vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/23 my Chime account was hacked. I began receiving thousands of texts nonstop, to prevent me from receiving notifications from my bank. I called chime support because my phone number, email and password to my account was changed during this period. They were able to change my account email, then I was hung up on. I called again to dispute the transactions and was told to call back in an hour because they were having server problems with my account. I called a third time and was told nothing could be resolved. I highly suspect that inside sources of chime stole my information/money. I have transactions being made from XXXX XXXX. I have a charge from XXXX of {$1500.00}, another from XXXX XXXX of {$40.00}, XXXX XXXX XXXX of {$42.00}. Please help and publish this so others are warned to avoid this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I sent a letter to Citibank asking them to answer my questions regarding alleged debt. I asked for DEBT VALIDATION that they did not provide. I asked for my original application, original agreement signed by both parties. I also asked for full disclosure as per TRUTH IN LENDING ACT to be made aware who is the true party of interest in the transaction. I also asked for the licensing documents proving registration at Secretary of State that proves that CITIBANK is allowed to collect on, issue or originate promissory notes. I stated that the alleged debt is in dispute and they still say that I owe without providing any documents.They provided one page with half of it being redacted. Their response was " we believe that the debt referenced whiting the subject line of this letter is valid ''. I don't accept believes. They closed my account even though I gave them valuable consideration as in my application with my signature on and they discriminated against me by denying my right to extension of credit. 
They also reported my private non public information to third parties without my written consent as per 15 USC 1681 ( b ). They are responsible as per the policy of 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 customer 's nonpublic personal information, as per 15 USC section 6801 ( a ).

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I really think they DNT look in to anything to fix the problem ... .. Long waiting periods on the phone just a hassle to resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MD

Complaint narrative:
My debit card was hacked with someone attempting multiple {$100.00}, then {$90.00}, then {$20.00}, then {$5.00} withdrawals on CashApp on XXXX. I didn't request a CashApp account. My credit union, XXXX XXXX, alerted me to the fraudulent activity. Today, XXXX, I received a XXXX XXXX from CashApp. I tried to call to talk to support, was told all advocated were busy and asked if I wanted a callback. I missed the callback and have been unsuccessful at reaching the company subsequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
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 explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX XXXX XXXX XXXX XX/XX/2023 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 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 2023-12-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX XXXX  all of a sudden, a company, Navient reported eight student loans ( 8 ) on my XXXX credit report that does not belong to me and totaling over {$40000.00}. I have never had an account with Navient. I have student loans, but never had loans with Navient, ever. I requested copies of documentation bearing my signature and my social security number. And Navient never validated this information belong to me. I recall in XXXX  these loans were ( 4 ) loans brought up in court case and was dropped. And was told by lawyer the information was insufficient. This would be " double jeopardy ''. I am requesting that this information be deleted from my credit file with XXXX. And collection attempts with Navient be stopped immediately. I dispute the accuracy, compliance and reportability of this information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Companies Involved 1. XXXX XXXX 2. XXXX 3. Experience 4. XXXX 5. XXXX 6XXXX XXXX XXXX XXXX XXXX XXXX reported my account as a charge off/ Collection of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the 3 credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current.

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and XXXX XXXX to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/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 2023-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
From the moment I tried making my first deposit received nothing but the run around. Came through to get {$500.00} out in the drive thru had to come inside. XXXX was XXXX people deep and decided to close account and withdraw my $ XXXX. Was told they didnt have enough cash to give me, and could do a cashiers check. Been waiting for over and hour and XXXX min to get it done. Provided license and a credit card along with phone with text message verified by bank. 

Have had nothing but problems. Holds on checks. Couldnt wire funds. No assistance at banks but at XXXX XXXX. Had to go inside the bank again to get my account unlocked. Had this account less than a month. 

Banks should not be able to hold your funds. This bank at XXXX XXXX XXXX XXXX, XXXX FL said they didnt have the funds to give me. Then how are they doing business? Why would I need to wait to get my money. This bank should be shut completely down. How many people are they taking advantage of?

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: TX

Complaint narrative:
Please refer all my complaints about Keybank : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX   XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  I had a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/XXXX  I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX that i need to call the bank. 
Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

Today I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account. Any reasonable person can understand that if the customer is not having any online access how come they can address these kind of issues - overdraft fees etc... Moreover Laurel Road Keybank is strictly online bank - so i can not go to some bank branch and do this work. 

I want my {$20.00} overdraft fees to be returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my Experian credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the XXXX bureaus such as the balance and the Date last active, and there's no close date listed. My account was closed in XX/XX/XXXX, so why is Experian reporting lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account has since been removed from XXXX and XXXX and Experian is expected to follow suit. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over XXXX XXXX XXXX. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from 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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Companies Involved XXXX. XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my account as a charge off/ Collection of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the 3 credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current. 

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX  charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and first premier to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my XXXX round of Debt validation and Experian continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX and my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data beach and Equifax has done nothing about it. Please help me delete these illegal accounts from my credit reports. 



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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I requested verification for account ( XXXX ) XXXX XXXX XXXX from Experian and never received any documentation verifying the account. This unverified account is damaging my creditworthiness and cause me to be denied access to 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 non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was sold to Mr. Cooper as of the XXXX of this XXXX. Mr. Cooper didn't have the loan set up until the XXXX. I have had nothing but problems from this company. I needed more information about paying on line with them because they push check paying by mail. I won't pay by mail. I had problems with this method before. It is easy to say that the check didn't get there on time and get those penalty funds build up. They also say they offer pay by phone and their website. Their website is a nightmare. It constantly has pop ups for new mortgages and loans which are full page ads. Yet when I try to do anything with my loan there is a banner on the left hand side of the screen blocking that side. I have tried every way to remove this banner and can't. I can't read what is behind it. I don't want to be auto pay, I don't want another loan or anything else I can't see they want me to agree on. I am not clicking on something I can't fully read on their website. I want to know about going paperless, what their provisions are for their grace period is and about their other procedures. The welcome letter I received from Mr Cooper to introduced themselves was only generalized .... don't worry we are a good company... nothing will change. I have tried numerous times to get a live chat but no one is ever available. The automated chat never knows what you are want and always winds up asking for you to enter your email and they will put you in line for a live chat agent. I have never dealt with a company that puts you in an email line to make contact with their customer services. This is substandard customer communication. I NEVER received any appointments in follow up email. I have tried going to their XXXX page but they have all commenting locked down. Messaging them on XXXX gets no reply. I have repeatedly called 3 different phone numbers given out by Mr Cooper, XXXX, XXXX, and their Executive Customer Service Team. All automated with limited selections to chose from. If you ask for customer service the automated system will say I understand you want customer service. The service then says it will take you there but it just takes you to it repeating another limited selection of choices. It always ends with them saying goodbye and hanging up on you. The Executive number is different because the automated system is a female voice that hangs up on you. I had no say and have no choice but to be stuck with derelict Mr. Cooper. I found out their whole system was attacked by ransomware a month ago. This also shows how much this company cares about it's consumers by not having protection. I would like to talk to a real customer service rep and be able to read the screen on there website. This company has shown nothing but unacceptable service to me. And I haven't made my first payment with Mr Cooper yet.

Company response to consumer: Closed with explanation