vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OK

Complaint narrative:
I sent {$300.00} to a friend through the transfer service she couldn't get it. I did this in XXXX, tgey said after 14 days i would get my money back i never received it. I've had been messaging customers service they said not to worry. Being on Social Security is not easy to lose {$300.00}. Plus i had to pay that and ny regular payment tobthe same person the next month. I have since stopped using Chime Bank and transferred my direct deposit to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have written several letters via certified mail to TD Bank XXXX XXXX XXXX to the late payments on my credit reports. I have also contacted the credit bureaus and spoke to several customer service representatives in order to resolve the issue but they refused to help me in this matter and take further steps into my claim. I have several late payments being reported on my credit reports from the year XXXX when I fell ill and was unable to make timely payments due to hospitalizations. However, when I was able enough I continued to make on time payments and while I never requested it, the company increased my credit limit and never once thought of closing my account but they refused to reverse the late payments. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have an ARM  serviced by New Rez/Shellpoint Financing. 
For almost 2 years towards the end of the fixed period, I received monthly letters from New Rez telling me that my interest rate could never go higher than 3.125 % or lower than 2.25 %. I believed this information to be correct as I received it monthly for so long and decided against refinancing and locking in while rates were so low as I believed I was capped at 3.125  % and refinancing is costly. 
It then transpired that all the letters I had received were incorrect and should have in fact said that my rate could never go higher than 8.125 % ... .a 5 % difference from the information I was sent for 2  years and that I based a huge financial decision on. 
While I should have dug out my original contract to check the fine print, as a single Mom who was working multiple jobs at the time, I was extremely busy and based my decision on the endless letters I was receiving every month from New Rez  of which I still have copies. 
Despite the company admitting to their mistake, they tell me there is nothing that can be done and continue to try and charge me a rate way above 3.125 %. I have been disputing this since I discovered their mistake in XXXX, since when they won't apply my monthly payments that I have continued to make at the rate I had been paying, and are now threatening me with foreclosure as I won't pay a higher rate as it seems grossly unfair and a terrible way to treat customers. 
I work for a very large XXXX XXXX and would receive a conduct breach if I made a mistake like this and treated one of our bank 's customers in this manner. Instead I'm being bullied by a massive corporation who will increase their corporate earnings even more at the expense of a single mother just trying to get by. 
Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 XXXX 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However Jefferson Capital took it among themselves to feel as is they could just place inaccurate accounts on my report.

According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. XXXX allowed Jefferson Capital access to my consumer report without my permission, Jefferson Capital had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, Jefferson Capital could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. Jefferson Capital still has not responded to the last Complaint. With that being said I'm requesting that the documents Jefferson Capital presented to XXXX be mailed to me along with information XXXX gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have the BofA XXXX XXXX XXXX and I thought we shouldnt be charged withdrawal fees. How do I get it all back?

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 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
An unauthorized checking account was opened in my name with Bank of America without my permission or consent. I called the bank fraud department and even spoke with a fraud supervisor theyre unable to solve the issue. Im still receiving email regarding that and now received a bank statement in the mail. This is really frustrating and scary and shameful and fishy that Bank of America is unable to resolve this issue.

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 2023-05-27 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

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 2023-05-27 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX  Balance Owed : {$15000.00}.

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 2023-05-27 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: GA

Complaint narrative:
Ive disputed this item several times with no resolution. The company told me themselves that the account holders last XXXX digits of their social was XXXX. My last XXXX is XXXX. None of the identifying information matches my information but the name for this account XXXX and XXXX has deleted this account from my profile but Equifax will not! I also completed a XXXX  affidavit and sent it it several times which they also did not accept. I want this account that does not belong to me removed immediately its ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was reached out to via email regarding a job offer from a company by the name of XXXX XXXX XXXX. They were inquiring about me applying for a customer service representative position for the company. I followed the instructions given via email, and set up a XXXX XXXX  account, and was told to reach out to a gentleman by the name of XXXX XXXX. We were in communication about the job from XX/XX/2023 through XX/XX/2023. On Monday of XX/XX/XXXX I was sent a check issued by XXXX XXXX  for the amount of {$1200.00} which was meant to be used for all of the supplies that I would need for the job. I deposited the check online through my mobile banking app. The check said that it wasnt going to be processed until XX/XX/XXXX. XXXX had told me that the funds were to sent to the vendor so that, the vendor could then mail me the supplies. Since I communicated to him that the check was still processing, he had asked me if I had {$1200.00} so that I could send the money to the vendor. I did so because I was under the assumption that the check would be available in my account no later than XX/XX/XXXX, so my money would be reimbursed by the check that I had deposited. He gives me instructions to send money to a recipient by the name XXXX XXXX using the email provided ( XXXX ). And once I sent the money. Thats when communication started to shorten. I am afraid that my identity as well as my privacy may be threatened since he had also sent me a XXXX form to fill out. My address, social security as well as my email address were given out. I dont know what to do and I need help assuring me and my family are safe and that this doesnt happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: GA

Complaint narrative:
TransUnion LLC is reporting inaccuracies on 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 2023-05-27 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: TX

Complaint narrative:
I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have called the credit bureaus several times in regards to two late payments that are on my credit reports an to resolve the issue but they refused to help with my claim and look further into the matter. I have sent several letters via certified mail to Synchrony Financial Bank/Amazon including one to the CEO of the corporation. I have two late payments being reported on my credit reports from the year XXXX and XXXX due to illness. However, when I was able enough I continued to make on time payments but they refused to reverse the late payments. This is negatively affecting my credit score and I am currently planning to apply for a mortgage, and this come to my attention that the late payments on my records could hurt my ability to qualify. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.

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 2023-05-27 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: TX

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief