vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: KS

Complaint narrative:
XXXX had a link that said to click to learn more. It automatically signed me up with Xoom. I do not want the service and had no chance to confirm the subscription. It automatically signed me up. 

Then, I've sent at least two, possibly three, but two that I can remember, requests for them to delete my account and data as I do not want the service. The first request was almost immediate it and was ignored. The second request they said they would delete my account but not my data. 

Now, I just got an updated privacy policy and my account is still active. 

I don't want this service and was tricked into signing up for it due to their misleading use of hyperlinks. 

Included are the following attachments : 1. first tech support response - showing my first ticket submitted XX/XX/XXXX 2. marketing email on XX/XX/XXXX showing my account still active 3. confirmation of second support ticket 4. confirmation of removing my account 5. refusal to delete my data 6. A privacy policy change indicating my account is still active 7. me putting my email in showing the account still exists, but not logging in I didn't log in on the last one as I don't want to do anything that can be construed as me reactivating the account. 

They are doing this intentionally, and I'm sure they are doing it for many others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: GA

Complaint narrative:
I, XXXX XXXX, a consumer, am here to express and resolve my problems I am having with Chime. I have been a chime member for almost four years and Ive never had money stolen out of my account but as I brought this knowledge to Chimes attention by filing a claim, they denied my claim within 3 days after explaining to me that it would take at least 90 days to fully investigate my claim. I contacted chime on XX/XX/2022 to inform them that almost {$5000.00} of unauthorized charges had been places on my account while I was incarcerated. No one I am connected to had any access to account and my card was still in property. I let them know that I had absolutely nothing to do with any transactions that were placed on the dates XXXX/XXXX/2022 through XX/XX/2022 and that I was not aware of any of these transactions until I was released on XXXX/XXXX/2022, the day I called to make my claim. I am highly upset with chime and I dont feel as so I was treated fairly, I informed them that half of that money was my rent money and I had no other way to pay until I received my funds, so I was at least looking towards a temporary credit to my account so noticing my claim got denied within 3 days left me utterly confused and completely in distraught. I had no back up money and that led to me getting evicted out of my home, Chime has failed and gave me no explanation as to why my claim was denied and since they clearly dont care about their costumers I am going the extra length reaching out to the bureau because I know you all will take the right time to fully investigate my claim. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got an email from Chase about my monthly statement but I cant login. I received a letter saying my account would be closed so Im kinda confused. I didnt do anything for my account to be closed and I dont think its fair that other people can have a relationship with Chase Bank but XXXX cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ARS account resolution services XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 disputed with credit bureaus and filed XXXX  Complaint on both companies to dispute this. 

I am a XXXXXXXX XXXX XXXX XXXX all my healthcare is through the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I have no knowledge of this account and want it removed and marked as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hasviolated my rights. 



I did not consent on and inquires on my 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 2022-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 I made a payment for {$1800.00} to clear my balance. Once submitted, I immediately received an alert claiming potential fraud and to call customer support. I called support and was told they would need to call my bank to verify I am the owner of the account. The first rep called my bank and stated they couldnt verify my account because they didnt have my account information and that there was nothing that could be done. I was then transferred to a manager who said I would need to upload a bank statement showing my account number. I uploaded the bank statement and the manager stated he could not use it because it didnt show the payment for the same day. I explained that I could send transactions but a bank statement for XXXX transactions is unavailable because it is STILL XXXX. The manager said oh well and that I would need to wait til XXXX and that I would not be able to use my account. I then requested to file a complaint and the manager refused. This is beyond unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CO

