vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Back on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been suffering from a financial hardship. I took out a loan against my lawsuit through a company called ( XXXX XXXX XXXX ) to try to make some ends meet back in I believe XXXX of XXXX and at the time I didnt have a checking account after being a victim of identity theft. So I believe Chime was one of the options for me to receive my funds. Then on XX/XX/XXXX I had to take out another loan. I did and informed the lady of my checking account and routing information. When I hadnt received the loan money 2 days later. So I called XXXX XXXX XXXX and they told me that they didnt know where the money was. Then maybe about a week later I get a strange email from Chime informing me that they closed my account due to some guidelines rules that they say I didnt follow. So I called Chime and I was told that u needed to verify a deposit that they received in-order for them to release the funds. I asked the lady because I knew that Chime charged {$100.00} fee to cash it, if they could just reverse the deposit back to the sender and they told me No. And that either I verified the check by sending over a copy of the paperwork from XXXX XXXX XXXX along with a copy of my state issued drivers license or id along with a copy of my social. I did all that 3x, the sent an email stating that my account had been closed and I needed to refer to their guidelines. And that they had no further info for me. Then I called back spoke with several people who informed me that my close out check for {$1900.00} was mailed to me on XX/XX/XXXX. Its now XX/XX/XXXX. And I still have yet to receive a check in the mail. Called Chime for an update on how much longer before I receive my money cause my car broke down and now I need to get my car fixed to get back and forth to physical therapy. XXXX XXXX XXXX still dont have a clue. And when I finally got through to Chime they told me that they are sorry to inform me but their not sending me a close out check and that they have no further information for me over the phone. And that I will receive an email. And the email states they are not sending me my money. That I owe interest on. This is against the law stealing peoples money for no apparent reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: InDebted Corporation
State: NY

Complaint narrative:
i have reason to believe you have my information on file i have never received a notice from you, i am requestion a debt validation notice including the price you paid for this account

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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: WI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account/ Account number XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above. I recently obtained a copy of my credit report and noticed that this account is being reported inaccurately. 
I am unaware of this debt I didnt have an opportunity to dispute this information. If you believe you gave me proper notification, then please send me the certified mail receipt with my name on it and my signature proving that I received it. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. I do not just want validation, I want verification as well. 
Additionally, I request that you cease all communication with me regarding this matter until it has been properly validated. Please note that any future communication should be conducted in writing. 
I also request that you notify the credit bureaus of this dispute and ensure that they mark the account as disputed on my credit reports. 
If you can not validate the debt, please remove it from my credit report and inform me of the action taken. Please respond to my request within 30 days from the date of this letter. Failure to comply with this request will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.

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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am complaining against Synchrony Bank for their refusal to remove a fraudulent inquiry from my consumer credit profile. Despite having filed reports with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, Synchrony Bank has failed to take the necessary actions to rectify this issue. 

I discovered a fraudulent inquiry on my credit report by Synchrony Bank. I immediately took the following steps : 1. Filed a report with the FTC.

2. Submitted a complaint to the CFPB.

Despite this, Synchrony Bank has refused to remove the inquiry from my credit profile, and sent a response to me challenging the validity of my identity theft matter. I have no open accounts from those inquiries and need them removed. All inquiries in which continues be furnished from Synchrony Bank to my credit profile negatively impact my credit score and overall financial well-being. Synchrony Banks inaction is not only causing me undue stress but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information from consumer credit reports. I respectfully request that the CFPB take immediate action to ensure Synchrony Bank removes the fraudulent inquiry from my credit report and ensures compliance with all relevant laws and regulations.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN FAMILY FUNDING GROUP Inc.
State: AR

