vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. Chime opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have checking and saving with DCU I notice some transaction on my account that I did not authorized from XXXX XXXX that bank approve without notifing me about these large withdrals I did not that I had that money in the bank because I apporoved for a loan and I did not no I got the loan the money was take out with in a 2 month and did not know I had got loan until 2 year later when I saw it on the XXXX XXXX  statements The bank refuse to get the money back because said I lodge in to my account and I should have the transaction the bank call me when I spend a small money and lock my acount if I do not aswer them back If i new I had that money I would be aware of the missing money

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 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In regards to comenity-Torrid. I made a purchase of {$100.00} dollars to my credit card. They have tried to say XXXXwo times now that my charges did not go through when there was no problem with my card. After the first time they did this, I followed up everyday and made sure there was money in the account, and also seen the torrid statement that said it was paid off, as well as the charge on my bank account. However, they wait for at least XXXX weeks after the due date of the payment to be able to say your payment did not go through, for the purpose of fraudulently charging extra for late fees. I had even made my second payment a couple weeks early while speaking to a supervisor, just so this didnt happen again, and it did. What type of late fee is {$40.00} anyways, thats outrageous. I have spoke with my bank due to there being insufficient funds as Comenity stated and the banker had even said I am probably getting scammed, as I had the money in my account and my card is working just fine everywhere else. So now I am ordered to pay around {$180.00} for a {$100.00} purchase. The most they can say is they MIGHT be able to help with a {$15.00} credit. I am afraid they will keep doing this to me and others, and in the end charge me more money than I can even afford. When you take the time to look this up you can see many complaints about this happening from many others a well, thats why I am reporting this. To stop them from fraudulently scamming our fellow community. Additionally, they have continuously made me not want to do business with my once favourite store. Theyre losing Torrid business by treating their customers unfairly, Comenity-DO BETTER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must emphasize that neither XXXX nor any other credit bureau have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NC

Complaint narrative:
Deceptive Fees : US Bank has imposed unjustified fees, including XXXX XXXX XXXX ( XXXX  ) fees, property inspection fees, and other miscellaneous charges that are neither adequately explained nor authorized. 

Failure to Honor VA Mortgage Agreement : As the holder of a VA-backed mortgage, I expected cooperation between US Bank and the VA. The bank has neglected loss mitigation rules, continues to impose fees, and threatens foreclosure without honoring the VA agreement. 

COVID-19 Assistance : Despite receiving funding from the Homeowner Assistance Fund , US Bank failed to apply it properly to my mortgage account or provide transparency about how it impacted my balance. Additionally, it failed to waive fees during the COVID-19 pandemic, contrary to government mandates. 

Inaccurate Billing Statements : The bank 's statements do not reflect accurate payments and balances. For instance, despite no missed payments and a 3.5 % interest rate, my mortgage balance decreased by only {$1900.00} over a year. This discrepancy remains unresolved.

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 monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquired Date : XX/XX/year> I must emphasize that neither XXXX nor XXXX, nor any other credit bureau XXXX have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention significant discrepancies and inaccuracies in the credit reporting information associated with my account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, I request immediate action to rectify these errors, as they are in violation of FCRA 15 USC 1681i ( 5 ) ( A ). 

Upon reviewing my credit report, I discovered inconsistencies and incomplete data pertaining to the following account : Account Number : [ XXXX ] Account Type : XXXX XXXX Type Detail : XXXX XXXX Bureau Code : XXXX Account Status : XXXX Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX : XXXX, XXXX and Equifax : XXXX High Credit : {$1600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Late 30 Days, XXXX and Equifax : Current Last Reported : XXXX and XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX Comments : XXXX and Equifax : Closed or paid accountXXXX balance, XXXX : XXXX The discrepancies between the reported number of months/terms and the payment status are particularly concerning. These inaccuracies not only misrepresent my credit history but also potentially harm my creditworthiness and financial standing. 

I demand that the aforementioned inaccuracies and inconsistencies be promptly investigated and corrected in accordance with FCRA regulations. Specifically, I request the deletion of any incomplete or inaccurate information as per FCRA 15 USC 1681i ( 5 ) ( A ). I urge you to take immediate action to ensure the integrity and accuracy of my credit report. 

Please provide written confirmation once the necessary corrections have been made. Failure to comply with this request within the timeframe mandated by FCRA regulations will result in further action, including legal recourse if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Filed for unemployment and after a weird interview where the guy put me on hold to talk to his bookie ( not kidding, literally heard him say " I got your money, man, don't worry '' ), I was approved on XX/XX/XXXX. 

I waited weeks, assuming the card was coming in slowly, but I never received anything. I found out that I can call Money Network and check in on my card so I did that on XXXX. It said that it hadn't been shipped yet. 

The next day, I do the same thing and actually speak to a person on XX/XX/XXXX. The woman I spoke to told me it actually had been shipped so I should not cancel because it was on the way and it would take too long to get the new one ( suspicious person # 2 ). I listened and waited through the weekend. 

Called today ( XX/XX/XXXX ) to check on the card, spoke to a dude who confirmed that it had been activated and {$1000.00} was spent on it on XX/XX/XXXX at a men 's clothing store a few neighborhoods over. I did not activate it or make this purchase. He walks me through reporting the fraud and whatnot but, honestly, doesn't sound very surprised so this is clearly very common. 

I'm a little freaked out, not just about getting the money back but about how much information this person has on me. I'm not sure if it was the mailman, a money network employee, or an EDD employee. Not only am I unemployed but now I'm scared of identity theft. 