Complaint narrative:
My student loan amount of approximately {$12000.00} was handed over to TrueAccord after falling slightly behind. TrueAccord immediately flooded me with phone calls, texts and emails trying to collect more than double the amount owed at {$28000.00}. I asked for reasoning and received no clear response. This seems unjustified and illegal since I had already made multiple payments totaling over {$1000.00} on the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to Experidan and XXXX, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. 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 explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Starting in XXXX of 2022, I decided to make a plan to pay off my mortgage by applying an additional {$2000.00} towards principal every month. I reached out to Chase Mortgage at least 4-5 times during the year because they were applying most of my " principal '' payments towards my regular mortgage payments. My regular payments are scheduled monthly through my bank. I was writing separate checks that specified " principal '' and the amount, which by no means could have been confused with my regular payment. Sometime in XXXX, I finally needed to escalate my calls to an Executive Director, XXXX XXXX with Chase. I literally had to explain to him how to read my monthly statement that they sent to me. He said he understood my problem and once again, they would fix it ( for the forth time ). All XXXX XXXX did, after promising to fix the problem, was to send me the print out of where my principal payments went. It has still not been resolved. How many others are they doing this to? I was on a plan to pay off this mortgage in 37 months. It's obvious they are doing everything in their power to " not '' allow me to pay this mortgage off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
There are XXXX things that need to happen here. I am XXXX and am clearly being discriminated against. Another man, XXXX, and I shared an XXXX. He left with no notice leaving me alone to resolve the closing out and cleaning which I accepted. I was told what the total was and paid it. Then I received another bill for other issues but included were repairs and charges that were false. I made the company manager aware of the excessive charges and nothing was corrected and no mention of leaking XXXX and damage which lasted over XXXX weeks. I had to move out XXXX weeks because of mold and odor. I sent XXXX Notices with details and pictures and contacted the other man sharing the apartment only to find I was the only XXXX being threatened and charged and I was in second position on the lease and only paying XXXX third of the lease payment. I have witness ', XXXX that will sign affidavits the the carpeting, sink and screen door were already needing replacement when I moved in. I required people to take off their shoes when entering from the beginning. I had to send the Notices to the collection agent as the manager would not speak to me directly. I have tried my best to do right and correct this but it has become obvious that they are taking advantage of the situation at my expense. I reported things when I moved in as a guest with XXXX right away and they didn't get fixed. It was into the XXXX week before they fixed the lead in the XXXX unit which created a mold condition. Several other charges are for things that were already in dis-repair before I moved in which was reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I was under covid forbearance with Shellpoint Mortgage prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. Shellpoint reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. Shellpoint 's actions were abusive and unfair and I want them to remove these delinquencies from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have unauthorized inquiries on my credit profile that i did not apply for. ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize to open a line of credit with XXXXXXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize to open a line of credit with XXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.

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 2022-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to XXXX and Equifax, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have unauthorized inquiries on my credit profile that i did not apply for. ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  Equifax mortgage service ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: U.S. BANCORP
State: CA

Complaint narrative:
I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans

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 2022-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau : This complaint is against Bank of America , N.A . for not horning my request to place funds back into my account that should have automatically been debited back to my account by the merchant. 

I am attaching the evidence of a claim that I submitted on XX/XX/2022. It is now XX/XX/2022, and Bank of America , N.A . can not produce any official evidence from the merchant showing that such funds were authorized by the merchant. I have requested Bank of America , N.A . to show certified validated proof of entitlements to such funds missing from my account Bank of America , N.A . has not been able to provide me anything. 

I live off PROPER RECORDS, I need Bank of Americas proof showing the return of the deposit and proof of the merchant returning a total of {$2200.00} back to my account or any act or actions performed by the merchant in an attempt to resolve the matter after many and several attempts to resolve the matter before filing a dispute. 

I refused to give up my rights or waive such rights after entering a binding agreement. The merchant performed a Breach of Contract which made me fully entitled to the funds disputed and could have been more if arbitration is needed or necessary. 

Until then my funds need to be replaced or returned back to my balance in my Checking Account ending in XXXX. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24 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: MN

Complaint narrative:
Request to provide document I sent your company my dispute on XXXX/XXXX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: GA

Complaint narrative:
Deceptive Business Practices | Sales Pressure Tatics : We signed a purchase contract with Pulte Homes on XX/XX/2022. As the home neared completion in XXXXXXXX XXXX XXXX  several representatives from Pulte Homes pushed us to wire funds and close escrow early without the home being completed. Many items that were finished during the final walk thru are now damaged. We believe Pulte homes removed items from our home to use on other homes after we completed our final walk thru. We closed escrow on XX/XX/2022 and the home is not 100 % complete.

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 2022-11-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Request to provide document I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2022-11-24 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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