vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have tried many times to contact CHIME/ STRIDE BANK services regarding a charged off debt that is on my credit report. 

The company REFUSES payment of any kind there for gives me no chance or relief to mitigate and fix the errors on my credit report. They state there is no credit department and since the account is closed that they have no access to do anything with account even though the company has not sold the debt. They are actively keeping this closed/ charged off account on my report and says they cant take my payment to settle. This is against FCRA laws. 

This charge off if {$14.00} and the company states there is no way to pay this. THIS IS NOT LEGAL. 

My credit continues to be affected because CHIME/STRIDE Bank will not allow me to pay my debts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My Father, XXXX XXXX XXXX passed away XX/XX/XXXX. XX/XX/XXXX or XXXX, XXXX, I visited PNC Bank at XXXX, XXXX, Illinois and met with XXXX XXXX XXXX ID XXXX to discuss need to close two credit card accounts, and possibly open a Trust asset account. XXXX XXXX was given original copies of all the legal documents-death certificate, filed copy of Will, and the Trust. She told me that all had to be reviewed by the legal department, and it would take a couple of weeks, then she would set an appointment with me to go over paperwork. The 2nd appointment was on XX/XX/XXXX. The paperwork all had to do with the opening of the Trust asset account. XXXX XXXX told me the credit cards would be closed, and expect my father 's online banking access to cease; suggested I set the cards to " Locked '', so charges could not be made before it was closed. I never had any paperwork specific to the credit cards ( 2 accounts ), but I had asked what needed to be done, did everything I was told, but the accounts were NOT CLOSED and an automatic payment to my dad 's internet provider was continued to be paid by PNC, even though I tried to dispute the charges through his online access, for SIX MONTHS. PNC Credit as well as Fraud departments always told me they could not talk to me because I wasn't listed on the account, to which I'd reply, Legal or XXXXrobate Department has all the legal documents! Noone can give an answer as to why the legal documents are not available to the credit department. In XX/XX/XXXX, received a letter from PNC that they closed one credit card for lack of use. The week of XX/XX/XXXX, I drove 51 miles, each way to the nearest branch in XXXX and spoke to XXXX XXXX, who confirmed nothing had been done to close the account. I had to produce additional death certificates ( PNC had my stepmom 's since XXXX ) and once again request closure. In the months in between, Fraud Prevention would call me when someone was attempting purchases, I'd explain he's dead & account SHOULD be closed. I have spent HOURS trying to get this resolved, and they claim they are closing the account, but have NO PROOF of this. PNC Bank and Others should not be allowed to issue credit and sell their " Services '' if they can not manage the services they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have accounts with Citibank : two checking and one savings account. Recently they have changed their rules and want to start charging me for each of these accounts. They want to charge me $ XXXX for the savings account, and various fees for the other accounts. I am a XXXX XXXX  on Social Security and this will be a hardship for me. I called Citibank and they agreed to cancel the fees for three months but it seemed likely to be reinstated at the end of three months. They want me to have direct deposit into each of these accounts. I do have direct deposit into one of the checking accounts for my Social Security payment and for when I cash in my XXXX accounts, but I then move money around as needed. I keep a fairly high aggregate balance ( right now its approximately {$13000.00} ) but apparently that is not what they want. 

I am a long time customer of Citibank. I got my first account with them XXXX years ago. I added the savings account to encourage me to save. I added the extra checking account so I could do self-employment business and not get it confused with my personal expenses. 

I think this is a lousy plan to charge for services that were provided free of charge until this month. 

I know there is a goal of eliminating unfair fees and it seems to me these fees are unfair and potentially cruel. 

Is it possible to get Citibank to eliminate these additional fees?

