vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 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: TX

Complaint narrative:
On XX/XX/XXXX there were 3 transactions in my bank account. On XX/XX/XXXX. I contacted the bank they started a dispute and refunded my money. Then in XX/XX/XXXX Chime bank said they contacted this " merchant '' and that they confirmed the charges so they took the funds back out. {$330.00} was deducted for 3 transactions that I did not authorize since XX/XX/XXXX I have called everyday to ask for the merchant information because there is none that I can find and they will not work with me to give me the information in have submitted 18 disputes with tons of documentation and they will not respond. A total of 34 emails have been sent and no response only to spay it was a justified transaction. On my bank statement these 3 merchants are not even in English and there is no information for them. The email listed is fake. I have the documents from spoof @ gmail and from spoof @ XXXX stating these are fake websites. I have submitted the documents from the United States Post Office saying no packages were delivered to my home address within the past 90 days. Also the tracking number they verified it to belong to different home address and different person. XXXX also sent the documents stating a different card was used with my name being fraud. I contacted XXXX  XXXX  and TransUnion and there are about 18 internet applications with mixed my information with some elses. So a freeze has been put on my Credit and a fraud alert has been set up. Apparently my accounts have been hacked and I did not even now it was this serious until I tried to remove these charges. The same 300 merchants tried to access my XXXX, Chime, and XXXX accounts. I need help to resolve this issue for the bank refuses to even look at all the documentation I have provided by responding only that they contacted the merchant but I don't understand how if all the paperwork I have shows them to be fake websites and people. 
XX/XX/XXXX {$110.00} XX/XX/XXXX. {$110.00} XX/XX/XXXX. {$110.00} Refunded on XX/XX/XXXX Then deducted again on XX/XX/XXXX ... XXXX {$330.00} I have all the documents for thiese XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from HUNTER WARFIELD XX/XX/2021 in the amount of {$3100.00}. First and foremost, I have confirmed that the debt collector, HUNTER WARFIELD is not licensed in the state of Louisiana to collect on this debt. Secondly, HUNTER WARFIELD, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to HUNTER WARFIELD? I have never heard of them, have no written contract with them and have never received any benefits from them, yet HUNTER WARFIELD has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$3100.00}.

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 explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.

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 2021-07-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a personal loan in Citibank on XX/XX/2021. A few days later Citibank told me they couldn't approve my loan because I have an active fraud alert in XXXX report, so I need to call them and have them remove the fraud alert. I called the XXXX and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called Citibank back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back XXXX and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back Citibank again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither Citibank nor XXXX were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional Citibank inquiries to be removed from my XXXX  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 2021-07-04 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 ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Around XX/XX/XXXX my identity was stolen and someone purchased a vehicle from XXXX XXXX in XXXX, Kentucky. {$1200.00} was stolen from my account from XXXX XXXX and applied towards the down payment. Upon disputing the {$1200.00} taken by XXXX XXXX with XXXX XXXX. I was issued a credit in the amount of {$1200.00} because the investigation proved that I did not make this purchase. I have attempted several times to resolve this issue with XXXX XXXX and every time XXXX told to contact Credit Acceptance the auto Finance company. After several attempts and a year later I have not been capable of resolving the issue. Credit Acceptance stated they investigated my claim and that it was myself that purchased a XXXX XXXX XXXX for {$18000.00}. They have not presented me with any documentation to show that I bought a vehicle and they refuse to remove this account from my credit bureaus. I am exhausted with trying to resolve this issue and I would like to know what I should do to get this account removed from my credit bureaus. If I need to retain a lawyer and file a lawsuit against Ideal Auto and Credit Acceptance I will do that but I would prefer to know if thats my only option.

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 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have access to the three reporting agencies : Experian, XXXX and XXXX. 
Of the three, Both XXXX  and XXXX have me with a score of XXXX! 
That is a very respectable score. 
When I go to my Experian site it keeps telling me they can not show my score yet because I don't have one! 
This is hurting my overall credit and my abilty to obtain new credit cards and accounts, which I can use to improve my overall credit. 
I am told by all three that I need more accounts and age of accounts to improve my score. I need a couple more decent unsecured credit cards but can't get them because Experian will not put my score on the site and most creditors use Experian. 
They have in a round about way, offered me a score if I pay them a monthly fee. This is XXXX! 
I have enclosed snapshots of my XXXX  and XXXX  score as well as what Experian shows to any creditor that is looking at Experian for my credit! 
My credit history though short is PERFECT! Perfect..No derogatories ... .etc. 
This is why President Biden wants to take this Power away from them and place it in your responsible hands .... 
It is like Myself and people like me are being held hostage! They want money to show my score! This should not be tolerated not allowed! 

