vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XX/XX/2023 someone hacked into my online account with Chime bank. They changed my password and ATM PIN number then added my debit card to their XXXX XXXX account. Immediately after the changes were made, 17 fraudulent charges were made at 4 different XXXX stores and 1 XXXX  restaurant in another state. In total, {$2400.00} was stolen from my account. My checking account was overdrawn by {$130.00}. I became aware of the situation a few hours after it happened and called Chime immediately. My password was changed, my old cards were canceled and new cards were issued. I reviewed my account history and transactions with the agent and a dispute was submitted for the fraudulent charges. The next morning I contacted XXXX corporate office to discuss the situation. They provided me with a case number and told me a representative from each of the 4 stores my card was used at would contact me. A few hours later I had spoke with all 4 representatives. They informed me that there were other victims and an investigation had been started. I contacted the officer leading the investigation and gave him my information. I filed an official report and received a case #. Im still in contact with the officer and video footage of the transactions involving my card have been obtained. I intend to press criminal charges if an arrest is ever made. 
To date, I have filed 4 disputes for the fraudulent charges with Chime. 3 of the 4 disputes have been investigated and denied. The 4th is pending. Ive provided more than enough proof and documentation that the charges were unauthorized, fraudulent and that it was absolutely impossible for me to be involved yet my checking account remains overdrawn and my money hasnt been returned. Im struggling financially and have been unable to pay my bills because of this. I just want my money to be returned. I shouldnt have to go through all of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-21 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: MD

Complaint narrative:
A collection acount appeared on my credit report since XX/XX/XXXX showing that I owed balance from the XXXX XXXX an apartment I lived in XXXX. So I contacted the XXXX XXXX on XX/XX/XXXX and got their email reply showing that I don't owe them anything, there must be something wrong with the collection agency XXXX. I called XXXX on the same day and sent them my email correspondence with The XXXX XXXX and asked them to remove the account on my credit report. This account disappeared on my credit report after few weeks, so I thought it's finished. On XX/XX/XXXX, I got a call from XXXX again asking me to pay the account. I reiterated the story to that person again and sent them everything again through email on the same day, never get their reply. Until XX/XX/XXXX, I was applying a new apartment, this collection account appeared again on the tenant screening report from Experian RentBureau, and the application got declined due to this account. Now RentBureau asked me to provide a letter from XXXX showing that this account wasn't mine, but XXXX was saying that this account wasn't mine so they won't provide anything to me. Neither of them would like move forward for my case, but the account is still on the report and damaging my housing application!

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 2023-08-21 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:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 non-monetary relief
Consumer complaint received 2023-08-21 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:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arena Investors, LP
State: IN

Complaint narrative:
North Shore Agency or SRAXXXX, is in direct violation of FDPCA by attempting to contact a minor directly to recover a fraudulent debt claim. NSA provides an inoperable phone number in their " form letter '' that is designed to waste approximately 7 minutes of the consumers time before automatically hanging up on the caller, this makes it impossible to contact them directly ( multiple reviews on XXXX website can confirm consistent issues with company communication ). A XXXX nubmer for their associates SRAXXXX will get you in contact with the NSA director of opperations, XXXX. XXXX is a big fan of hanging up on people with legitimate concerns, so be prepared for that. XXXX claimed I didnt identify myself, then claimed I falsly identified myself, then refused to speak with me on the account they are attempting to collect from my XXXX yr old son, because they were to ignorant to spell my sons name fully or correctly. XXXX took it upon herself to change the address, refuse to verify the debt, refuse to cancel the debt, and refused to provide the name, address, and contact info for the original creditor... all further violations of FDPCA. XXXX XXXX actions orginate from illegal scams ( debt collecting from minors ), and perpetuate the problem through her dishonesty and shady practices. Whats worse is because of her actions there is some sort of claim for collections against my son ( or a horrible mispeleed variant of his name ) " out there '', and I have no way to settle, verify, or cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My deceased mother owned a house with Wells Fargo as the mortgage holder. As trustee, I sold the home and closed in early XXXXXXXX XXXX XXXX. The funds were wired to the Trust account and I was informed by the title company that there may be an additional escrow refund and that they would be sent through the title company to me to pass through the Trust for distribution. 

