vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: NC

Complaint narrative:
I USED AN ATM ( XXXX XXXX ) AT XXXX IN XXXX NC FOR XXXX IT DIDNT GIVE ME MY CASH IT WAS OFF TRACK I CALLED MY BANK CHIME AS SOON AS THIS HAPPENDED THEY SAID THEY WOULD FILE A DISPUTE ONCE IT STOPPED PENDING I ALSO CONTACTED THE ATM COMPANY WHO SAID TO CALL BANK WHICH I ALREADY DID... SO CHIME FILED MY DISPUTE AND DENIED IT WITHIN 3 HOURS DOINF NO DUE DILGENCE OF CALLING THE ATM COMPANY, TO CONFIRM THAT IT WAS INDEED BROKE AND OR TO CONFIRM THAT THE ATM WAS OVER IN THAT AMOUNT, CALLED BACK TO CHIME TO AGAIN OPEN ANOTHER CLAIM ABOUT THE SAME ISSUE SAID THEY WOULD SEND IT HIGHER UP THE CHAIN ONLY TO GET ANOTHER DENIED RESPONSE WITHIN AN HOUR... I HAVE BEEN WITH THEM OVER 9 YEARS NEVER HAD TO COMPLAIN ABOUT NOTHING AND THE ONE TIME LIKE THIS HAPPENS I GET NO HELP NOR RFESEARCH TO CONFIRM THAT I DID NOT GET MY MONEY SO UNFAIR AND RIGHT HERE AT THE HOLIDAY I DON HAVE XXXX TO THROW AWAY LIKE THAT WHEN I DIDNT EVEN GET IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I noticed a hard inquiry on my credit report made by capital one on XX/XX/XXXX. I did not open or attempt to open a line of credit with them or open an account. This was not me and was fraud or a mistake. I called capital one and they did not find an account with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NE

Complaint narrative:
I my original student loan balance was {$16000.00}, all principal, NO INTEREST. I had paid all of my interest during the pandemic payment pause & paid off thousands of my loan balance. 

I am under the SAVE repayment plan and have been paying {$58.00} / month since the pause ended. No further interest is supposed to accrue under my loan under this plan since I am making my full monthly payment.

My balance has increased by {$82.00} since the loan payment pause ended, even though I have been making payments.

I have tried to call the company & the phone line goes silent after I enter my social security number to get help.

There is no email available on their website. The link is broken. 

I tried to chat with an online agent & the chat would not go through.

There has been NO WAY to contact them & this is ridiculous. How do they expect me to give them my money if they arent responsive at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly see the attached documents. I am urging the bureau to commence an investigation into these accounts, as I am never late, yet they incorrectly reflect late payments.

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 2023-12-22 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: MT

Complaint narrative:
During my bankruptcy my balloon payment came due and my lawyer for my bankruptcy shut his firm down without telling me, so I had no info on what to do or how to take care of the loan. During bankruptcy my loan company would not talk with me about the loan so now that I have finished my bankruptcy they want full payment and wont do anything to help me to keep my home. I have asked for a loan modification or anything they can do to help and all I get is that I need to pay in full or short sale, I have no problem paying the loan payments if they would just work with me. XX/XX/XXXX they want to start foreclosure loan due date was XX/XX/XXXX. The amount is {$39000.00} I had to pay off my bankruptcy in the amount of {$45000.00} is why I did have any extra money after to pay the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: DApps Platform, Inc.
State: FL

Complaint narrative:
Basically I used Trust for a few months, I had some security issues lately it seems. Looks like someone at TRUST is micromanaging account assets and mismanaging them. I have documents showing TRUST Wallet is ultimately responsible for wallet maintenance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a fraudulent check then realized it was fake. i disputed the transaction on my account, went to a chase bank branch and they said they couldnt do anything. i called customer service and the fraud department and once again was told they cant do anything. i am in the negatives of over XXXX dollars despite not using the check and taking every necessary step to keep the transaction from actually going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX, I opened a checking account, a Savings account at the same time. The bank said if I set up direct deposit within XXXX  days of coupon enrollment, I would receive {$900.00} bonus. ( See photo XXXX ) .When I opened my checking account, the bank staff XXXX XXXX XXXX said he can help me to set up the deposit ( see photo2 ). He did not say I need to follow up or I need to check anything. I waited and waited till early of XXXX, I still didnt find the bonus deposited in my account. I went to the bank, XXXX then told me the set up process failed and I need to set up myself. I said XXXX months almost passed, will I still get my bonus, he said the bank will still give me the Bonus. ( Another bank staff, his supervisor named like XXXX was onsite and she also said that ). I hurried up and set up direct deposit. On XX/XX/XXXX, the first direct deposit amount showed in my checking account. I went to the bank and talked with XXXX, very unexpected for me, he said my direct deposit wasnt set up within XXXX days of coupon enrollment. I went to the bank several times, tried to explain the situation with Another bank staff XXXX XXXX XXXX and last talk with the bank manager, all of them said because my direct deposit set up was over XXXX  days of coupon enrollment, I couldnt get the {$700.00} Bonus. Please tell me, is the bank decision fair to customers like me? 

