vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: DailyPay, Inc
State: NV

Complaint narrative:
I STARTED A NEW JOB ON XX/XX/XXXX. IMMEDIATELY I WAS INUNDATED WITH EMAILS TO SIGN UP FOR PAYCHECK ADVANCES FROM DAILYPAY ( COMPANY NAME ). I DID NOT SIGN UP. ON XX/XX/XXXX I RECEIVED AN EMAIL THAT I HAD ADDED INFORMATION TO THE ACCOUNT. I CALLED DAILYPAY XX/XX/XXXX AND THE REP STATED SHE WAS OPENING A FRAUD TICKET. ON THURSDAY XX/XX/XXXX THAT I HAD ADDED A BANK & DEBIT CARD. I CALLED DAILYPAY XX/XX/XXXX AND THE REP ( MALE ) THAT ASSISTED STATED THAT THE PREVIOUS REP ON XX/XX/XXXX " MESSED UP '' AND DIDN'T " FREEZE '' MY ACCOUNT & THAT FUNDS HAD BEEN TRANSFERRED. SAID I'D SPEAK W/ THE FRAUD SPECIALIST XXXX XXXX SHE PROMISED THAT THE FRAUD CASE WAS OPEN & NO WITHDRAWLS/PAYMENTS WOULD PROCESS. ON XXXX MY PAYCHECK WAS ERRONEOUSLY DEPOSITED INTO THIS DAILYPAY ACCOUNT. NOW THEY HAVE MY ENTIRE PAYCHECK & ARE REFUSING TO RETURN IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Recently, I, XXXX XXXX, was denied an extension of credit by EnerBankUSA. On XX/XX/2021, I applied for a home improvement loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). EnerBankUSA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Asked for validation of account the account has been reported as charge off but still showing a balance which is in violation of the consumer law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-02 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-02 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
BSI slow walked my modification to the point where it took 1 year to complete. During this time frame they reported me to the credit bureau and more than 6 months behind, 180 days behind, 90 behind. You have the records that show I have paid every month. 

They also need to redo my Tax form which is a falsified document that does no have the correct amounts on it. I don't need the IRS on me as well and this org stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Viking Client Services stating that I owed a debt from XXXX XXXX. I followed up in a letter dated XX/XX/XXXX to Viking disputing that I owed debt and asserting the rights afforded to me under the FDCPA and FCRA. The letter was sent by Certified US Mail and receiving by Viking Client Services on XX/XX/XXXX. No communication was receiving by me from Viking Client Services supporting that the debt actually belongs to me. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX that Viking Client Services is attempting to collect the same debt. Viking Client Services did not send a validation notice and failed to respond to my certification letter sent on XX/XX/XXXX. Instead, Viking Client Services sent the aforementioned letter dated XX/XX/XXXX in attempt to collect the unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I switched local credit unions at the beginning of 2020. Because of this, the automatic payments I had setup were coming out of a different account. Before I could switch them, the payment I was behind on was reported to my credit bureau as a " late payment ''. The SAME week the " late payment '' was reported to the credit bureau, ALL student loans payments were deferred by the U.S. Government due to the COVID-19 pandemic. 

Because of this, I have NO late payments in my federal student loan account. On top of this, I NEVER received a physical letter, digital letter/notification in my XXXX  inbox or any notification about a late payment in my email or phone call! I have screenshots and records of never receiving a notification from them and 0 voicemails.

My biggest concern is the reported late payment when all student loans have been deferred and relieved due to the COVID-19 pandemic the SAME WEEK this was reported. 

This does not impact my credit worthiness or ability to repay my debts but XXXX records say otherwise. I would really appreciate someone looking into this and helping me fix 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 2022-02-02 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: Credit Plus Inc
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I had a Uber branded credit card issued by Barclays. In mid-XXXX, I was surprised to receive new credit cards in the mail with different account numbers and without the Uber brand. I immediately called customer service and was told that the arrangement with Uber ended on XX/XX/XXXX, and that these were my new cards. I asked why I had not received notice of the change and they told me that they had sent me a letter with an opt-out option and, since I did not reply, they signed me up for the new card. I immediately cancelled the new card because I did not want it. 

