vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: TX

Complaint narrative:
Two months ago I contacted TransUnion about the following fraudulent accounts XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ), PORTFOLIO XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This complaint surrounds Chase Bank. I received notice roughly 3 days after opening a checking account with a {$380.00} cash deposit. I do not revollect the exact day of XXXX, 2022, however I believe between the 3rd and the 7th maybe? Anyway, the best part of the transaction was opening it with XXXX XXXX He and I spoke about many things while going through the motions of opening the account. A few days later I walked into the same branch in XXXX, Wisconsin to inquire about home loans. He abruptly informed me that your account was closed due to fraud. I had no idea what he was talking about and after a brief conversation I shook his hand and left in disbelief. The next day I called and told him I think I knew why. While living in Arizona, I had a chase checking account where I deposited a check for {$12000.00} for the sale of my boat. Not long after that deposit my account was not accessible. I went into the Chase Branch in XXXX, Arizona to ask why and I was eventually told that the check I deposited was fraudulent from a couple of days before. Unknowingly, and using my checking account while staying in XXXX XXXX, Wisconsin with a friend and looking for a place to live. I eventually withdrew my remaining balance and opened another account at another institution closer to housing I had found in northern Wisconsin. Upon closure of that Chase Account in XXXX XXXX the people there were very nice and said I was welcome back anytime at Chase. Then I get this news from Chase in XXXX that my account was closed due to fraudulent activity on an earlier account in Arizona. I then called XXXX and attemently explained that was not my fault. All I did was deposit a cashiers check that I had no idea was fraudulent and now I am just as guilty as the perpetrators. I have my reasons for wondering why Chase acted in this capacity, but one thing is for certain, something stinks to high heaven. Ultimately, I want the name of the individual ( s ) responsible for this embarrassing and unwarranted reaction to something that was absolutely not my fault, and Chase in XXXX Arizona opened up another account for me right away and for being a vetersn.. In closing, I am absolutely asking for the name ( s ) of the people responsible for all of this upheavel.if this instruction is not folliwef by Chase XXXX, they can expect any and all legal boundsrues used against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, I am contacting you because I have found some information that is inaccurate on my credit report. 
This account was never paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX # XXXX or credit card ending # XXXX After doing so please provide me with an updated credit report reflecting the changes. 
I reported inaccurate information to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
In case you can not verify this item pursuant to the FCRA and it continues to show up on my credit report, I shall find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. As per this regulation, I may sue you in any qualified state or federal court, including small claims court in my area Based on, These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent Account XXXX XXXX Account Number : XXXX or credit card ending # XXXX Account Opened : XX/XX/2014 Balance : {$0.00} Account paid off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I have an online banking account with Current. 
On XX/XX/XXXX @ XXXX am a transaction came across my notifications for {$590.00} from a company XXXX XXXX XXXX. I had never heard of this company nor did I authorize it make a purchase from this company. I immediately contacted Current and they said the charge was pending and when it went through I could file a dispute. And so I did and their decision stated back to me was that no error occured. They said I could request all information in how they made that decision and so I did several times and I have never received any correspondence. I emailed and chatted and got no where. There is no one to call about a matter like this. But I did not make a purchase from XXXX XXXX XXXX. I did not authorize any purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am a victim of identity theft. I signed up for XXXX credit alerts and found the following inquiry that was just made that was not made by or authorized by me. The inquiry was from Bank of America and it was made on 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 non-monetary relief
Consumer complaint received 2022-01-18 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-18 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am only late with XXXX ( 2022 ) payment -- -- because my Monthly payment when up some {$200.00} -- -- because they under estimate my escrow -- years a go -- - ( some where around {$820.00} ) -- The wife and i are XXXX & XXXX and on a low fix income ... IT THEY THAT MADE THE MISTAKE AND IT HURTING US.. -- XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX -Company is PNC Bank ( Mortgage ) Loan # XXXX XXXX is -- -- -- -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Safco XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i may have an idea on whos using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I paid {$2300.00} to Synerprise Consulting to settle two collections debts on my credit report originating from XXXX XXXX XXXX. I was told by the creditor this satisfied the debts in full and that both items would be completely deleted from my credit report. I have proof from my bank statements showing I paid these debts. Both items are still showing unpaid, and both items are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: VW Credit
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX of XXXX XXXX April 08 XXXX XXXX imports XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i XXXX have an idea on whos using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I do not owe this judgment. this company was sent a letter and never responded to my letter. They filled a court order that I knew nothing about, and now garnishing my employment check. This company is a fraud. STENGER & STENGER WAS SENT A LETTER BY CERTIFIED THAT THEY RECIEVED AND NEVER RESPONDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MA