IT IS VERY INTERESTING TO NOTE THE FOLLOWING. 
EVERY SINGLE TIME I LOG INTO MY EXPERIAN ACCOUNT THEY FORCE ME TO CLICK TWO TIMES TO GET TO THE SITE. 
WHY? BECASE AFTER THE LOG ON ATTEMPT THEY PUT ME ON A PAGE OFFERING TO UPGRADE ME AND HERE IS A CUT AND PASTE OF PART OF THE OFFER. 
NOTICE THAT I AM OFFERED THE THREE FICO SCORES WHICH THEY WONT GIVE ME ON MY REGULAR FREE MEMBERSHIP AND TELL ME IT IS NOT AVAILABLE..BUT IF I PAY I CAN GET THE FICO SCORE FROM THEM ... ... 

THEN I HAVE TO CLICK ON THE " NO KEEP MY CURRENT MEMBERSHIP BUTTON AND AM THEN DIRECTED TO LOOK AT MY CREDIT AND MY ACCOUNTS AND THEIR STANDING. 

Upgrade your membership to include : Annual 3-Bureau FICO Scores* 3-Bureau Credit Monitoring and Alerts Daily FICO Scores Based on Experian Data Increase your FICO Score with Experian Boost FICO Score Tracker Experian CreditLock with Alerts Lost Wallet Assistance Credit Cards and Loans Matched for You XXXX  AND XXXX  OFFER MY SCORE FOR FREE ... .WHY IS EXPERIAN EXTORTING ME? 
THE THREE AGENCIES GET MY SCORE FROM THE SAME PLACE SO HOW CAN EXPERIAN SAY THAT MY SCORE IS NOT AVAILABLE? THEY ARE LYING TO GET ME TO PAY {$14.00} A MONTH FOR IT. 

PLEASE GET THEM TO PUT MY SCORE ON THE SITE SO THAT CREDITORS SEE IT WHEN THEY LOOK AT MY CREDIT.

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 2021-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This compliant is being filed in response to complaint # XXXX XXXX, XXXX, and XXXX. Each other the companies in this complaint has violated the 30-45 day investigation results rule. They responded on XX/XX/2021 that they needed more information such as full name, and full SSN. I provided them with both, redoing my first dispute letter to include my full name and SSN. I have not received an answer to the date of me sending out the new dispute letter. I Feel like I am being played all 3 bureaus are committing fraud against me, and giving me the run around now that i have caught it. If the problem isn't fix this I will have to take legal action, as is my right.

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 2021-07-04 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: GA

Complaint narrative:
This compliant is being filed in response to complaint # XXXX XXXX, XXXX, and XXXX. Each other the companies in this complaint has violated the 30-45 day investigation results rule. They responded on XX/XX/2021 that they needed more information such as full name, and full SSN. I provided them with both, redoing my first dispute letter to include my full name and SSN. I have not received an answer to the date of me sending out the new dispute letter. I Feel like I am being played all 3 bureaus are committing fraud against me, and giving me the run around now that i have caught it. If the problem isn't fix this I will have to take legal action, as is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent inquiries on my credit report attached is documentation

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 2021-07-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Fraudulent inquiries on my credit report attached is documentation

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 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a problem with equifax. In 2016, they had me listed as deceased on my credit report. I called and spoke with someone in 2016 and provided them with current bills in my name, copy of my current driver 's license and address. I did think it was resolved. The last four years I have been improving my credit score, slowly but surely. This past XXXX, after applying for a XXXX XXXX credit card, I was declined due to " one or more of the applicants are listed as deceased ''. I don't know what else to do or how to go about correcting this. Can you help and guide me as to what steps I need to do since nothing worked back in 2016. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 i had an emergency and needed funds from my account and chase just closed and the employee was at the door but wouldnt let me in. I needed cashiers checks for a lease signing so it was an emergency. They charged me {$69.00} on my debit card from pulling the money at another bank and refuse to reverse the fee. I called them twice and spoke to and they wouldnt reverse it and i was unaware of this fee as my account allows fee reversals on the first 4 non chase atm fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank who runs the credit cards for XXXX  XXXX XXXX is engaging in highly questionable credit practices. 

