vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiries/ Date : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX In according to FCRA ( XXXX ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 
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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: DE

Complaint narrative:
On XX/XX/XXXX I disputed several transactions totaling {$6400.00} that took place in XXXX while I was incarcerated in the state of XXXX. Apparently transactions show that my roommate was able to log into my account collect unemployment and then make transfers to her cash app account. She also changed my contact information, my address, my phone number, and even was able to get a debit card sent to her house. Also she forwarded my mail from my mailing address to her house and was able to get a US government check a stimulus in the amount of {$1400.00} in my name forge my signature and cash that check using Chime. All of this money was either spent using the debit card or transferred to her cash app account and chime did nothing but accept all of this and allow it. I was released from incarceration XX/XX/XXXX at which time I noticed all of this fraudulent behavior and contacted Chime and started disputing it over the course of the next few months presenting documents proving that I was incarcerated and they continue to deny my claim. I do not understand how it is possible that someone is incarcerated and unable to access bank account yet they allow all kinds of fraud to go on and not return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a sba loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a sba loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.

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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the account with the term on direct deposit of {$5000.00} will grant {$500.00} bonus within 60 days of opening, I did the direct deposit in time but never received the bonus.

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 2022-03-30 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: I.C. System, Inc.
State: IL

Complaint narrative:
This account is NOT MINES! Why are they putting thing on my credit tht dont belong to me? This is nuts! I dont know what else to do but contact you all. This is fraud!

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 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX {$250.00} I have call multiple times to the company about this consult was a referral for the XXXX  XXXX XXXX. The XXXX XXXX people are the ones needing to pay. 
The office keeps trying XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
On XX/XX/XXXX. XXXX, I contacted XXXX to open a dispute about items I never received from from a Company called " The Dir Label. '' The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and XXXX responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided XXXX this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

XXXX never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please remove the accounts that are wrongfully placed under my name baceuse the bureaus not doin nothin bout em no matter how i try to tell them that those accounts are untruthful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please remove the accounts that are wrongfully placed under my name baceuse the bureaus not doin nothin bout em no matter how i try to tell them that those accounts are untruthful

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 2022-03-30 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: ERC
State: CA

Complaint narrative:
Enhanced recovery is failing to respond to my correspondence. I have mailed them several times inquiring about their account they are reporting on my credit. When I satisfied the balance in 2020 I clearly remember the representative stating that they would delete this account from my credit. Now Enhanced Recovery ghosted me after they took my money. Please delete this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I tried to pay PayPal Credit and XXXX XXXX XXXX XXXX on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XX/XX/2022.

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 2022-03-30 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have had an account with CIT bank subsidiary of XXXX XXXX XXXX for several years. Now, I'm closing on a house and attempting to transfer money out of this account for this purpose. However, I get a message : Force migration is in progress, please try again after some time. 

and I'm unable to access my account or make a transfer. 

I have been unable to access my account all day despite having attempted to talk to their support team for several hours. In some cases, there reps were even rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank has issued me a fraudulent cashier 's check for {$1200.00}. I have requested on numerous occasions they refund my money through accounts that I have provided them. This morning a bank branch manager where I tried to deposit it informed me that that check was a blank ; there were no funds on it as it has been placed on hold for fraud. Citibank is continuing to hold my money which contains my monthly Federal pay from the VA. I have informed them they are not supposed to be doing that and keep requesting my pay. This check was issued in early XX/XX/2022. 

Customer service is nonexistent as they lie, hang up the phone on people and so forth. There is not even a person of contact for this situation. I am planning to file a police report on Citibank for this.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX XXXX  payment on the XXXX XXXX  XX/XX/2020 and on the XXXX XXXX  XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am making this complaint willingly and without a credit repair servicer or any other third party. Please see attachments for more details.

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
I had listed this complaint with you before about Mr Cooper/ Nationstar losing my XX/XX/2021 payment in which you didnt ever get resolved. They said that I didnt make my payment in XXXX of 2021 in which I did and have sent the documents proving that I made the payment. Now they are completely ignoring me and my emails. I have complained with their research department and their executive resolutions department and still nothing happened. I have e even filed a complaint in their complaint department and still no one has contacted me back. I had asked you over a month ago to help me fix this issue in which you didnt. I am XXXX that it has been XXXX months and there is still no resolution to this issue. I want some results this time out I am going to have to find a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # 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 a 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 non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRIDENT MORTGAGE COMPANY, LP
State: PA

Complaint narrative:
XXXX XXXX, XXXX and XXXX, Settlement division received an Offer for the Property located at XXXX XXXX XXXX XXXX XXXX Pa. XXXX, settlement officer named XXXX  XXXX, received a U.S. Currency Note USN, of {>= $1,000,000} in which they received on or about XX/XX/2021, they XXXX XXXX never responded, nor did they return the item or the Offer, upon there acceptance the obligation to Proform is on XXXX XXXX. 
see attach documents

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I completed a balance transfer for XXXX on XX/XX/XXXX from Capital One to XXXX XXXX The payment was cleared on XX/XX/XXXX. Capital failed to apply the payment to my account claiming it was because my digital card number was used verse the physical card numbering although there is nothing online stating so. I completed the same transaction on my other account with a digital card number and the payment was accepted for my other account with Capital One in the amount of XXXX. I have been dealing with both companies since and neither have made attempts to communicate with each other and/or locate the payment. I am being charged for both companies and feel helpless as one entity is saying they have the transaction and the other doesnt care to locate it. Capital one is saying they need a account and routing number and XXXX XXXX is saying they dont have access to that information since it was a electronic payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
At end of XXXX I ordered a XXXX XXXX gift for my wife online from XXXX XXXX XXXX XXXX. The order was supposed to arrive before XXXX XXXX. Well the order never came I even sent a email to the company telling them I never received a confirmation order number and that I have not recieved my package. Well my Bank whitch is CHIME I had made a dispute to get my money back well Chime Bank gave me the run around told me itll take 30 days well they waited until that last day then told me my dispute was closed! And that there investigation team decided to close it out..I still have not gotten my money back so then i did a rebuttal on the dispute because there decision is wrong Ive never recieved my item and they basically took my money!! I even sent screenshots and emails to CHIME BANK from the XXXX XXXX XXXXXXXX XXXX  Where they had told me my order was cancelled and that my money was being refunded back to my account.. I sent all that info to Chime they recieved it and still did not want to give me my money they told me itll take up to 90 days for my rebuttal well they closed out my rebuttal and are trying not to give me my money thats rightfully mine CHIME BANK told me that I need to email the company and get my money back myself! I told them thats not how this goes..that Chime is my bank and I made a transaction off my chime card through there financial institution so there for its there responsibility to have my back Help me and take care of me there who I Bank with! CHIME BANK refuses and keeps giving the run around about everything and will not return my money back to me. Chime Bank has treated me very horrible and UNFAIR. I need my money back from CHIME BANK FOR {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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