Complaint narrative:
There are many fraudulent things i saw on my credit report that I didnt give permission to experian to put on there. Once i saw these things I sent them multiple letters needing verification and deletions regarding these items. I gave them the allowed 30 days and didnt receive anything in the mail nor did i get the items removed. This is my next step in the process into rectifying the situation to my liking. I feel like Im being discriminated against and Im having trouble extending credit with these things on my report. The following are wrong XXXX XXXX isnt my name so i want that and anything related to that name deleted. My address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Massachusetts XXXX. So any other address i want deleted as well. My job is XXXX XXXX so any other job i want deleted. There following account arent verified and i want deleted immediately : XXXX XXXX XXXX, collection XXXX, collection XXXX, XXXX XXXX  XXXX, and XXXX XXXXr 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 non-monetary relief
Consumer complaint received 2022-01-18 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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:
on XXXX The XXXX XXXX XXXX XXXX closed out my student loans and transferred it to XXXX XXXX XXXX XXXX As a result my credit scored took a XXXX point drop with Transunion. Transunion is stating that I have to wait to XXXX report it which could take 30 to 90 days. In the meantime, I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly deceptive. It is absurd that I should be punished for an action I did not take and TransUnion says there is nothing they can do about it which I dont believe Thank You

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 2022-01-18 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

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 2022-01-18 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

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 2022-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have two accounts with Chime, that is accessed through chime.com and the mobile app. During the last three months of XXXX ( XXXX, XXXX, XXXX ), I move funds into chime because I am readying a down payment for a house. 

After the new years into XXXX, I returned from vacation and things began to become bizarre with Chime. There was no access into my account from chime.com and the mobile app. I emailed to support@chime.com and there were no reply for over 6 business days. I spoke with my lawyer about this and he advised me to msg the cfpb about this as these so-called " fintech '' startups are typically becoming odd about quality of service. 

These behavior about Chime are very worrisome among many customers, my friends and myself. Chime have no physical branch, their support have become uncontactable and nonresponsive as stated. They provide no means to access my funds even after three levels of security with login/password, puzzle solving and telephone 2FA. I repeatedly pass all those and still no support msg and access to my funds. 

I tested my ACH transfer where money only can go in and no money can be ACH out even though its previously authenticated. I last check from friends that Chime is theatering customers to delay access to funds. 

I urge bank regulators to seriously review Chime 's startup business practices as described customer service behaviors are very bizarre and disturbing. 

The resolution I asked is the restoration of my account and funds without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MI

Complaint narrative:
I filed a previous complaint and uploaded documents and the credit bureau didn't respond in the appropriate time frame. complaint number 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 2022-01-18 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
I attempted to make a purchase on XX/XX/XXXX with my credit building card. It was declined and I used a different bank account. A few hours later the transaction was on hold. The funds of {$74.00} were moved from my account as well as the pending transaction. I was not given my money back. Chime has it, and has made me file a dispute, that will expire in XXXX. They are not sure if the funds are eligible to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My car was illegally used unauthorized I didn't authorize the transactions I've been trying to dispute and transactions with Bank of America that keep on denying my disputes they're not giving me provisional credit or anything like that

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 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr Cooper is my mortgage holder. I was in forebarance which was slated to end as of XX/XX/2021. I applied to have my account brought out of forebareance and up to date in XXXX. The option they offered me in mid XXXX of a partial claim was not acceptable to me as this would not lower my payment and I am still struggling. Therefore, I denied the partial claim and asked for Post Pandemic Covid Modification which would be a parital claim and reevaluation of the loan thus making the payment lower and interest rate lower. I called a few weeks later to check the status of my request and was told it was successful and to expect to resume payments as of XX/XX/XXXX with a reduced monthly payment from {$2600.00} down to {$2400.00} as well as a reduced interest rate. I was comfortable with this and asked that the paperwork be sent. After waiting an adiditonal 2 weeks, without ant paperowork, I called again and was told that now they anticipated my loan to restart on XX/XX/XXXX ( Not XX/XX/XXXX ) and that my rate was going up and my payment would be {$2500.00} as opposed to {$2400.00}, which is still a reduction but because I am delayed an additional month the negative balance from that extra month as well as escrow got added on and the rates have changed. The bottom line is they are moving the goal post while refusing to send the prpoper paperwork to exit Forebarance. I have seen and read reviews where similar tactics were used in an effort for them to maintain the original payment and rate and therefore change nothing for the customer. I stress that I can not afford to make a {$2600.00} per month payment which is why I asked for the Covid Modification in the first place. If this continues and I have to wait until XX/XX/XXXX to make payments, we will be right back to that payment per month and than some. This predatory behavior is despicable and should be addressed immediately!!! Especially since I am trying to be a stand up person and repay my loan which they are not allowing me to do until it benefits them! I.e If my payments were reduced by {$200.00} they would be loosing money on me and so have now delayed the process on purpose which has now raised my payments and rate which is totally illegal! Please someone help!

Company response to consumer: Closed with explanation