My wife and I opened a XXXX XXXX XXXX  account in XX/XX/XXXX, the initial credit line was {$3000.00}. Within 90 days, Synchrony lowered the credit limit on this account by {$500.00}. All of our payments were on time or paid early. When I asked the representative why it was lowered, I was told my wife and I were 'high risk creditors '. 

It is now XX/XX/XXXX, as my wife and I sit here watching tv I get an alert that one of my credit files was updated. I logged in to XXXX  and found out that Synchrony closed our account. Closed an account within 7 days of receiving a large payment. We didn't ask for this account to be closed, in fact we were paying the balance down to prepare for purchasing a house. And now this account is closed. We wouldn't close the account when we were told specifically not to by a mortgage broker. 

After looking online, it has come to my attention that Synchrony is doing this to people all across the country.

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 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a paid membership with Experian Credit Monitoring Service, I cancelled after 2 months of usage, I have requested that this company delete my debit card information out of their system to no avail. I have the Free Service now, I want my debit card info deleted

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 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX. No. XXXX XXXX Please reference the number above. This complaint is not resolved. The approved police number with Sac. Sheriff is XXXX. 

See attached statement I received. It does not list the transactions for the {$67.00}. Again, I did not apply for a XXXX, XXXX, and XXXX XXXX card. I never activated it. I never used it. When I called Comenity Bank, they were unprofessional and honestly a bit flustered. They said the card was used at XXXX 's XXXX Supplies and XXXX XXXX XXXX gas ). I have only been to XXXX 's XXXX  XXXX  ONE TIME and I used a different card there! I should not have to pay this balance! 

When the card arrived, I called Comenity Bank to report the fraud. I made a police report. I contacted the Attorney General who advised me to do CFPB complaint. 

This needs to be reopened for an investigation, it's ridiculous! This affects my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Please note this is an amendment to complaint XXXX. My complaint stems from the time starting XX/XX/2021 when I came in communication with Loancare about coming off of my forbearance plan. My request with XXXX was to understand if an adjustment in my current loan/interest rate XXXX 3.25 % XXXX more aligned with current would be possible. They said that they would review my loan and send me an offer within 30-45 days. Fast forward to XXXX and my loan has been transferred to a new servicer ( Shellpoint ) who says the only way to get a reduced interest rate is to refinance. 

I understand Shellpoint ( new loan servicer ) position. However this mean I will not be able to be under consideration for a refinance until XX/XX/2021 XXXX 3 months out of forbearance ) If XXXX had worked with me in earnest I would have been able to refinance as early as XX/XX/2021. 
A refinance will restart the clock on the amortization schedule which is something that I really dont want to do New Rez is owner of the loan so I dont really understand why things changed when the loan got transferred to a new servicer anyways and I'd like an explanation of this because I dont feel like I've been dealt with fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
In XXXX, I noticed my Escrow account was incorrect and my payment went up {$500.00} a month! 

I received a delinquent tax bill from the county I live in. My mortgage company paid my neighbors taxes instead of mine. ( Mine is $ XXXX they paid $ XXXX XXXX. 

I asked them to pay mine, they paid the incorrect amount yet again paying the amount the neighbors owe. ( They do not have the same mortgage company ). The mortgage company has yet to fix it and readjust our escrow. 

We are serviced through United Wholesale Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander reposed my car years ago, sold it at an auction told me how much they sold it for and still told me I have an over {$12000.00} balance. During my time with the vehicle I told them over and over the car was falling apart and my job was cutting back and that the car shouldn't be having any problems that soon anyways. So, eventually they came and got the car it was an overwhelming ordeal to deal with them and I'd rather not do that again. They've messed up my credit from a car I don't have and they took an resold ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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:
Inaccurate inquiries are on my credit report. Documents shows Fraudulent inquiries

Company response to consumer: Closed with explanation