vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I got an email from chime saying Chimes issuing bank, XXXX XXXX XXXX Member FDIC, has identified unusual activity relating to your bank account ( s ). A hold has been placed on your account until you are able to verify this activity with The XXXXXXXX XXXX 

Please see below for further details and instructions on how to request a reversal of this hold. 

What Happened Our partner, XXXX XXXXXXXX XXXX, has identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime bank accounts. 
So I called chime and they told me the problem was the XXXX dollars that my boyfriend tryed to transfer me from his edd XXXX XXXX XXXXXXXX card needed to be verified that we needed a notary saying he authorized the XXXX to be transferred to my chime account and they needed his social security card and all my info as well I sent over everything and they keep on sending the same message requesting the same stuff over and over again and I kept calling and they kept on saying they got the documents and then I would get an email from Chime saying they need the same documents again and finally on XX/XX/XXXX I called and talked to a supervisor and Told him to close my account and send me my remaining money that is in the account all my work checks, my taxes and my stimulus check was in the account so he closed and every since then o couldn't talk to anyone about my account and I have been emailing them about my account and they just send over an automated message saying they will get intouch with me in 24 hours well it never happened. I was XXXX and I seen chime had a page so I wrote on a status and one of chime Members wrote me and then email me and I sent over the documents again and no reply back and it's like they don't wan na give me my money back and I went as far as having my sister who has chime calling on three to talk to a representative and they said there is nothing they can do and all I can is email chime support and they Will Get back to me 24/48 hours and they have not that's what I been doing. I also sent a message to chime from my sister email address and they replied back immediately but not from my email address. All I want is my money from chime that's it and that's all and to see if they need anymore documents from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I have disputed inaccurate information on my credit report through XXXX multiple times. XXXX responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is JD Byrider from XXXX Illinois located on XXXX XXXX. Jd Byrider claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to XXXX  I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on TransUnion and XXXX. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by credit shop if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via TransUnion, XXXX and XXXX shop but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.

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 2021-05-21 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have an account with Santander Consumer XXXX USA car loan. I have not been past 30 days within in the past year. Often, I have to call Santander Consumer USA to report my account. They did go back report my account as late every month and previously it was reported paid on time on XXXX. I did have deferrement on the account last year XXXX. XXXX due to COVID. They reported it as 30 days late. For XXXX. XXXX they reported the account is current paid on time. They have not reported for XXXX or XX/XX/2021. They also reported my account paid and late within past 90 days. This has dropped my credit report I am in the process of closing on home and this could keep me from my purchase. I am asking that Santander will report correctly and show where I have been making on time payments and remove the negative issues on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My chapter XXXX bankruptcy has been discharged without any areas in XXXX XXXX, XXXX. Since then, I have made all my monthly mortgage payment on time. But my loan servicing company started to refuse my XX/XX/XXXX mortgage payment. The reason is they asked me to pay additional 3 months mortgage payment behinds, which were not existing. I sent them all my payments history and evidence to them but they couldnt give any response and answer. Today I just received my XX/XX/XXXX mortgage payment check back for the same reason. What can I do at this point?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
I try dispute with all 3 Bureus a chapter XXXX also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file

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 2021-05-21 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: LEXISNEXIS
State: FL

Complaint narrative:
I try dispute with all 3 Bureus a chapter XXXX also disputed with lexis nexis they all saying is verified by court they all get in this information from Lexus nexis that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
On Friday, XXXX, I received a call from my mortgage officer ( my wife and I are purchasing a home in XXXX ) informing me of a raised flag when pulling my credit score. Two of the three credit reporting agencies were within the range he and I projected I would be ( XXXX : XXXX ; XXXX : XXXX XXXX, but the third, Experian, was significantly lower ( XXXX ) due to a private student loan account reporting 90+ days past due. Immediately upon learning this, I ask that he provide any information he had regarding as I was completely oblivious and unaware. After receiving the information, I contacted the XXXX XXXX XXXX XXXX XXXX to inquire further why I was not made aware of the past due balance and pay the entire balance in full. The XXXX XXXX XXXX XXXX XXXX informed me that though they did have my current address on file, all correspondence previously mailed to my address was returned to them from the post office ( it is important to note, I receive mail every day to this address without issue ). 

Additionally, they confirmed they did not attempt to notify me beyond the mailers, which were ultimately returned to them. Knowing this, I agreed to pay the balance in full and submitted the payment the same day ( XXXX - the same day my mortgage officer first made me aware ). I also requested the XXXX XXXX XXXX XXXX XXXX remove all 'Past Due ' reports submitted to Experian as their records reflected and confirmed I was not ever adequately notified. The XXXX XXXX XXXX XXXX XXXX denied my request and refused to provide any justification or supporting evidence for their denial. 

Before ending the call, I voiced my concern about the unfair treatment I felt I received and that I would be forced to exercise my rights as a consumer submitting a claim to the Consumer Financial Protection Bureau ( CFPB ) ; their response : " go ahead. ''

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 2021-05-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Called and submitted disputes online via mail directly and was told its a automated system after several attempts my reports remain affected violating my consumer Rights to accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
Flagstar Bank I have had multiple issues with the lender. My loan was sold to Flagstar in XXXX. Issues are around the mishandling of payments and then charging exorbitant fees because payments are missed. Customer service is also very bad to try to correct things. 

The two biggest issues : Issue 1 : Around XXXX of XXXX my loan was sold to Flagstar. My escrow assets were transferred over. Meanwhile, they did a " recalculation '' on my escrow amount due and took my next auto payment and applied it to the escrow. and NOT the loan. Since it is auto payment I don't keep tabs. They later notified me that I had missed a payment and they charged me a late fee. I had to spend hours on various phone calls to get it sorted out. 