On XX/XX/XXXX, I received an escrow refund at my new, out of state mailing address. The check was made out incorrectly. After speaking with Wells Fargo XXXX XXXX, I was advised to try to cash the check but the amount was too large and the banks I visited would not cash it. 

I followed up with Wells Fargo and was directed to send a copy of the check and request a reissue to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent the email on XX/XX/2023. 

On XX/XX/2023, I received an extension letter asking for more time to respond. I immediately called and was told a case worker hadnt even been assigned. 

A few days later, I received a call in response to my " complaint ''. They needed to verify my address over the phone, although they had already mailed out several documents to my new address. The following week I received a check for the escrow refund made out to the trust.

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 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Ive been in my home 11 years. Never had a struggle paying my mortgage. Then life and COVID happened. So with that. I called my mortgage company ( PENNYMAC ) and asked for a forbearance and they denied it because Im not current. I felt like that was wrong because yes I know its a business, but I felt like they couldve worked with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The car was purchased in XXXX XXXX  from XXXX XXXX XXXX in XXXX. In XXXX i was no longer able to affordthe payments, i contacting them to turn over the vehicle. They came and got the vehicle and a few years later i recevied paper work that the vehicle had been sold in auction and they was request an additional amount of money for the balance. It has been about 14 or 15 years since i turned the car over and i am still reveiving lawsuits and threats or garnishment for an amount that i honestly dont think i owe. I work a XXXX job barely bringing in a {$100.00} weekly and they recently sent garnishment paper to ly job for 25 % of my weekly income

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 2023-08-21 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-21 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission 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. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: AL

Complaint narrative:
I reached out to Transunion on XX/XX/XXXX and again 45 days later. They are refusing to remove these inquiries from my credit report. I want them removed immediately.

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 2023-08-21 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: TN

Complaint narrative:
I was a victim of identity theft. My personal information was stolen from my car and my id was used to get loans and credit without my permission. This is identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2023-08-21 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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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

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 2023-08-21 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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance information is inaccurate and holds no merit and the total amount was not {$18000.00}. The owner and holder of the loan was XXXX XXXXXXXX XXXX XXXX. This Government Agency held my loan from XX/XX/XXXX to XX/XX/XXXX which is the payoff date. Selene Finance did not own or was the holder of the loan. Attached to this complaint is the legal document that is certified and notarized as evidence, XXXX XXXXXXXX XXXX XXXX, SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION AGREEMENT. Let me reiterate that this loan was owned by a Government Agency and was not held by Selene Finance. Therefore Selene Finance can not contest a legal dcoument that has been filed with the XXXX XXXX XXXX XXXX. In XXXX, Selene Finance did not have any authority to offer any modifications because legally Selene Finance did not own the loan and there was already a modification in place though XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: OK

Complaint narrative:
my account was compromised and multiple external banks withdrew almost XXXX  dollars from my account. Credit karma said that I was the one to take the money. They Keep proceeding to decline my dispute and me and my kids are suffering. i dont have a job and that was my college fund money. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
Violation of my rights. 
XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from Chase with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to XXXX and other credit reporting companies. Chase ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Violation to My Rights 15 USC 1681 ( a ) ( 4 ) Violation to the Rights to Privacy. 

To Whom it May Concern : I recently reviewed my credit report and notice that you are in Violation to My Rights 15 USC 1681 ( a ) ( 4 ) Violation to the rights to my privacy. No Written Permission to Furnish Information on my consumer report. This has caused me XXXX XXXX and complete embarrassment. Therefore, I demand this account be REMOVED from my credit report. 

1. You are in VIOLATION of the 15 U.S. Code 1692k- Civil liability. 
XXXX XXXX Bankruptcy Case Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 

Sincerely yours XXXX XXXX

Company response to consumer: Closed with non-monetary relief