the account in XXXX but they keep reopening it to charge me fees. Social Security assured me that my check would go to the new account but was put in the Citizen 's bank account so they grabbed all their bogus fees on a closed account. Then I erroneously wrote two checks when I grabbed the wrong checkbook and, once again they opened a closed account instead of letting the checks bounce and letting me deal with my mistake. Now there are more bogus fees on my account, I tried to stop payment on the second check and had to go through a whole lot of XXXX and more fees to stop payment on a CLOSED ACCOUNT. Can they really keep reopening this account? It's like the XXXX  coming back to life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not XXXX this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-31 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: SC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want your help to remove this XXXX  in my credit report because this is not okay and XXXX  should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase Bank, NA Check dated XX/XX/2022 for the amount of {$4200.00} made out to an individual and signed by myself was fraudulently cashed by someone else. Chase bank apparently lacks the security needed to prevent checks from being cashed by just about anyone. The check was not altered in anyway. The payor name was not altered. Someone cashed this check and it wasn't the payor. All the transactional information is available, yet 3 months later and multiple inquires, Chase has not tracked down the funds nor have I been reimbursed for the fraud Chase bank is responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not grant this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: DE

Complaint narrative:
According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not grant this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/23 purchased groceries from XXXX for XXXX. 
XX/XX/23 XXXX was grocery total once picked up because they didn't have our creamer. Spoke with XXXX at XXXX on XX/XX/23 and she confirmed the XXXX was released back to our account on XX/XX/23. Chime took out the XXXX on XX/XX/23 eventhough the XXXX was already paid and released putting our account in the negative. Case XXXX XXXXXXXX through XXXX XXXX. Called them on XX/XX/23 and spoke with XXXX and she confirmed refund was processed as well. 
XX/XX/23 paid XXXX deposit to XXXX XXXX for hotel room. Spoke with XXXX at XXXX XXXX on XX/XX/23 and she confirmed the XXXX was voided and released back to our account on XX/XX/23. 
Spoke with 11 different reps at Chime on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 all confirming the money will be released in 3 to 5 days and nothing. Reps kept telling us not to worry and the funds will be back in the account as soon as the merchants release the funds, which was on XX/XX/23 and XX/XX/23 as previously mentioned. 
XX/XX/23 we closed both of our accounts. Spoke with XXXX XXXX through Chime 's support chat and closed my account and spoke with XXXX at Chime on the same day and closed my husband 's account. 

It was hard to understand names of the Chime reps because they all had strong foreign accents, but the names sounded like XXXX, XXXX, and XXXX. We were put on hold numerous times and they kept telling us the merchant has not released the funds. None of the reps or managers seemed to know what they were doing. We went to bed with a positive balance on XX/XX/23 and woke up to a huge negative balance because Chime took out the funds again after they were both released by the merchants and refused to refund the money and admit their mistakes.

Company response to consumer: Closed with explanation