vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was at work when I received an email from Chime at XXXX XXXXXXXX XXXX 

The email contained the following : Hi XXXX, We have attached the account statement you requested. Please be aware pending transactions will not be reflected. 

You can download your Spending and Savings Account statements at the bottom of the Settings page in your Chime app! 

You can also download your account statements at www.chime.com. Select Statements from the menu on the left-hand side and select the month ( s ) you would like to download. Your current statement will be available no later than the 5th day of the next month. 



Cheers, The Chime Team Then I received an email at XXXX asking me to take a survey regarding my call experience. 

I reached out to chime at XXXX XXXX  XXXX and I was notified that someone called with my information stating that they are me. The caller requested a statement from my bank account. 


I specifically asked for chime to put extra security measures on my account but they refused to do so. The hacker has now hacked into my mobile service service provider, and attempted to get into my email. 

Chime refuses to address the issue and I am a valuable customer. My information should've never been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I noticed on my credit report that my card with Citibank ( Home Depot ) had been reduced from {$50000.00} to {$2500.00} on XX/XX/2021. I called the card that day at XXXX and spoke with a representative in Customer Service to find out why it had been reduced and to find out when the adverse action letter would arrive so I could see their reasoning. She told me that it was an issue of inactivity and that the letter had been sent on XX/XX/2021 and would arrive in 5 to 7 business days. 

I gave it longer than that to arrive and when it did not arrive, I called again on XX/XX/2021 at XXXX and spoke with Customer Service again and asked why the letter hadn't arrived and if it had been sent out. The representative said it had been sent out on XX/XX/2021 and that I should see it in 7 to 10 business days. When I pointed out the day we were speaking on was the XXXX business day and if I could have a copied emailed to me, she had me wait and transferred me to the Credit Department. 

Their I spoke with a gentleman who checked the account and at first said it had been sent and that it would arrive in 7 to 10 business days. When I pointed out the date, he then checked again and said that one had not been sent out and that it would not be sent out because the decision didn't have to do with my credit worthiness. When I pointed out that not only was I long time customer in good standing but that their decision had damaged my credit score and then asked who I could appeal to, he said there was no appeal and that my only option was to let them pull my credit again, thus damaging it more with an inquiry. I also asked if they had sent out any notice that they would be reducing my limit due to inactivity and he said that no, they did not do that, that it was simply in the terms.

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 2021-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX 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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: WA

Complaint narrative:
I applied for a forbearance plan XXXX of 2020 under the Cares act due to the Covid-19 pandemic. In XXXX, I notified my mortgage company i was ready to resume payments. The sent me the Documents on XX/XX/XXXX, they were received back XX/XX/XXXX. I resumed making payments in XXXX, I was not allowed to make payments online so every month I had to call, and sit on hold for a least 20 minutes at a time just to make a payment. In XXXX, Loancare started reporting me as delinquent, I disputed this in XXXX and the late payments were removed. keep in mind, they still had not finalized my paperwork or forbearance. In XXXX, finally, my forbearance was processed and i was allowed to resume making payments online, no more sitting on hold. Unfortunately, they also reported me as being delinquent for 11 months, again ... I disputed it with them again, and today received a letter from them claiming that the reporting is accurate. Mine and my husband credit reports are now reflecting 11 late payments from Loancare that were covered under the Cares Act. I am asking for help to have them 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 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which CBNA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received a response from them and they did not update the credit report as disputed. 

CBNA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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 2021-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of XXXX. XXXX needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. XXXX even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of 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 2021-04-20 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: NC

Complaint narrative:
This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, Chase closed a new checking and new savings account without offering any explanation. I had done nothing wrong this account - merely opened the account, funded it with {$15000.00} to meet the conditions required to avoid a monthly fee, and begun using it. This seriously disrupted my finances as I could not access my savings, and contravened their advertisement that prompted my application. See complaint XXXX. 

Today ( XX/XX/XXXX ), I applied for a credit card in branch after receiving another advertisement. However, I was unable to complete the application process. The associate directed me to call a number - XXXX. When I did so I, I learned that Chase had not only closed my savings and checking accounts. In the phone call I learned that as of XX/XX/XXXX, they had banned me for life from mortgage, checking, savings, investment, credit, and auto loans - without the opportunity of appeal or explanation. Chase did not even alert me to this ban, as they are required to do. 

Chase refuses to offer an explanation or recourse for being barred from access extremely important financial tools. It is discriminatory to exclude people from mortgage applications - an extraordinarily important financial tool - without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: GA

Complaint narrative:
There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with EquifaxXXXX XXXXXXXX, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX 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 2021-04-20 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: FL

Complaint narrative:
There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
It started about a year ago with getting checks cleared for an insurance claim and the myriad of demands from your department that even the insurance agent didn't know how to complete. Even the SIGNED OFF CITY PERMIT of the completed work wasn't enough. Instead it took a call to our state Attorney Generals Office to resolve the issue. 