I have asked multiple times for a copy of that letter and have been told that they would mail it to me. I have never received it. They have refused to fax or e-mail it or send by registered mail. In the meantime, I used the card with the prior account number numerous times between XX/XX/XXXX and XX/XX/XXXX believing that I was doing so under the

Uber terms and conditions and the Uber reward program. But I have come to find out that Barclays just transferred my purchases from that account to the new non-Uber account. I never agreed to any of this and had no notice of the change. The consequences of this are that I lost existing Uber rewards and that I earned Barclay rewards points on the early XXXX purchases. When I asked for a credit for the value of my lost rewards, Barclays refused because my point value was below their minimum redemption. When I asked them to reverse the charges for my XXXX purchases, so that I could repurchase using a different card, they also refused. 

My concerns are : 1. They did not provide notice of this change ; 2. Even in the notice that they say they gave, they used an opt-out model ( rather than an opt-in model ) to get people enrolled in a card they did not want ; 3. They wrongly allowed charges after XX/XX/XXXX on an account that they closed and transferred them to an account for which I did not have the card and one in which I never agreed to the terms and conditions ; 4. They delayed sending the new cards for two weeks, which meant that I had no notice of the fact that I was effectively using a card that I did not know about and did not want ; 5. When notified about this, instead of working with me to compensate me for the value of my lost rewards, they basically told me to pound sand ; 6. They have repeatedly refused to send me a copy of the notices that they say they sent, but which I did not receive. Notably, they refuse to use any form of communication ( such as e-mail, fax, or registered mail ) where both parties would have a record of the communication.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I recently received funds from a family member through XXXXXXXX XXXX  of {$60.00}. I routinely instantly transfer the funds from my XXXX XXXX  to my PNC Bank account including a fee. Today XX/XX/2022 at XXXX, I transferred {$59.00} into my PNC account. But yet I never saw the funds reflect, I called both XXXX XXXX XXXX team and PNC customer service dept. XXXX XXXX team verified all transfer steps stating that the status is cleared which means the funds were sent. PNC Bank associates claimed it may have been a glitch on their end and that is not acceptable. I was paying for food a moment ago before my card declined for no funds. Now PNC is launching an investigation to locate the funds. This has never happen before being quite strange knowing that I transfer money to my PNC Bank account all the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't recieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-02 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NJ

Complaint narrative:
I noticed a account on my report I do not recognize

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 2022-02-02 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: NJ

Complaint narrative:
I noticed a account on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NJ

Complaint narrative:
I noticed a account on my report I do not recognize

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 2022-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WV

Complaint narrative:
I have had XXXX as a loan servicer for years. I work for the US Senate and my loans are now eligible for forgiveness. I started the process in XXXX. I was told it would take 90 for XXXX to transfer my loans to FedLoan for servicing and the transfer is still not complete. XXXX  has now turned their servicing over to XXXX which told me today the problem is on FedLoans side of the process. I keep getting the run around from FedLoans. Its not been over four months and Ive been on hold with FedLoans for two hours. Horrible customer service and an automated system that does not work. How have they not fixed this yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I created a chime account and deposited XXXX dollars into the account from my XXXX XXXX account not even 2 hours later I was signed out and could not log back in because my account was locked for security reasons I went through the email game that they okay sending in all documentation to verify my account but all they would respond with is that the documents cant be verified. After my 4th attempt they sent me an email saying they decided to end my supper key and I havent gotten any emails since and its been two weeks. I feel scammed and I just want my money back I dont even want the account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
ON XX/XX/2021 I submitted an application for a home refinance to Rocket Mortgage LLC. Adverse action was taken against me I received no benefit from this use of my social security card. I have been damaged by your refusal to grant my extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX XXXX XXXX/ XXXX / {$440.00} XXXX CARD / XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: DE

Complaint narrative:
Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. 

I received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. 

There are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. 
Chime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. 
Chime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. 
Chime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. 
Chime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. 
Chime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. 
Chime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. 
Chime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. 
.

Company response to consumer: Closed with explanation