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 2024-05-28 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: NY

Complaint narrative:
We have been trying to resolve some serious issues regarding the servicing of our loan and recently found out all these years we've paid attorneys to fight to keep our home the investor for our loan " does not allow loan modifications ''. They refuse to put this in writing. They also refused to respond to our last complaint filed with the CFPB and stated XXXX XXXX represented us when he has never been retained or ever represented us in our foreclosure action. He was confused but drafted the letter as requested. Then they assigned XXXX XXXX to our account as aDedicated Loan specialist on our mortgage account. According to your letter your job is to help if we ever fall behind on our mortgage payments. We are confused as to how you can help us with our situation when we have been told on numerous occasions that the investor does not allow loan modifications. We spoke with XXXX ID # XXXX from loss mitigation, and she confirmed this. She also stated XXXX is the investor. Who is XXXX This is not the investor you claimed to own our loan in RESPA response. In fact, you did not provide us with all the information and documentation we requested which leads us to believe that you are perpetrating a fraud. We have a sales date for XX/XX/2024 and you have been acting in bad faith. You also have charged us for property inspection fees all these years we were forced to sit here fighting with you knowing we will never be given an opportunity to keep our home. You forged our documents in the bankruptcy court. We have proof of all this. This is a XXXX XXXX XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-05-28 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: NC

Complaint narrative:
Today Transunion sent me my credit report investigation results by mail.Stating they verified and updated, The information is the same inaccuracy, no change at all, I'm asking for XXXX XXXX, XXXX, XXXX to be deleted from my credit report. These three accounts was paid off on time years ago. XXXX deleted all three accounts do to deep dive investigation. Transunion need to do the same thing. I will not give up until these XXXXhree inaccuracy accounts are corrected or deleted from my credit report.

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 2024-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: MO

Complaint narrative:
cant acess credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Unauthorized inquiries appear on my credit report

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
In XXXX of XXXX I received a credit alert from XXXX XXXX credit monitoring stating that and XXXX account was opened in name. I called affirm and provided the requested information for them to search their database for my information which was my correct phone number and email address, I was told that there were no accounts matching that email and phone number neither the last four of my social security number. In XXXX of XXXX I received a notification from experian that there are two affirm accounts that are two months late. Whenever I called affirm they refuse to provide me with any information that I can accurately dispute the claim such as location and date when the account was created and what documents where used to create the account. After speaking with an experian agent today I was informed that affirm does not pull your credit report when they create accounts for individuals. So they do not verify at the point of the loan creation the persons identity that is applying for the loan. When experian sends you a detailed credit report affirm does not show up on either a soft pull or a hard inquiry so that by the time you are aware of it, it is too late to dispute it. Your information is also saved under a different phone number and email address so you will never be able to stop the process till after they send your information into collections.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Not getting correct amounts that has been sent, getting fees when I shouldn't be, didn't get paid from cashing in on a stock, I also didn't receive my deposit from the irs with my tax return like I was suppose to. Someone hacking into my online banking account for XXXXXXXX XXXX " cashapp '' or " square bank '' or " block '' account and laundering money it seems. My checking account is insured up to XXXX so I do have checking account insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I tried to transfer my funds from my investment account to and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Unauthorized inquiries appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
My savings account was hacked by a person posing as a usaa agent on XX/XX/XXXX. The person involved used my joint account I have with an ex wife I used to pay child support of XXXX a month. The person mailed a debit card for that account to a physical XXXX location and syphoned my savings into the joint account and used the debit card for that account and withdrew {$900.00} withdraws to various atms, XXXX XXXX and post office. Depleting my savings of $ XXXX. The person involved also deposited a fraudulent check of $ XXXX with an endorsement signature that wasnt mine which could be compared to previous deposited bonus checks form my employer. This resulted in a negative balance of - $ XXXX. I reported the activity immediately to the bank as I was locked out of my account and my ex wife notified me of the activity. Ive been denied on 3 re-reviews and held liable for the negative balance. I later found out the reason for the first denial is they believed I gave access stating I made a call claiming under the direction of an attorney to withdraw assets. I stated that wasnt myself and to compare the voices as they wont be the same. They gave me thresholds of 5 business days to which Ive had to contact them only to find out decisions made well in advance with no notification to me every time one agent didnt submit the re review correctly which cost me another week of waiting. Ive asked for documentation and decision letter. Ive filed a police report with an assigned detective. Ive been forthcoming with all information to include the detectives to assist with the investigation. They never contacted the officer. Ive had my assets froze since the XXXX of XXXX. My checking account wasnt affected and I have $ XXXX in it I can not access and Im now delinquent on many bills. Ive been a member for 15 years too include vehicle and rental policies as well with no previous claims and Im being told this is my fault and they are separating service and I am responsible for the negative balance. Please help this isnt right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have no access to my personal account or my business banking account ( that I just opened up with BMO ). Apparently, there was a check that was attempted to be deposited into my account in the amount of {$5100.00} that was addressed to me but not signed by me... I am really trying to keep it together here, but this has happened to me at XXXX XXXXXXXX XXXX XXXX as well. I feel as though I am starting to become a victim of identity theft, and I fear that this is going to start affecting all of my accounts from here on out. I need URGENT help in this situation, as I do not know what move to make yet and I fear for my finances and future endeavors because of this. I am currently at a stand still financially and physically. Aside from these feelings of defeat and anguish, this check in question clearly shows a signature that is NOT mine on the reverse of it... I received a letter in the mail from BMO in regard to an overdraft reminder stating that my checking account has an overdraft balance of XXXX. I also have a copy of the check in question from BMO stating the following : RETURN REASON-N ALTERED/FICTICIOUS and the reverse shows the signature that is NOT mine. This is still being investigated per the Fraud Department at BMO as of today XX/XX/2024 at approximately XXXX XXXX which is when I spoke with the team over at BMO. I need help with this, as I have nothing to do with this check and I feel as though I have fallen victim of a scam and potentially future financial issues due to this. I am paranoid to even open a new bank account now anywhere for that matter and need assurance.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
On XX/XX/year>, Midland Credit Management contacted me seeking to collect a debt that is not mine nor tied to my name. I informed them as such expecting them to stop calling. They have not. 