Complaint narrative:
What I need help with was not listed. I had a 20 year term life insurance policy with American Family Insurance in XXXX, Il. which ran out of time last XXXX. I told them to cancel the policy when they contacted me about continuing with the much higher rate. I told the woman I did not want it and thought that was that. I was very clear that I wasn't paying an extra {$100.00} a month, that is what I told her. Apparently they were not ready to cancel and kept charging me for another ten months. For the entire 20 years I got a receipt every month in the mail... Not so for the last year. It seems deliberate. All I want is my premiums back for the last ten months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: STAR ONE CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX from Star One Credit Union ( SOCU ) is making unreasonable demands in regards to PMI ( private mortgage insurance ). We were sent a letter asking when we wanted PMI to terminate. We elected the 80 % loan-to-value ( XXXX ) threshold ; XXXX, XXXX is refusing to auto-terminate until XXXX reaches 78 %. When we insisted that the 80 % XXXX threshold for auto-termination is legally correct per federal mortgage standards, SOCU retaliated against us by demanding that we agree to a brand new appraisal for {$570.00} which they wanted us to pre-pay. Our current appraisal is barely a year old and clearly they are simply trying to squeeze us for every penny they can because our interest rate is below current market pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Social Security # XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a series of ongoing issues related to my mortgage assistance application with my Discover Home Loans. The process began in XX/XX/2024, and it has been fraught with delays and inefficiencies that have left me in an untenable situation. 

The reason for my mortgage delinquency is the untimely death of my spouse and subsequent loss of my job. Despite having provided a comprehensive set of documents and evidence to support my application, the lender has yet to review my request. Instead, I have received numerous rejections due to trivial clerical errors, all of which I have promptly corrected. Each time I call to find out the status I am placed on hold for an hour or more, and told that I cant speak with an underwriter. 

It seems that these minor issues are being used as a reason to indefinitely delay the review of my application, despite the urgency and gravity of my financial situation. 

This has been an incredibly frustrating and stressful experience. As a single mother and a widow, I am trying to navigate through my financial difficulties while also dealing with a lender who seems to have little regard for the hardships their customers face. The lack of empathy and urgency shown in handling my case is unacceptable. 

The current situation is causing significant stress and has put me in a precarious financial position. The continuous delay means that I will have to submit another round of documents, further extending this already lengthy process. I am committed to finding a solution to my financial situation, but I need my lender to show the same level of commitment and understanding. 

I kindly request your assistance in this matter. It is my hope that your intervention will expedite the review of my application and bring about a fair and timely resolution. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
my fed student loan was discharged in XX/XX/2023 for public loan forgiveness. i have made XXXX payments ( XXXX required ) which should be refunded. I have contacted XXXX and they replied Mohela needs to deal with it. Mohela has not responded.

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: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I received a class action check from CFPB in the amount of {$100.00}. My financial institution processed a charge back for the payment which has caused tremendous distress and loss of funds. 

I need to reach a live agent to help solve this problem ASAP

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: MI

Complaint narrative:
Fraudulent XXXX accounts were opened in my name as well as a XXXX XXXX XXXX loan. 

The amount for XXXX XXXX is {$7100.00}. I have spoked to XXXX and provided them with a police report on XX/XX/XXXX. Ive emailed several emails back and forth between me and XXXX and they assured me they would rectify this situation by removing the debt. 

A XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX loan was opened in my name in XXXX of XXXX for {$7000.00}. This too is a fraudulent account.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Per phone call, debt paid on XXXX through employer withheld funds. Also paid XX/XX/27 was {$1300.00} paid to the attorney from Michigan XXXX XXXX XXXX. Attorney is holding funds for XXXX days - understandable. But now they're telling me that it's an ADDITIONAL XXXX days until they can release funds. Although they personally verified that both employer and state tax had fulfilled the judgment in full XXXX months ago. Attorney refuses to release funds sooner.

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: OH

Complaint narrative:
I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent Equifax a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). Equifax sent a response to me stating that these accounts were verified and accurate when they are not. I sent Equifax another dispute on XX/XX/XXXX XXXX XXXX Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all XXXX credit bureaus. Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please refer to the attachments.

Company response to consumer: Closed with non-monetary relief