vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX my account was closed down. I have banked with CHIME for 4 years. I recently this year decided to do my taxes with chime. Once my refund deposit of XXXX $ was deposited chime froze my account. I went through verification over the next 4 days they wanted me to prove that it was me, and my deposit. I had to upload my 1040, DRIVERS LICENSE, social security card, BIRTH CERTIFICATE, irs transcript, irs acceptance letters and more. I provided all documents that were needed and I got a response from multiple supervisors that they were going to issue my closure check for the remaining balance of my account. I have been getting emails from chime now basically telling me that Im there not sending me back the money I work hard for. Chime has taken money from multiple people I no and I will not accept it and willing to fight for what is mine. They even sent me a email telling me to provide how I made my money in the state it was deposited really trying anything to not give me my money, I proved that to the IRS and showed how that is in fact my money. I am reaching out to legal teams and is ready to fight

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I was trying to get an appointment for a XXXX XXXX slot in embassy in XXXX. A person reached out to me over telgram that he can help me get an appointment. I shared my account credentials with the person after which he changed them and sent me a fake evidence showing that he got appointment. The merchant then asked me for {$150.00} and asked me to send them via remitly. Once I sent them via remitly, the person claimed that he did not receive the money. He refused to give me my account 's credentials/access back until I sent money again. Then again I had to send {$100.00} to person and this time again the merchant made up another excuse that they can't withdraw money and that's why they can't give me the credentials. So I was scammed by {$250.00} due to this. Later I was able to regain access to my XXXX XXXX account by trying random email/password and I could see that there was indeed no appointment scheduled. 

I have asked the person to give me my money back but they have completely stopped responding to me and claiming it wasn't indeed a scam. I have contacted remitly and they are refusing to help as well. Lastly, I contacted my bank ( XXXX ) through which I made the credit card payment and they said only remitly can help me here. 

Hence writing this complaint to request that CFPB please help me resolve this with remitly and help me get my money back. Thanks! 

I have attached the entire chat history screenshots and proof from visa portal that appointment wasn't updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
My landlord sent baseless debt of {$370.00} owed to the debt collection agency on XX/XX/XXXX. The debt is under my name and two others. The agency never sent me any written information about the debt. They claimed to have sent letters, but sent them an old address when I already updated them with a new one. They claim I never did that. They claimed to send emails, but I never received the emails. They said they sent the emails from a different email address than the one I emailed them with. I have called multiple times, and sent documentation to dispute debt via email on XX/XX/XXXX. When speaking with them on the phone, they pretended I didn't send a dispute. I recorded this phone call with their permission, and this time they let me send a second dispute. I called many times asking about the dispute, but never received anything in writing. I sent documentation with the dispute. On the phone ( XX/XX/XXXX ) they told me that the documentation was not sufficient to dispute the debt. They have not sent written notice or advised me on how to challenge this debt in small claims. They stated that they are the only agency that can dispute a debt, and they are a fair third party. The agency has not provided the documentation from my landlord that they claim validates the debt. I do not understand how this debt is valid, and I have not been given written and concrete information about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
My auto loan from US Auto sales was sold to Westlake. During this transfer, my warranty and gap insurance which is included in my monthly payments has been voided. Although voided, Im still required to make the same payments without coverage. Additionally, previous payments made to US Auto Sales are not being reflected. My balance current day is the same, actually higher than what it was the day I drove off the lot

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Sapphire XXXX advertises XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I filed a claim 2 months ago over a Trip Delay caused by weather on a flight I purchased through Chase. 
Our first flight from XXXX to XXXX XXXX was delayed due to inclement weather. This caused us to miss our connecting flight from XXXX to XXXX, which caused us to stay in XXXX center with a friend. XXXX XXXX rebooked us on the next flight to XXXX the next morning. Because of flight delay, I called a Chase travel advisor who said I could pick up my rental car at a new time, any time before XXXX on XX/XX/XXXX at the same location in XXXX XXXX When we arrived to XXXX, we arrived at XXXX to XXXX but it was closed, and the signage said it closed at XXXX. XXXX would not answer their phone number, which the Chase travel advisor had given me. We were forced to book a hotel for the night in XXXX. We were forced to cancel our XXXX reservation because a new Chase travel advisor said we could not pick up the car the next day, so we had to rebook at a higher rate. 
I explained all of this in the claim, including the proof of purchases and amounts. The Card Benefits Services used by Chase has had horrible service. After 2 months of processing, they denied most of my claim. I tried speaking with a representative multiple times yesterday and today ( XXXX and XXXX of XXXX ). They are either hanging up on me on purpose, or their phone service is severely congested, to where every time I call, the call drops within 5-10 minutes. It is impossible to get anywhere if the call continues to drop. 
On top of this, the representatives have been rude and give me conflicting information, changing their explanation for why my claim has been denied. Every time I ask for a supervisor, the call drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/ for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-08-11 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: CBC Companies, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE THESE UnAuthorized Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX  to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: PA

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: CA

Complaint narrative:
I found inquiries on my credit report that do not belong 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 non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-14 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MA

Complaint narrative:
They keep calling me, and left this message Im Hi this is XXXX from XXXX XXXX I'm a debt collector ID number XXXX this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach us at XXXX or chat with us online at XXXX XXXX paid COM Monday through Friday XXXX XXXX  to XXXX XXXX  Saturday XXXX XXXX  to XXXX XXXX  central time you can also use our secure payment portal at any time XXXX  again I'm a debt collector with XXXX XXXX and can be reached at XXXX if we have the wrong number please give us a call and let us know thank you I called back and told them I owe no money to no one, they told me they were looking for a XXXX, I told them I dont know a XXXX and have had this number for a number of years, now thy just called me again looking for a XXXX XXXX I also reported the call to the do no call registry. Please stop these predators. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We opened a business account with Bank of America on XX/XX/2023 and we have received checks made out to our company but the bank will not allow us to have access to our funds at least 10 days later. They are holding our checks as they see fit. Initially we were told the funds would be available the next business day or if there was a hold it would be on checks over {$5500.00}. We have had checks under {$4000.00} deposited and they are holding them for 10 business days or as they see fit as we were told by a branch manager. I asked for a copy of a signed agreement where these terms were specified but there is nothing we signed agreeing to that. Our business has been negatively impacted by this bank since we can not access our funds in a timely manner. I believe they are holding our money unjustly and doing whatever they want with their customers. They are misleading and they did not disclose any of this information at the time we opened our 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 explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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.

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