vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I received unsolicited e-mail addressing me by my first name from Chime Bank welcoming me to their bank and letting me know that I will be receiving a debit card from them. 

I did not open an account with Chime Bank, so I searched for a way to speak with someone from the bank to resolve the issue. Calling their ( XXXX ) XXXX number was a dead end, all it did was refer me to an e-mail XXXX XXXX XX/XX/XXXX, I e-mailed XXXX stating that a bank account had been fraudulently opened in my name. I requested the account be closed, and their fraud department alerted. I gave them my phone number for them to call me to resolve this issue. 

On XX/XX/XXXX, I received an e-mail from XXXX : " Thank you for providing that information and letting us know you did not open this account. We have launched an investigation into this matter. We have blocked the account, which will prevent the account from being accessed by an unauthorized party using your personal information in the future. 

In order to formally close this account, we ask that you please provide the following pieces of information to verify your identity. 

Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. 

For security purposes, please provide a photo of yourself holding your ID card We will not be able to close this account until your identity has been verified. 

Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG, XXXX XXXX Files or other document formats. ) Kind regards, ******* | Chime Support. 
Chime Member Services '' I do not feel I should have to send them a copy of my ID and a photo of me holding my ID card to close a fraudulently opened account, especially over unsecure e-mail. How do I know what this bank will do with this information? Up to this point, I don't know if they have my full name, address, etc. If I send this information over unsecure e-mail, it may be intercepted by criminals. 

On XX/XX/XXXX, I replied to the above e-mail : Hello *******, I do not want to send personal information ( government ID card ) unsecure over e-mail. Isn't there a phone number I can call to get this resolved? 

Regards, XXXX As of XX/XX/XXXX, I have not received any reply to the above. 

There should be a way to close the account without having to potentially expose my personal information to criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter disputing incorrect and inaccurate items on my credit report. To this day over 60 days later I have not received a response, I feel like Im being taken advantage of and being ignored of my disputes. It has been over 60 days so they should be deleted immediately. My information was also impacted by the XXXX  data breach, my information could have been obtained illegally.

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 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXXXXXX XXXX VA XXXX Re : Used Auto Loan number XXXX XXXX XXXX XXXX XXXX VIN Last Four : XXXX To Whom It May Concern, The present is to file an official complaint to Pentagon Federal Credit Union and to request an immediate removal of the CPI ADD {$1900.00} to my loan balance. 

On XX/XX/XXXX ; I called the PenFed call center and was advised the fee was added because I did not have auto insurance of the financed car listed above. I was also advised my monthly fee was increased from {$360.00} to {$480.00} per month. Not only was my loan balance increased but also my monthly payment. This is financial abuse and predatory lending practice.

First, I have always carried auto insurance on the financed vehicle. As you can see from Attachment 1 and Attachment 1A the cited vehicle was insured. 

Second, I was just advised of your insurance requirements. No more than {$2000.00} deductible and full insurance. The PenFed website does not cite such requirements. See : https : //www.penfed.org/auto/used-auto-loans and when I called to finalize the loan, none of the loan officers advised me of such requirements. Their only concern was to sell XXXX XXXX which I purchased from you. Please see Attachment 3 to verify my updated auto insurance policy. 

Third, I have set up automatic payments to this loan from XXXX XXXX XXXX XXXX for the amount of {$360.00} ONLY. Since the amount submitted for the XXXX payment was higher, XXXX XXXX automatically rejected the payment. 

I request that my demand be reviewed and my loan returned to the original which I agreed to. Please remove any return payment fees, late fees, CPI ADD fees and my loan amount needs to be revised to the original amount. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX XXXX Certified copy mailed to : XXXX XXXX XXXX XXXX XXXX Consumer Assistance Center XXXX XXXX XXXX, XXXX, VA XXXX CFPB Submitted online https : //www.consumerfinance.gov/complaint/

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 2021-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX has been incorrectly reporting payment history to TransUnion, XXXX, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, TransUnion, XXXX, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, TransUnion had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.

