vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I made a transfer on XX/XX/XXXX from my XXXX  account into my chime account. The transfer was for {$180.00}, XXXX  was suppose to instantly transfer this money yet the funds was not showing in my balance. I contacted chime & spoke with a supervisor who confirmed my balance wasnt correct & that XXXX  initiated my transfer as a refund, so it wouldnt show in my chime account until XXXX business days later. From XX/XX/XXXX to XX/XX/XXXX Ive checked my chime account balance to see if my refund was returned & it wasnt so i reached out to chime today who told me the refund was sent to my account XX/XX/XXXX. I also reached out to XXXX  who said they can confirm chime received the funds, but yet my balance is still wrong. Chime is trying to tell me Ive already received my refund and spent it due to transactions i made after making this transfer which is incorrect again. Ive researched to see who else has not received money from chime & of course Im not the only one complaining. I read one person had to contact yall and get a lawyer to get his funds back which seems like i have to do as well being that i never received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NV

Complaint narrative:
I was directed to the XXXX XXXX XXXX  with XXXX XXXX  to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX  sent the denied credit to the 3 credit agencies and my score dropped between XXXX points. When I contacted XXXX XXXX  they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.

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 2022-10-05 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity sold past accounts to XXXX and XXXX. I paid my debt as requested and provided a letter of deletion to XXXX and XXXX to which they agreed after communicating with Comenity. Comenity advised by phone that they would have the derogatory " closed '' accounts removed from all 3 companies. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on multiple dates going back from 2019 to current. These have still not been removed from ALL reports. I'm demanding these be removed immediately. I've done everything as requested and I've found from others Comenity has done this to many people. I'm reporting the company to XXXX  and CFPB for help before seeking the courts attention to this matter. These derogatory closures are preventing me from moving forward with my job, purchasing a home etc... Comenity and XXXX both knew in advance my wife was diagnosed with XXXX XXXX. She was unable to work, XXXX XXXX XXXX XXXX XXXX and I was taking care of keeping up with the household bills, medical, medication and kids. This is why they agreed to remove completely since I paid off per the judgement ordered. When these lines of credit were obtained our income could afford the monthly bills. Unfortunately, we didn't think XXXX would hit a XXXX XXXX XXXX woman without any signs or notice. I simply want to move forward and I've gotten my hopes up only to be failed over and over again. This isn't a good light for comenity and how they treat their customer and failure to keep their promise when the customer has done everything asked. Please remove the below accounts from my credit reports. 

The below accounts need to be removed immediately. 
Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity Bank/XXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX XXXX XXXX and XXXX XXXX XXXX ) Comenity BankXXXX XXXX, XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity Bank/XXXX- XXXX, XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX 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 2022-10-05 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: AL

Complaint narrative:
all inquiries from XXXX XXXXXXXX and XXXX XXXX  are fraud

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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
They have repeatedly called me almost everyday for about a year. Some times there is a day or two gap in calls but they call me Atleast 4 times a week. I never return calls unless a voicemail is left or I know/recognize the number, and I NEVER answer unrecognized numbers. Almost every time they call its from different numbers but the same area code ( XXXX ) and the caller ID just says XXXX, Ok. I dont know how many phone numbers this company has but good lord theyve called me from probably XXXX different numbers, which as you can understand makes blocking them impossible. I do have some debt collectors sending me mail but these phone numbers or company name ( CBE group? ) are never on the paperwork so I have no idea what these people want and Im not talking to them. 

The other day it changed when the caller Id said CBE GROUP and I had something to go off of so Ive been looking into them. The reviews are downright scary. A lot of people saying harassment, lots of calls, rudeness, scam-like behavior, demanding personal info without giving any info themselves about why theyre calling. 

I have no idea who these people are or what they want and I refuse to talk to them. I just found out about this bureau and being able to make a complaint. PLEASE HAVE THEM STOP CALLING ME FOR THE LOVE OF XXXX STOP CALLING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I enrolled in this offer back in XX/XX/XXXX on my Amex XXXX XXXX XXXX : " This holiday season, use your XXXX XXXX American Express XXXX XXXX to get closer to your next Hilton stay. 
Once enrolled, spend {$8000.00} in eligible purchases with your Card by XX/XX/XXXX and earn a Free Night Reward. 
Plus, continue to enjoy great benefits on travel and more, including 3X Bonus Points on all eligible purchases. '' I spent over the {$8000.00} as this was a busy holiday/ski season and this is my primary credit card. I knew to wait about 4-6 weeks after the end of the offer and contacted Amex via chat and phone call after those 4-6 weeks several times. I also was to receive a free weekend night for a minimum spend on a new XXXX XXXX XXXX XXXX  and an anniversary night for my XXXX XXXX. I was specifically told XXXX XXXX XXXX XXXX that I would be getting another reward night but this never happened. When I called in XX/XX/XXXX I was told I would not be eligible for more than 2 free nights per account despite the fact that the offer was valid outside of the annual/new sign on rewards. The correspondence I have received either via phone or chat has been murky and conflicting each time. I will attach my chats. I was last told via phone that my 3rd free night would arrive by XX/XX/XXXX but that hasn't happened- the rep seemed very confused and at one point told me to wait another 4-6 weeks but I reminded him the offer ended in XXXX. This rep agreed but then was referencing an offer from XXXX! Basically, I should have received 3 free night rewards but I have only received 2 and I can't receive a definite answer as to where my 3rd night is. The 3 free nights should be for- sign on and minimum spend for XXXX XXXX XXXX ( was a few XXXX and I reached it ), my anniversary for XXXX XXXX XXXX and the XXXX spend for the XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy ofmy credit report when the above deletion has been removed.