Every time I called about the insurance claim, I had to start over with a new customer service agent who could only email them and get a response in 3-5 days. And, everything had to me through the USPS. Letters I got said I had 10 days to return the required documents. The letters got here in 8 days. Then, the letters were very unclear of what you wanted - Anytime the letter has the words " we may require one of more of the following '', that leads me to believe that even you don't know what you need. This took FOREVER to get answers. 
I refinanced at a new bank and have left AB ( or are trying ) ... 
Now, I get a mortgage payoff letter from you on XX/XX/XXXX. Today I get a letter stating that I still owe for XXXX and IT'S LATE with a late fee ... I've always made auto transfers from savings to mortgage and I left more than double the amount just in case. On XX/XX/XXXX, I get an email alert that the auto transfer failed because the account was closed. It was obviously the mortgage because the savings remained active well past XX/XX/XXXX. 
Today I had to make an electronic transfer into what I was told was a 'closed account ' just to keep you from tarnishing my PERFECT credit rating. When I spoke to the customer care, he couldn't figure it out and I was even on hold for 21 minutes while he worked with someone else. 
Today I called because the payment hadn't posted and she said this was already reported to the credit bureaus and it was my problem to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: NC

Complaint narrative:
This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}

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 2021-04-20 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: NC

Complaint narrative:
This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}

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 2021-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX license # XXXX, has and continues to attempt to trespass on my private property. Description 2018 XXXX XXXX XXXX XXXX vin XXXX My private property is in possession of my private trust and if trespassed again, this company agrees to compensate my trust {$10000.00} per day. This is a public notice. Any attempts after this notice is received constitutes as theft and trespass. My private property does not have a lien on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
To whom it may concern : Please be advised, this is a written complaint requesting your agency 's assistance. The complaint is against Home Depot/CBNA ; which is attempting to collect a debt they have reported as canceled with all three credit reporting agencies. 

Most importantly, listed under the remarks section of my credit report, it states that my account was cancelled by the credit grantor. This information was also reported by Home Depot/CBNA to the credit bureau stating this debt was cancelled. 

Therefore, I am requesting a thorough investigation and removal of this debt from all three credit bureaus. I greatly appreciate your assistance in this matter, and thank you in advance for your prompt response. 


Respectfully, 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 2021-04-20 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I do not, not have ever had contact with XXXX XXXX XXXX. I have never recieved email or letter about a collection due. I reached out to XXXX as that is the closest name when I XXXX  the company ( as no other info was provided from the credit report ). They had not heard of such an agency, but listed similar company names/branches of collection agencies. When experion disputed it, they said the company confirmed I was past due, but there was no info on where to go or any contact info to find more information.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
On my background check, I have a judgement listed as an eviction. The situation is not an eviction, this is a credit card. The credit card is from XXXX XXXX XXXX XXXX . The account was sold to Second Round collection. It went to court and I settled on XX/XX/2021. I have two settlement letters that show satisfaction from the XXXX XXXX XXXX and from Second Round. I need this removed from my background check as it shows as an eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I sent money to my sister through MoneyGram to XXXX on XXXX XXXX,2021 and I got a message that she has received the money and she called me that she hasnt received it and MoneyGram isnt finding any solution to this matter and even time I call them they tell me to wait for 3-4 business days and its been 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MoneyLion Inc.
State: NY

Complaint narrative:
I became aware in reviewing my credit report in early XXXX that someone fraudently took and and was given an installment by an online banking institution by the name of MoneyLion. Identity theft is involved and the loan was taken out illegally using my social security number, name and date of birth. The bank did not check my credit reports ( as I have a lock on them unless I need to use them ) and did not verify that the person taking out the loan lived at the address given ( by seeing a copy of a drivers license ). The person who took out the loan ( {$500.00} ) received the money from MoneyLion and is now delinquent on their payments. The delinquent loan is showing up on my credit report and has negatively impacted all of my scores. More frightening is that someone is taking out credit using my information ( identity theft ) and that certain institutions like MoneyLion do not have adequate safeguards in place to catch. I have read online, in researching the situation, that MoneyLion has had several cases like mine with people opening accounts and taking out loans fraudulently I have called MoneyLion. I finally got a representative who said they referred my case to the fraud department. I have not been permitted to have any direct contact with the fraud department. I have filed a police report with the XXXX XXXX XXXX Police Department NY report number XXXX. I have also filed a report with the FTC reporting identity fraud. The case file at MoneyLion is XXXX XXXX XXXX for the fraud that I have reported to them.

Company response to consumer: Closed with explanation