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 2021-01-14 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: IA

Complaint narrative:
XXXX has been incorrectly reporting payment history to XXXX, Equifax, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, Equifax, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a with XXXX - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
LakeView/LoanCare is servicing my current VA loan ( Loan No. XXXX ). I initiated a " streamline '' refi with Lakeview in XXXX XXXX. Completed required documentation and waited. After six weeks I contacted the person I first talked to ( XXXX XXXX ), who I assumed was handling the refi, he just referred me to another person ( XXXX XXXX ) as if he had no further involvement and didn't care. The person he referred me to assured me that the " final docs were expected that day '' ( XX/XX/XXXX ) and the anticipated closing date was XX/XX/XXXX. When that date past without word, I contacted XXXX XXXX again. He then informed me that he was waiting for XXXX to pay the XXXX XXXX property taxes and suggested I contact them to request they pay the taxes. I was stunned that this was coming up now. I managed to finally get XXXX on the phone, they informed me that LakeView had initiated a " netted payoff '' so the could/would not pay the property taxes with the " netted payoff ' in progress! This was my first indication that my XXXX taxes hadn't been paid, when I checked with XXXX County I discovered that I now owed not only overdue property taxes, but an additional penalty of {$390.00}. I've contacted, or attempted to contact Lakeview and XXXX numerous times. It's nearly impossible to get anyone on the phone, but even when I have, they just point fingers at each other! 
I don't feel it's my responsibility to pay this {$390.00} penalty. But after numerous attempts, phone calls and emails, all gone unanswered, I am still waiting for someone to help resolve this issue. My XX/XX/XXXX property taxes remain unpaid, and XX/XX/XXXX payment will soon be due! I find it totally unacceptable that they will not pay the taxes, and fail to respond to my many attempts to get them paid! 
My refinance? I have no idea where it stands!!! No one will contact me!

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 2021-01-14 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: SC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
First Interstate Bank is charging my account {$5.00} a month for a service fee. They are not supposed to do this when there is a direct deposit every month. I have contacted them twice and it was supposed to be fixed. Now again in XXXX a {$5.00} fee appears. I have sent letters to the bank and numerous agencies. Your agency has been contacted twice. My complaint # is XXXX. I talked to XXXX by phone and she said now she needs a picture ID, my E-Mail address, phone number, and she asked for my age before she can give me the results. She was courteous. I can not take phone calls on my home phone because it upsets a family member. I prefer to receive mail. The bank said the fee was deducted initially because of the deposit dates. The direct deposit is Social Security. Social Security is the most dependable deposit of funds that there is. If First Interest Bank is deducting funds from all their Social Security customers, they're making a lot of money from people who might not be able to babysit their bank accounts. CFPB needs to look further into this banks fraudulent practices. It's hard to log into an account when there is not a place to so. All the account features are for accounts that already have passwords.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunset Management, Inc
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I C System or XXXX XXXX appears as a collection agency on behalf of XXXX with a claim for a balance owed of {$5500.00}. I have never had a XXXX Account and I owe nothing to them. The claim was opened in XX/XX/2020, but I never had a XXXX Account ever.

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 2021-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After previous complaint on improper inquiry on my credit report, a new account has been opened.

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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
hi, I have made a wire transfer from chase bank on XX/XX/XXXX, which as per chase scheduled to be delivered on XX/XX/XXXX. However it never went through on XX/XX/XXXX. So I called chase customer care XXXX multiple time and was on call for more then 8-10 hours. But everyone was transferring me from one dept to another department. They direct me to Fraud department, wire research etc and everyone was telling me different reason for holding the wire. Incorrect information, In -internal review, in foreign exchange review etc. 
And I see email requesting for more information on XX/XX/XXXX asking XXXX address and name. I provided that in secure email of internet-banking site on XX/XX/XXXX. But again today they keep asking same piece of information. But no one called me. it all happened between XX/XX/XXXX till XX/XX/XXXX. 
In mean time they also say contact to branch it is faster way of escalation. So I contacted branch on XX/XX/XXXX. Branch manger XXXX was very hostile on helping me out. He think, I don't have any relationship with branch. He should not be pulled in between. After asking him multiple times for resolution. He suggested to cancel the wire. After cancelling chase refused to refund me the wire fee also, which they never did. 

Moreover the behavior and mental torchers, I have been in these day also the financial impact, I have faced due to this transfer they are refusing to compensate me on top of it the are charging the wire fees they never did for me.. I feel like this is an fraud activity and lack of responsibility and accountability from bank. 

I want to report to correct the behavior of bank and return my wire fees of {$25.00} and compensate me on the lack of due diligence on bank side. 

Below is wire details XX/XX/XXXX Submitted XXXX XXXX XXXX XXXX Wire to XXXX XXXX XXXX ( ... XXXX ) Wire from XXXX XXXX ( ... XXXX ) Amount {$3400.00} USD ( U.S. Dollar ) Wire fee {$25.00} USD ( U.S. Dollar ) Total {$3400.00} USD ( U.S. Dollar ) Wire date XX/XX/XXXX Status Submitted Status date XX/XX/XXXX Reference number Not applicable Transaction number XXXX Message to recipient XXXX XXXX XXXX XXXX XXXX NC XXXX Message to recipient bank XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: SC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a with XXXX  - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late

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