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 2022-10-05 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: FL

Complaint narrative:
In accordance the Fair Credit reporting act XXXX  account # XXXX or account name XXXX 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 report 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 2022-10-05 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/1990 Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : BMO HARRIS ; Account # XXXX To Whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also having a PAST DUE BALANCE OF {$3400.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: VA

Complaint narrative:
Real Time Resolutions ( RTR ) has failed to follow federal rules with regard to the 2nd Mortgage/HELOC I have with them. 

Everything worked well when XXXX! was servicing this loan. 

Since RTR took over the loan : -I haven't gotten a payment history as a matter of routine. 
-I have not gotten notice of how my payments were applied. 
-I think the loan type has changed, but I'm not sure. 

Additionally, an RTR Rep told me recently that there are fees carried over from the time when XXXX XXXX had the loan. I had never heard that before. 

RTR Reps always mention their website for answers to my questions/concerns, but their website does not work. My attachement documents my troubles with the site and communication from RTR about the site. I have handwritten notes on the pages for clarity. 

I only got information from RTR when I disputed the legitimacy/their authority to service my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I filed a borrower defense claim in XXXX with the US Department if Education. In XXXX of XXXX, I was approved for full relief and to be completed within 180 days of that notice. The balance is still showing by the loan service Aidvantage. Aidvantage has told me that the Dept. Of Education hasnt forwarded them documentation stating the relief was approved. The Dep. of education says otherwise. They say theyve forwarded that relief, but cant provide me with a date to narrow it down. Repeat attempts to get information and/or resolve this issue have gone nowhere with both Aidvantage & the US Dept of Education . I need help as it seems no one can help on either side. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under XXXX XXXX XXXX Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

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

15 U.S.C. 1681 ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CO

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND XXXX XXXX SEVERAL TIMES EXPERIAN SAYS AN ACCOUNT IS VERIFIED AS ACCURATE HOWEVER THE COLLECTION AGENCY WHO PURCHASED THE ACCOUNT FROM XXXX XXXX VERIFIED THE ACCOUNT WAS FRAUD AND REMOVED IT. 

FTC REPORTS AND POLICE REPORTS HAVE BEEN FILED AND SUBMITTED TO EXPERIAN FOR EVIDENCE OF FRAUD AND ID THEFT FTC REPORT # XXXX IS FOR XXXX  XXXX ACCT XXXX THE ACCOUNT IS CLOSED. 

EXPERIAN WAS ASKED IN XX/XX/2022 AND XX/XX/2022 TO PROVIDE INFORMATION TO VALIDATE EXPERIAN SIMPLY STATED THEY ARENT REQUIRED TO GET DOCUMENTS FROM THE DATA FURNISHER. 

1 ) I ASKED EXPERIAN TO PROVIDE THE METHODS USED TO VERIFY THE ACCOUNT 2 ) THE NAME AND ADDRESS OF THE PERSON WHO VERIFIED THE ACCOUNT 3 ) PROVIDE THE DOCUMENTS USED TO VERIFY THE ACCOUNT. 

AS OF XX/XX/2022 EXPERIAN IS STILL VIOLATING MY RIGHTS UNDER THE FCRA UNDER FCRA 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 
ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C 1681 ECERY SINGLE ONE EVEN EACH ANY OR ALL THE UNPROVEN, NON-COMPLIANT, UNTURE OR INCORRECT AND UNDERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMTPLY NEGATED IN ITS ENTRIETY OR THE ALLEGED ACCOUNTS ARE TO BE REMOVED I AM NOW ENACTING MY COMSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH PERSMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS BY THE PROVISIONS OF THE FCRA AND PERS THE STANDARDS OF REPORTING COMPLAINCE I, PLEMENTED WITH THE XXXX  ENACTED XXXX  METRO 2 COMPLIANCE REGULATIONS, I DEMAND THESE ACCOUNTS BE REMOVED PLEASE UPDATE MY REPORT AND SEND ME A COPY

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 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery is calling my phone at least twice a day and often with a fake caller ID name. This has been going on at least 45-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX 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 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX 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 2022-10-05 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: IL

Complaint narrative:
I've been working on getting these accounts off my credit for about two years. None of these accounts are mine. I've never filed XXXX in my life.

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 2022-10-05 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 XXXX Accounts # XXXX, # XXXX, # XXXX and XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2022-10-05 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:
In accordance with the fair Credit Reporting act XXXXt Accounts # XXXX, # XXXX, # XXXX and XXXXXXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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