vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: MI

Complaint narrative:
On XX/XX/2023 I went too XXXX to pay my bills, I went to the Citizens ATM they have in their store to withdraw my funds {$300.00} Dollars because I can't pay with card I needed cash, I do admit getting distracted by a text on my phone during this transaction and in my defense I never knew about the security alert on the ATM I never had a issue with withdrawing funds but then again I never used this ATM before. When I went too grab my funds the ATM Retracted my {$300.00} Dollars back in the ATM, The CVS Cashier told me about the Security Alert time limit for every transaction done on the ATM, I asked for a Manager when the Manager came she told me to contact the ATM Merchant by phone because they couldn't do anything because that's not their ATM, When I contacted the Citizens ATM Merchant I provided him with a Terminal number XXXX so he was able to find the transaction on his side, when he returned to the phone he filed a claim for me XXXX then told me to contact my bank and file a Regulation E Claim, upon contacting my bank ( Chime ) I was told that I have too wait until the Transaction is no longer pending before I can file a claim, so I waited and still checked everyday on Chime too see when the pending would be dropped off and hoping that my funds would just return to my account and everything could be resolved but that didn't happen instead on XX/XX/2023 when checking my Chime account the pending indeed had dropped off but my funds did not return so I contacted Chime support Team and let them know of my situation and then the agent filed the claim XXXX and told me about the credit within 10 days if the investigation was not completed but I was denied within a couple of hours on the same day I filed the claim at this point I was confused and upset with Chime so I contacted the Chime Support Team back and the Agent filed a Rebuttal claim XXXX and then I contacted the ATM Merchant too see what happened on their end and they couldn't understand how I was denied and asked for the denial letter and the documentation that led to the decision on the denial of giving me my funds back and I sent over everything I had on my end but that was not the documentation on why I was denied so I contacted Chime Support Team again to retrieve these documents repeatedly on XXXX XXXX, XXXX XXXX, and XXXX XXXX and made a request for the documentation on the detailed decision that led to why I was denied and was told by the agents I spoke with that the indeed submitted these request to the Investigation team and I should receive an email of the detailed documentation on their decision to deny me my funds in a couple of hours and I never received these documents at all so now I am filing a claim with CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I opened a business in XX/XX/2023. I chose to I opened a business in XX/XX/2023. I chose to go with XXXX XXXX for my accounting program. XXXX XXXX uses we pay for their payment system to receive payments online for my customers. We ran into problems from the beginning they are now holding {$1100.00} of mine and wont return it. On XX/XX/XXXX XXXX with we pay confirmed the settlement of {$1100.00} was under a normal state of review will take one to three business days. XX/XX/XXXX XXXX with we pay no longer processed my funds and it would be put into reserve for 120 days. XXXX with we pay on XX/XX/XXXX could no longer give me any more information. I contacted fresh books XXXX the senior team lead inform me I just needed to file an appeal. I have not heard anything since I did contact them today XX/XX/2023 we pay, XXXX with pay said that they would send it to the correct department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: CA

Complaint narrative:
I did not open thesis accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not open thesis accounts

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 2023-12-23 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Recently checked my credit report and discovered hard inquiry that I did not authorize ( XX/XX/XXXX and XXXX XXXX  are the inquiry dates )

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( USC 91-508 ) I told the XXXX Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( USC 91-508 ) I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( USC 91-508 ) I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

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 2023-12-23 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: Lockhart, Morris & Montgomery Inc.
State: NY

Complaint narrative:
I sent a letter out on XX/XX/XXXX to LOCKAHART MORRIS & MONTGOMERY However they said the completed investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Yamaha Motor Finance Corporation USA
State: MS

Complaint narrative:
Recently reviewed my credit report and I did not authorize this company to check my credit. I have a hard inquiry that is causing my score to lower. ( Yamaha Motor Finance CO ) XX/XX/2022 is inquiry date. I have already filed a report with the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: IL

Complaint narrative:
Well early this year about XX/XX/2023, I've had approximately {$10000.00} in Charges. I had another card with 7 % interest, so I sent approximately {$7000.00} from that card to USBank in order to get my monthly payment down to a comfortable level that I could afford. My balance was only approximately {$2500.00} at the time. I was happy with that because my minimum payment due was {$40.00}. It went from about $ XXXX {$40.00}. So naturally I wasn't going to use my USBank card anymore because of the 28 % interest. In the last 3 months I only used this card very little in the last 3 months and then my card was shut off due to fraud is what they told me. The USBank customer service rep told me that in the past 3 months over {$14000.00} was charged to this card. That did not happen, and I have a feeling that the fraud is within the Bank itself. Just like the XXXX XXXX fiasco. They sent me the statements and I can not make heads or tails out of them. Because of this my credit score dropped from XXXX is what they told me. I really do think that this bank is corrupt. I mean what customer that makes an effort to pay down his interest rate is going to turn around and then charge {$14000.00} to that same account. Plus I pay all my other XXXX credit cards are on time including this one. I feel that I am trapped with these people and had a zoom conference for bankruptcy. I don't want to go that route. Please help!!!!!

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 2023-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: VA

Complaint narrative:
I received a notification from XXXX XXXX a new collection was added to my credit on XXXX XXXX. I have not open or applied for services with this company. I have also mailed the company, XXXX Assets Strategy, a debt validation letter, on XXXX XXXX. The debt has yet to be validated. I have informed Frontline Assets Strategy, I will sue if this is not removed from my credit as well. I have not received a notification from this company verifying my signature from an agreement form for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged on XX/XX/2023 for {$1500.00} from XXXX XXXX XXXX XXXX XXXX which was in error as it was unauthorized and I did not obtain insurance from them. 

I contacted Citi Cards over and over and opened a dispute. They say that I accepted the charge and closed the dispute which never happened. 

XXXX XXXX XXXX XXXX XXXX acknowledges that they owe me the money and that it will be credited back to my account. This has not happened.

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 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
After receiving my year end escrow letter and feeling it was way too high. I ran the numbers as per their letter and how it was calculated. Found it to be wrong. I sent them, SPS Select Portfolio , Inc a letter explaining my findings on XX/XX/2023. I then received an email that they have my letter. I have called several times asking for someone to go over the calculations with me and I am told it is not complete yet. However, they are going to want my large, wrong payment on XX/XX/XXXX. Need this recalculated quickly as I am XXXX, and the high payment will take away my food money. By law they can, only hold about XXXX. I could not upload their letter but I am sending you my letter in response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld system began in reporting on my credit XX/XX/23. I have never signed agreement form with this company Im not aware of who they are. I mailed a debt validation letter to this company, and they have yet to validate the debt. They were removed from my XXXX report back in XXXX or XXXX because they could not validate my debt. On XX/XX/XXXX I was made aware they were reporting on my credit XX/XX/XXXX of this year. I have not open any credit nor have I agreed to any new services with this company or any other company.

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 2023-12-23 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: CA

Complaint narrative:
The issue is with the account I have with XXXX XXXX XXXX for credit card ending in XXXX that I have paid XXXX XXXX XXXX the {$47.00} balance in full since XXXX XXXX XXXX  as pictured in my attachments showing both a payment conformation email from XXXX XXXX XXXX XXXX and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXX XXXX XXXX wrongfully and repeatedly reports that there is a due balance of {$47.00} still due. I have disputed this with the credit reporting bureaus several times and this unjust behavior of XXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, one of my credit scores droppped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.

Company response to consumer: Closed with non-monetary relief