Issue 2 : XXXX, XXXX, XXXX ( Friday, late in the day ), I got a call saying I was delinquent on my payment. Again, lots of transfers to different departments and they told me that my payment was received TOO EARLY so they applied it to my principal and interest and NOT my next month 's payment. It was received on XX/XX/XXXX to be applied to XXXX. Only 7 days early! They also charged me {$110.00} as a late fee for " missing '' my XXXX payment. {$110.00}!!! 

I feel like this is a pattern. This jig involves administratively shuffling payments around in hopes of triggering a missed payment. Unless you are willing to spend hours on the phone to correct it, I'm sure it will not get caught. They said they will fix this most recent issue, but if it is anything like the last issue they will find a loophole to not fix it unless I make a few more phone calls and keep a close eye on it. 

I wish there was a way for me to choose who my loan was sold to. My last loan was sold to XXXX XXXX, and they were AWESOME! Great app, great website, great service! Flagstar Bank seems to be still in the 90s. Endless runarounds, high fees, terrible website., everything done by mail. They told me they can not email anything. 

I wish they would be investigated and fined! this seems to be the only way big banks learn their lessons.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is trying to charge me fees on an account that is completely paid off and closed. 

I received an email on XX/XX/XXXX saying that my account was overdue by 3 days. My statement was only overdue because I ever received an XXXX statement from them. I pay statements the day that I receive them. 

So, I immediately called customer service. I explained that I never received a statement and thats why the payment was 3 days late. At that time, there were two outstanding charges. I paid both of those charges at that time. The representative told me that there was NO LATE FEE assessed at that time. So, at that time, I completely paid off the credit card by paying those two charges.

The next week, I received a statement in the mail with a late charge and also one of the charges was on the bill, a charge that I had already paid. 

I immediately called customer service. I told them that I had already paid all charges and that I was told there was no late fee. At that time, I closed the account and told them they would not receive any further payment from me, because I had already paid all charges and was told there was no late fee. 

Then, I received another email, saying that my account was overdue! And, looking at the account statement online, they were charging me not only for the amounts I had already paid off, but also a second late fee charge. The amount in question is {$47.00} and I have the bank statement showing that I paid that off. 

I called again and was told that the late fees are there because I still owed for a payment from XXXX. But, again, I had already paid off the card. And, I have the bank statements to prove it. 

So, in essence, they keep ignoring the fact that I had paid off all that I owed ( and have the proof to show that ) and keep charging me fees. 

And, I have had many credit cards in my lifetime and NOT ONE of them ever charged a late fee if I was in error and was late on a payment by a few days. Every single credit card company I have dealt with, except for Citibank, has waived the fee on a first offense. Also, as I stated, I was told that I was not given a late fee in the first place, then they went ahead and did it anyway.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I accidentally rolled a XXXX XXXX XXXX over a XXXX foot embankment of the XXXX XXXX XXXX XXXX  while parking an XXXX XXXX car in a XXXX XXXX XXXX XXXX XXXX XXXX parking lot with no guard rail. The location is a popular tourist destination at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  near XXXX XXXX  XXXX in Washington, XXXX 

At the time of the accident the vehicle was traveling no more than 5 miles an hour where the lot abuts the canal. Because there is no guard rail or other barrier on this section of the lot, a car that moves beyond the end of a parking space will roll to the bottom of the canal if it is empty or fall into the water if it is full. Either outcome is likely to cause extensive damage to the vehicle and major bodily trauma and/or drowning to the occupants. Fortunately for me the canal was empty at the time, I was wearing a seat belt, and my air bag deployed. 

The XXXX claim report on the damaged vehicle is not currently available, because an inspection is needed on damage to the roof of the car, which flipped over, to determine whether it can be repaired. I estimate the cost of repairs be at least {$10000.00} and the cost of replacement to be at least {$20000.00}. 

BankAmerica ( BA ) /Mastercard ( MC ) refuses to pay an an XXXX damage claim for the vehicle and has locked me out of its online claim reporting system, because it reports that it terminated my collision damage waiver ( CDW ) coverage benefit on XX/XX/XXXX. 

BankAmerica representatives I spoke with on the phone on or about XX/XX/XXXX insisted that BA notified all beneficiaries of its intention to terminate the XXXX XXXX benefit in a mass mailing in XXXX, XXXX. I do not recall receiving that mailing. Even if I did, I have opted out of printed notifications and expect to receive information about my MC account via email. 

Also I have documented proof that on XX/XX/XXXX XXXX paid another damage claim to XXXX for an incident that occurred on XX/XX/XXXX. This payout provided me with the expectation in XXXX, XXXX that it would honor future XXXX claims as well. 

To date I have been unable to challenge BankAmerica 's decision to terminate my XXXX coverage in court, because it has not provided me with proof of the termination of the benefit, the date the benefit was terminated, and the method of notification. Also BA has not provided me with an explanation for why a benefit that terminated in XXXX was still in force on XX/XX/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 2021-05-21 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: IL

Complaint narrative:
Dear XXXX : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I got my credit report recently and found this collection agency Berling Wheeler Inc report on my credit report for XXXX Cable Bill in the amount of {$380.00} The account # XXXX and was opened on XX/XX/2020 for two months. The address on the account was for service provided in XXXX XXXX XXXX , XXXX XXXX, LA XXXX. As of today, I have never been to XXXX XXXX, LA in my entire life. I am also a value customer for both my business and home services with XXXX, I do not have a bill in that amount from XX/XX/2020. Please remove this from my Credit Report ASAP.

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 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed inaccurate information on my credit report through Experian multiple times. Experian responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is XXXX XXXX from XXXX Illinois located on XXXX XXXX. XXXX XXXX claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to Experian I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.

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