( Photo XXXX ) ( Photo XXXX, the bank set up direct deposit for me! )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
Account showed up on my XXXX XXXX have reached out exactly 120 days ago. 

Nothing back from them to confirm or let me know what the debt is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
I went to the deb collectors website ( Associated Credit Services , Inc. ) XXXX XXXX XXXX XXXX, MA. to let them know that this debt was my fathers, who is XXXX. They then sent a follow-up letter attempting to collect the Debt, dated XX/XX/XXXX. I sent another message to them on their website as follows : RE : XXXX XXXX XXXX  Account # : XXXX Our Account # : XXXX XX/XX/XXXX in response to notice sent XX/XX/XXXX CC : XXXX CC : Consumer Finance Protection Bureau This debt is associated with my father who is XXXX  ( same name ). Please halt attempts to collect this debt. My year of birth is XXXX. 

This is the second notice I have sent you. According to FTC, you were to provide proof that this is my debt which you have not done. I will be filing a complaint now with the CFPB. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
On XX/XX/2023 I have sent a letter to dispute a late payment on XXXX of my accounts as the information is inaccurate or unverifiable. Pursuant FCRA 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) the law states that the transactions and experiences are excluded from consumer report. The only time late payment can be reported is when ( FCRA ) 15 U.S.C 1666b ( a ) is met.

Besides that Experian failed to provide proof that creditor sent me a proof of delivery of the information required by law under ( FCRA ) 15 U.S.C 1666b ( a ) 21 days before the due date also failed to respond to my dispute within 30 days.

Experian is in violation of ( FCRA ) 15 U.S.C 1681 and after a dispute letter sent by be now in violation of ( FCRA ) 15 U.S.C 1681n as well.

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-22 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: NC

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-22 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I contacted Newrez several times to get information on how to recast my mortgage as my former house closed and I wanted to apply the proceeds to this mortgage to lower my payments. I was not told that I needed to complete a form or that I needed to have the account for XXXX  days before I could request this initially. I had also asked if there was a fee to do this and was told no. I sent the wire as instructed and called back in for more info ( as instructed ). When I called back in, I was then told of the requirements, the fee, and that I needed to sign a form. I did all of this and complaint was supposed to be submitted to waive the fee and allow the recast as I was almost to the XXXX  day mark. Then silence. I called in to hear that my recast would be complete on XX/XX/21 and that the fee had been paid. That was a surprise since I was told there wasn't one and it would be waived. I called in today only to hear that the reapplication of my payment had been processed, but the monthly amount of my payment had not changed. I was also told - on the recording - that the offices were closed in observance of the holidays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
The company misapplied payments. The problem may have started in XXXX but I'm ignoring that. I requested a payoff quote in XX/XX/XXXX and started paying additional principal since I had a month where that quote was correct, which was through XX/XX/XXXX. The company mis-applied a payment to XX/XX/XXXX, which I noticed on XX/XX/XXXX and requested it be moved to additional principal. I then made payment through customer service for payoff toward the principal and wired more than the payoff amount ( I believe ) which they received on XX/XX/XXXX. Since the principal balance was incorrect, I had to make a big leap of faith that my calculations were correct. 

They have not yet made the correction, I don't know where the payoff wire is sitting, and I can not get a contact method to contact the payoff department. I have been told that I'm going to have to request yet another payoff quote after the fix has been made, but there is no activity on making the account correct and I can't verify the payoff amount I've sent in is sufficient since I'm not allowed to speak with or contact the Payoff Department.

I need to know that enough funds have been sent in to payoff this loan, I need to know how to contact the Payoff Department, and I need the misapplied payment to be fixed. If I need another payoff quote, I need that expedited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX SYNCHRONY BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 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.

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 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
On XX/XX/2022 I entered into a simple retail installment contract with XXXXXXXX XXXXXXXX XXXX XXXX  also known as Bridgecrest. I was mislead to believe that I needed to commingle a cash down payment and that this was a loan. I was told I had to put an cash down payment of {$2800.00} down. I signed a promissory note along with a security agreement which created a negotiable instrument. Earlier this year my vehicle was then stolen by this company they are now falsely reporting and interfering with my pursuit of happiness. There is a great deal of fraud and misreprsentation invovled in this transaction and Bridgecrest/XXXX needs to be held liable.

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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