I reported it to both Money Network and the EDD. I'm supposed to get the new card within 1 to 3 business days via XXXX and I'll see how much information is needed to activate it but in the meantime, I'm anxious. The problem also seems widespread because a lot comes up when you search for " stolen unemployment Money Network. ''

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Last week I checked my account and it shows that the foreclosure is on hold, I then checked the foreclosure website for our local area and it shows I am in active foreclosure. 
I called in to the lender and they said that I am on hold because we are working on the loan modification process and that I have to submit only two documents before XX/XX/year>. I submitted the documents they asked for on Saturday and now I called today and they said that they need one more document. Why can they tell me that they only need 2 documents then say they need another one after the expiration date and I put everything on pause to get this completed?

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 2024-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : ( XXXX ) XXXX e-mail : XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and National Credit System , Inc ( XXXX XXXX XXXX, XXXX, GA, XXXX ) regarding a violation of consumer rights and attempted embezzlement of funds. 

On XX/XX/XXXX, my wife and I applied for a lease of an apartment at XXXX XXXX XXXX XXXX. We paid a total of {$700.00} with our application, comprising of {$200.00} non-refundable application fees for both of us, a {$300.00} refundable security deposit, and a {$200.00} refundable administrative fee. However, when we arrived on XX/XX/XXXX ( the first business day after we submitted the application ) to view the apartment, we were denied access on both XX/XX/XXXX and XXXX, thus violating our rights as consumers to inspect the apartment before signing the lease. 

As a result of this violation, on XX/XX/XXXX, we submitted a written request via email to cancel our application and requested the return of the refundable {$500.00}. Despite the application being in " pending review '' status at the time of cancellation, XXXX XXXX XXXX XXXX refused to refund the {$500.00} as required by law, and instead, retained the entire {$700.00}. 

We made several written requests via email for the return of the {$500.00}, all of which were denied by XXXX XXXX XXXX XXXX. Subsequently, at the end of XXXX, we initiated a dispute with our bank, XXXX, who agreed with us and successfully collected the {$500.00} from XXXX XXXX XXXX XXXX on our behalf. 

Now, XXXX XXXX XXXX XXXX is attempting to reclaim the {$500.00} through a collections agency, National Credit System , Inc. ( account in their system # XXXX ; XXXX at XXXX XXXX XXXX - their client number XXXX ), which threatens to adversely affect our credit rating unless we repay the {$500.00}. This action constitutes an attempt to embezzle funds to which XXXX XXXX XXXX XXXX is not entitled. 
My written Dispute submitted to National Credit System , Inc. on XX/XX/XXXX, and a letter dated XX/XX/XXXX ( submitted via USPS # XXXX ) have been ignored by National Credit System , Inc. They continue to threaten to adversely affect our credit rating unless we repay the {$500.00}. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX XXXX and National Credit System , Inc. comply with consumer protection laws and cease their attempts to unlawfully collect funds from my wife and me. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
In XX/XX/year> I settled with the law firm credit acceptance assigned to my case. The account is still reporting inaccurately on XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The Jcpenney/Synchrony credit card was paid off where I and a veteran representative, on the line asked the full balance on the card. Then asked to see if they could reduce fees to make a final payment. The balance was XXXX and they offered to reduce this total to XXXX. At that time a payment in the amount of XXXX was made that day of XX/XX/2024 where they offered to refund 3 months of late fees ( XXXX ) to pay in full and the call was recorded. To all of our understanding that day when the payment was made the account is closed and paid off. 

The next month another bill of XXXX interest was charged on a XXXX balance since the payment was made as agreed on the recorded call. This should not have occurred. 

The next month another XXXX interest on the interest was charged. This should not have occurred. 

This is an unfair way to do business. My veteran representative was helping me in getting the credit balances paid off in XXXX day and she is my witness. 

I would like the XXXX to be taken off of my account and some reparation paid to me for derogatory credit reporting after I made the payment that day I have prepared a legal and personal injury complaint and plan to file it.

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 monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I began received a bill in early XXXX of XXXX from a debt collection agency for monies of over {$1900.00} with no explanation at all. I was shocked to say the least. I have NO BILLS due to any person or place, especially of such a high amount. 
I wrote letter back informing debt collector that this bill DOES NOT BELONG TO ME. I said, " THIS IS NOT MY BILL, YES I DISPUTE THIS CHARGE THAT IS ASSIGNED TO MY NAME. If you had the correct person you would know this, I am not the person you are looking for and to stop contacting me for any reason. Do not contact me further. '' About 30 days later, I receive another letter from this company, saying that I requested verification of said amount, They say '' enclosed is the account summary in response to your request. '' But it is just A BILL, no verification of anything which is the problem. bill states for " XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX ON XX/XX/XXXX '' ... Now the amount has gone down to {$920.00} .... It has my name on it, nothing further, JUST THE SPELLING OF MY NAME AS VERIFICATION (? ) I have NEVER SEEN ANY EMERGENCY DOCTOR IN OVER XXXX YEARS, I HAVE NEVER BEEN SEEN BY A DOCTOR XXXX, IN ANY FACILITY, EVER. That's it, what they gave for verification was nothing of any sort of verification, it's a bill essentially saying that I AM THE PERSON WHO WAS IN THIS PLACE OR SAW THIS DOCTOR. It is NOT ME, AND NOT MY BILL! It's bare on information, no reason for being seen, no treatment, no DOB, no insurance, no signature, no ANYTHING connecting me to this bill. I am responsible person with high credit that I have worked very hard for, I do not incur bills that I do not pay. I have a medical doctor, I do not need nor have I used the services of ANY EMERGENCY PHYSICIAN. This is not my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

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