vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX  XXXX line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is 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 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX.This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX  line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My initial closing date was Friday XX/XX/2022 which was known since day one.  XXXX XX/XX/2022 my loan processing analyst states the earliest they could close is Wed XX/XX/2022. Friday XX/XX/2022 at XXXX I receive an email from XXXX XXXX XXXX that closing will be at XXXX on Monday XX/XX/2022. I received no notification from my lender, nothing about requesting to change the date or asking to change the date. At this point this also means theres not enough time to receive the closing disclosure document in the required XXXX business days so that I can review it. Also means I had to pool all my money into one account prior to when I anticipated to do so, so that I could send over the wire to the title company. I called my loan officer to see if he could forward me the documents so that I could review them. He for some reason thinks its a joke and starts laughing saying ill get everything. I let him know that I dont have access to the email that I have on the application and that I need the documents to be sent to another email. He assures me that when all the documents come in that XXXX send them to my email address. I am currently out of the country so am XXXX hours ahead of the loan processing department and have not received a single document. I have had other issues with this process so I am not fully confident that what is in the documents even are the same as when I received the loan estimate. Since the closing date was changed t XXXX on a Friday before the closing date there was no way to receive the closing document within the REQUIRED time frame. I still have not received the documents thus I can not sign them let alone read them. This entire process through this bank has been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank treats me horribke with my application first the verification process is so long I was approved for my macys XXXX account but they wont send me my card they refuse they cant even find an account in store. Or when I call them to request my card so frustrating and what do I do if no one can find my account how do I use it this is so unfair Im also XXXX and feel discriminated against.

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 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I reported to XXXX several times that the final bill was incorrect. The equipment charge for almost XXXX was incorrect, because the equipment was returned to their customer service store at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They refused to correct the bill, and after reported them this past year, they resold the bill to another collection agency Credit Management LP. I would to request an investigation into their dishonest buisness practices, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness practices.

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 2022-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I went through Rocket Mortgage to refinance my home loan. I informed them that I had to close In certain amount of time they said it would happen because I had to return to XXXX, XXXX. When it came time to close they rescheduled XXXX different times and acted like I wasnt leaving saying they didnt know. They then had me get a POA for my wife which I paid for and then their legal team said it wouldnt work. Then they scheduled and changed closing about 5 times after they argued with me and my wife saying that the paperwork would get to XXXX in 5 days well its been over XXXX weeks and they keep changing my pay out and interest rates and have already cost me money trying to get through this whole process I just feel they are incompetent and have know idea how to do things for a military member or Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX , and Experian ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and XXXX ) , and Account # :XXXX, Account Name : XXXX XXXX XXXX XXXX  ( reporting on XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-10 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: CA

Complaint narrative:
I would NOT rate this " bank '' a single star if it were possible. The fact that Chime claims that its " top priority is protecting [ their ] members that starts with keeping [ our ] information and money secure '' is already a false statement. 

On XX/XX/XXXX at XXXX PM, a total of {$300.00} were withdrawn from my checking account at a XX/XX/XXXX ATM machine in XXXX, CA. After receiving alerts on my phone about the transactions made, I immediately locked my debit card, called Chime customer service and was told to call back after the transactions had posted. Once they stopped pending, I called customer service again and filed for fraud, as I did not authorize the transactions. I had also requested a temporary credit as other banks do to assist their customers with fraud claims, however, they declined to do so. Chime responded to me via email on XX/XX/XXXX that after they " made a final determination regarding [ my ] claim, '' Chime bank " concluded no error occurred '' and " no funds will be credited to [ my ] account and this claim is considered closed. '' As their member/customer, I was not happy with their decision and immediately called to reopen the claim. 

To further help with the investigation, I emailed Chime on that same day ( XXXX ) at XXXX PM with attached photos of my location during the time the fraud incident occurred. Chime neglected to further investigate and stated the they " stand by [ their ] initial decision '' ( XX/XX/XXXX, XXXX PM ). Chime emailed on XX/XX/XXXX at XXXX AM stated they would be " happy to send [ me ] the documentations used in [ their ] investigation, '' which I immediately requested and was told I would receive the documentations within XXXX business day. It is XX/XX/XXXX and Chime has neglected to send the documentations as requested and continue helping me as their member/customer. 

I now refuse to continue using Chime " bank '' for any financial needs. I opened a new account with another financial institution and consulted an attorney for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My Loan with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. I just received my three consumer reports in XX/XX/XXXX and Santander Consumer USA has reported late payments to XXXX, XXXX and XXXX for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The account with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. And they reported the three late payments in XX/XX/XXXX. I contacted Santander Consumer USA and the representative told me that this is a billing error and that they would have it corrected and resolved to reflect on time payments for those XXXX months. This is now XX/XX/XXXX and they still have not updated my consumer reports. This has hugely impacted my credit rating. I have lost XXXX points because of this billing error. This has been very stressful for me to deal with these past XXXX months and Santander Consumer USA still has not corrected the billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OK

Complaint narrative:
I took out the loan XXXX XXXX 2022. My car was repossessed on XXXX XXXX 2022. My fiance grabbed the wrong title and sent it off by mistake, they tried calling me two times I guess to make me aware of this but I work in a rehabilitation center where we can not take our phones due to confidentiality they never left a message they never called my references they never called my job they just came and took my car. I have talked to a supervisor 's I have talked to the title department or talk to the repossession department they want me to pay {$500.00} just to get my car back I feel like this was taken on false also when I called to go ahead and pay the {$500.00} through my bank account they told me that XXXX payments were not accepted on the website and on my contract that I signed it clearly states that XXXX payments are accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX XXXXXXXX ( Reporting on Transunion , and XXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and Transunion ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on Transunion ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX XXXX XXXX XXXXXXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX XXXX XXXXXXXX ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I have tried to contact this company multiple times and they are saying they have no information about my account but the account shows up on my credit report. I have also disputed this multiple times with XXXX and it comes back as verified but there is no way it could as they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX  I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have 1 chase credit card with a balance of XXXX dollars. My credit report shows that I have a balance of XXXX dollars. I also have a debit card from chase and XXXX but they are fine ( 0 balance ). I need to know what these other cards are, and who put balances on them. I know for a fact that my passwords were leaked on the darknet. I dont know how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 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: PA

Complaint narrative:
I have 1 XXXX  credit card with a balance of XXXX dollars. My credit report shows that I have a balance of XXXX dollars. I also have a debit card from XXXX and XXXX but they are fine ( 0 balance ). I need to know what these other cards are, and who put balances on them. I know for a fact that my passwords were leaked on the darknet. I dont know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2022-04-10 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not been provided with written verification of a valid contract, detailing the valid debt in writing despite my request for it. The debt shows that I had utilities in another state started in 2021 other than the state I live in.

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 2022-04-10 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:
In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX XXXX XXXX Acct # XXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

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