They have continued to contact me on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each time, I have ignored the call knowing that the debt is not owed by me. Additionally, on XX/XX/year>, they attempted to contact me at XXXX XXXX. Given that I live in Washington XXXX, this appears to be an unreasonable communication attempt and an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
ON XX/XX/XXXX A PRE-AUTHORIZATION HOLD IN THE AMOUNT OF XXXX WAS PLACED ON MY CHIME CARD. FOR MY CAR RENTAL. THEN ON XX/XX/XXXX THE AMOUNT OF XXXX WAS CHARGED AGAIN TO MY ACCOUNT FOR MY CAR RENTAL THAT I HAD RETURNED SINCE THE XXXX OF XXXX. XXXX CAR RENTAL CHARGED AN ENTIRELY NEW CHARGE TO MY CARD WHICH WAS NOT AUTHORIZED. THEY FAILED TO COMPLETE THE INITIAL CHARGE FROM XX/XX/XXXX. ADDITIONALLY, THEY DID NOT EVEN CANCEL THE PENDING CHARGE FROM XX/XX/XXXX. BOTH CHIME AND XXXX SAID IT WAS MY FAULT I WOULD HAVE TO WAIT XXXX DAYS, BOTH COMPANIES HUNG UP ON ME. THIS RESULTED IN MY CHIME ACCOUNT WHERE MY DIRECT DEPOSIT GOES INTO BEING NEGATIVE. CREDITORS ARE CALLING NON STOP, I LANDED IN THE HOSPITAL BECAUSE OF THIS ISSUE, AND THE REPRESENTATIVES EVEN TOLD ME TO SHUT UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am writing to follow up on a matter of great importance regarding my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), I have yet to see a resolution to the discrepancies within my credit report. These issues are causing me significant distress and require immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am writing to follow up on a matter of great importance regarding my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), I have yet to see a resolution to the discrepancies within my credit report. These issues are causing me significant distress and require immediate attention.

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