vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2020 I filed a dispute in writing that was submitted to Chime Bank regarding a merchant not providing a service that was paid for for a total of {$5400.00}. After 91 days, at XXXX on XX/XX/2020 I received an email stating that a determination was made that no error had occurred. This alone has exceeded the 90 day time frame allowed for the bank to investigate the error. Further more, a dispute against this merchant was filed at the exact same time, for the same reason, with the same evidence at my other financial instituion. This claim at the other financial institution was found in my favor in only 45 days. Chime bank made no attempt to ever reach out to me, ask me any questions, and waited until the last second to send me an automated email at 21 minutes before 92 days had passed. This egregious behavior must not be allowed to continue as further investigation has showed this to be a repeated problem Chime Bank customers face when having to dispute a charge. I find it especially troublesome that my other financial institution was able to resolve this matter in my favor, in a reasonable amount of time, while Chime bank has done absolutely nothing. After contacting the merchant, they have no knowledge of there ever being a dispute from Chime bank, meaning the bank outright lied about the investigation even taking place. Furthermore, a manager at chime phone support dispute team told me they didn't even have to do this, and it was merely a favor they were looking into the charges disputed. I reached out to chime over 30 times and never once did they ask any questions or even allude to what was occurring, simply that XX/XX/XXXX there would be an answer. It is important to note that I was originally told by Chime the dispute would be resolved by XX/XX/2020 ( I have attached a copy of this email as well ) If my complaint is not addressed by this company and resolution reached, I will move forward with my own legal counsel in resolving this matter, including a class action lawsuit against Chime, XXXX XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
XXXX XXXX provided by TD Card services website is more difficult than an average website to make a payment. Due to the confusing set up of the website and several links I had navigate through I missed a payment when I thought I had submitted the payment. This issue caused the servicer TD Card Services to report to the credit agencies that I was 30 days late on a payment that was around {$30.00} or so. My credit limit, without notice, was then reduced from more than {$1500.00} to less than {$500.00} placing my credit utilization to over 90 %. Because of this my credit has been severely negatively affected. I called in, waited on hold for nearly 45mins and paid off the remainder of the balance once I found out and contacted the company to resolve the issue. I was then redirected to the website to fill out a form but because of the confusing layout of the website I have been unable to locate said form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze  account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question May- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.

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 2020-09-09 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: IL

Complaint narrative:
Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the  next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX  paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments  on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking through my bank statement today and noticed a charge for {$26.00}, that's been taken out every month since 2017! 

After looking into the charge and my emails I found it was from a credit site called Transunion but never signed up for them. 

I was under the impression that these emails were junk sent from a money gram service under a similar name as I've sent money orders in the past at XXXX. 
As for the charge on my bank I thought it was XXXX since it read TU*union. I have no idea how to even cancel this since I don't recall singing up in 2017 and don't trust clicking on there questionable website.

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 2020-09-09 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: BMW Financial Services NA, LLC
State: OR

Complaint narrative:
After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my five kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from BMW didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts BMW decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why BMW would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am homeless. This is how BMW handles consumer issues by causing consumer harm? I have no where to move my children to - BMW incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead BMW has taken a single mom and made her homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-09 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Re : Loan # XXXX, property address XXXX XXXX XXXX, XXXX Texas XXXX. On XX/XX/20 the property was sold. On XX/XX/20 Escrow was paid in the sum of {$5000.00}, which includes {$1200.00} homeowners insurance. The due date for the insurance was XX/XX/20. XXXX XXXX never received the {$1200.00} payment. The payment was returned to Loancare.

I tried calling Loan Care on many occasions to get reimburse for the {$1200.00} and has been transferred from on representative to the next. I ended up talking to 6 different representatives, then was disconnected. I requested to talk to a supervisor and the  representative told that no supervisor was available and transferred me to the insurance department. The insurance department verified with the representative that the {$1200.00} was returned to the mortgage escrow. 

On XX/XX/20, after multiple transfers, I spoke with the insurance department and XXXX agent # XXXX, XXXX spoke with his supervisor XXXX agent # XXXX, who inform XXXX to let me know that in order for me to receive the {$1200.00}, I would need to send an email to the cashiers department. On XX/XX/20 I sent the email to the Cashier 's Department as instructed, and received an immediate automated email response with ticket # XXXX. 

On XX/XX/20 I called Liancare to follow up and the representative told me that they received the email and are reviewing the escrow and the case should be resolved by XX/XX/20. I have being calling since then and Loancare kept putting me on hold then disconnecting the calls.

Today. I called and spoke to one representative he transferred me to his supervisor. I gave the supervisor the tickect # XXXX and explained my case,. The supervisor said, " Hold on let me look into this. '' He put me on hold then disconnected the call. I called back again and spoke to another representative ( XXXX ), and she told me that she see where I should receive a refund but they are still reviewing the escrow. This loan was paid off since XX/XX/20. 

Plus, they sent a payment from escrow to Mortgage insurance in the amount of {$200.00} on XX/XX/20 which that money should have been refunded to us. 

I am frustrated with loancare for giving me the run around. I need your help in recovering the funds. Thank you 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 explanation
Consumer complaint received 2020-09-09 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: OR

Complaint narrative:
After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was  over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my XXXX kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from XXXX didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts XXXX decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why XXXX would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am XXXX. This is how XXXX handles consumer issues by causing consumer harm? I have no where to move my children to - XXXX incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead XXXX has taken a single mom and made her 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