vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: IL

Complaint narrative:
I reached out to XXXX XXXX, XXXX  and Equifax buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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 reached out to XXXX XXXX, Experian and XXXX buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.

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 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX To : Select Portfolio Servicing , Inc . 

From : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Select Portfolio Servicing, Inc. Loan # XXXX Please be advised that I was approved for a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, said loan having been owned by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX selling the loan to XXXX XXXX XXXX XXXX. XXXX and these servicers did not require windstorm coverage. Then, my loan was sold to XXXX on XX/XX/XXXX, and you, as the loan servicer, have claimed windstorm insurance coverage is required, I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income and expense guidelines. Youre own insurance department has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the XXXX XXXX XXXX, and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
Allied International Cerdit Corp XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX sent me a debt collection letter saying that i owe XXXX {$71.00} i do not have an XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
I bank with Chime. Chime is an online bank and someone was using my chime debit card number to make online purchases ( I DID NOT AUTHORIZED ANY OF THESE TRANSACTIONS ). This person stole {$22000.00} of my money. This person also created a XXXX XXXX account & tried to file my taxes for the 2020 year. They also made account changes to my chime spending account : Added a phone number to my account ( At least twice ), Enabled/Disabled the transactions for my Chime Visa Debit XXXX ( multiple times ), Added and/or removed my debit card number from XXXX XXXX, Added and/or removed my debit card number from XXXX XXXX. My attachments are detailed and list everything that this person or party stole from me. IAW every single POLICY that Chime Bank has they are wrong in denying my Unauthorized transaction claims. Chime is in Breech of their own User Agreement : I did not make any of the Transactions that I dispute. Chime did not even investigate. IAW the Visa Zero policy & with their own user agreement they need to give me my money back. If you read Chime 's reviews on the XXXX you will see they are not treating customers right, and don't investigate claims properly. I have documentation two days after the first fraud purchases was made that I told chime that I believed someone committed fraud. I asked them to cancel my debit card and they did not. I had no access to my account and no way to access it. I needed a cell phone in order to receive an 2-factor Authentication code and I did not have a cell phone. Chime was told this over and over again the only way that I was aware that anything happened was because I received some email notifications : one adding a phone number that wasn't mine, some stating my debit card was declined and some adding or removing my card from XXXX or XXXX XXXX. Chime did nothing to help! These charges was made online I'm not sure of all the places but most were in XXXX and XXXX Chime told me they was going to cancel my debit card and issue a new card number and this was their policy but they did not. I was told this 4 times. I also told chime to cancel my debit card on XXXX XX/XX/2020, they did not! I again asked them on XXXX XX/XX/2020 to cancel my debit card and they did not. Chime failed me like they have failed many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a transfer to Binance.US from my Trust wallet in the amount of XXXX BNB. I forgot to add the memo number which is required to receive funds. I submitted a ticket and didnt hear back for 10 days. I had to reach out on XXXX to get a response. They asked me for numbers and screen shots and I sent them and still havent heard back from them. My ticket number is # XXXX. 

The customer service is non-existent. They allowed more customers to sign-up without employing enough people to cover potential issues. Having my funds not available in a reasonable amount of time is acceptable. Further, if this gets resolved they will be charging me a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Amerihome mortgage has deducted payments from escrow in error. Acknowledging they paid insurance 3 times ( two in error ) but have failed to resolve or replace funds in our escrow. Furthermore our insurance company has denied ever receiving the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My XX/XX/2020 loan payment was drafted from my account on XX/XX/XXXX but Lakeview Loan servicing said they didn't receive it. After getting all of the documentation sent to them and weekly calls starting XX/XX/XXXX, they stopped responding to my inquiries. I called them at the end of XXXX, and I was told that they returned my mortgage payment to my bank in a " bulk check '' which I later was told meant they returned multiple payments without an explanation. Nobody could answer why it was returned, just that the " check was in the mail '' on XX/XX/XXXX. To date my bank has not received the check, and I have not received credit for this payment that I am still out. I had to submit another payment to keep my account from being reported, but I still do not have my money back.

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I opened an Account with HSBC Bank on XX/XX/2021 with {$10.00}. a Few days later I was advised by them that they were closing my account. They have not provided a reason why and they still to this date will not release my funds to me. I have made multiple attempts to contact them. They say go to a branch but I am over a 900 miles from the closest branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been attempting to repair my credit for the past 6 months and my attempts through Equifax has caused and continue to cause emotional and financial injury. Early on in the process they claim that they couldn't accurately verify my identity. The security questions that they asked me isn't any of my information. They requested that i send in documents to prove my identity. I sent the documents in 2 months ago directly after I spoke with someone over the phone. Now today, I attempt to pull my credit report again and im still having the same issue. NONE of the security questions apply to me. Evidently my report is crossed with someone else 's or someone is using my social security number. I am on hold as I'm typing this and i've been on hold for an hour and 30 min trying to rectify this exhausting situation. I have asked to speak to a supervisor and they keep telling me the supervisor is on the other line. I ask to speak to another supervisor and they say that ALL of the supervisors have been on the other line helping other customers ... For an hour and 30 minutes. This XXXX person that i am speaking to continue to place me on hold and continue to disregard my requests. I can't properly dispute the items on my credit report if i can't gain access to my credit report via Equifax. Equifax is the only CRA that is giving me problems. I don't have this issue with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON XXXX XXXX I MADE CONTACT WITH CAPITAL ONE NA ABOUT A INQUIRY DONE ON XX/XX/20 I DID NOT AUTHORIZE THIS TRANSACTION, I TRIED CALLING BACK AND GET HUNG UP EVERY IME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent transunion and XXXX letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below

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 2021-02-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

Navy federal opened XX/XX/XXXX owed {$3100.00} XXXX XXXX opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. WELLS FARGO XXXX XXXX  Inquiry : XXXX XXXX, XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After several attempts of trying to solve this problem with Equifax they are still reporting negative information to my credit report they are reporting inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which are all false and inaccurate I called them and talk to a rep named XXXX employee number XXXX He was a rude and nasty After I told him I already sent the documents over 45 days ago and that they are requesting Equifax they lost the documents that I sent over and is not complying with the FCRA guidelines which gives you 30 days to respond or it must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2021, I personally reported my XXXX Netspend card stolen on the Netspend app and I subsequently placed an order for a new card. On XX/XX/2021, around XXXX XXXX PST, I called the Netspend customer service line at XXXX and several customer service agents gave me the runaround by not answering my questions after giving them a ton of personal identifying information. Each agent that I spoke with verified the information several times and ended up not assisting me with a replacement card nor have they answered my questions. Instead, they kept putting me back on the automated recording where the system did not recognize my SOCIAL SECURITY # I was able to verify my account with before.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase online for some living room furniture from XXXX XXXX XX/XX/XXXX in the amount of XXXX. By XX/XX/XXXX I still hadn't received the furniture and requested a refund on XX/XX/XXXX. 

On XXXX/XXXX/XXXX I was given a delivery date the week of XX/XX/XXXX. 
XX/XX/XXXX my credit card with Chase Bank was charged {$2800.00} After several more requests for an update on XXXX/XXXX/XXXX I was given a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I was given a delivery date of week of XX/XX/XXXX I as informed on XX/XX/XXXX that the " authorization charge '' had been cleared, however Chase had billed me and I have paid the {$2800.00} which, so far, has not been refunded. 

On XX/XX/XXXX I opened a complaint with Chase and was told it would be looked into. I have provided extra information including all the promised and missed delivery dates, and the fact that I canceled my order and requested a refund. 

Today XXXX XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Chase to tell me my claim has been denied and that the disputed balance will show up on my next card statement, so now I'm going to be paying twice? 

I need for Chase Bank to refund the {$2800.00} that the merchant is refusing to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: I.C. System, Inc.
State: NY

Complaint narrative:
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were I C SYSTEM INC| Account Number XXXX I C SYSTEM INC| Account Number XXXX XXXX XXXX XXXX / XXXX Account Number XXXX XXXX XXXX XXXX| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.

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 2021-02-22 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: TX

Complaint narrative:
i sent XXXX and equifax letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below

Company response to consumer: Closed with explanation