vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On Saturday XX/XX/XXXX, I called Chime to check on my account. The agent that answered directly from the Chime support phone number ( it even pops on the cell as Chime ). The agent said I suspicious fraud and it was very important that I follow the steps to mitigate things. I asked to speak with a manager and he agreed and said his manager XXXX would take over. He asked for my best contact in case we were disconnected and then also gave me marks information and then put me on hold. We were disconnected. The fake agent, XXXX, called me back and went through the same process as the Chime agent, telling me transfer funds to a separate account to Chime can freeze my accounts and give me access under a separate temporary account. Once this was done he disconnected. I called Chime back over 10 times. I was disconnected several times in trying to explain what happened. I spoke with agents and tried to get them to let me speak with a supervisor after which they would put me on hold and then hang up. I got one supervisor who said this is so unfortunate but Im going to send you money to help. The last person I spoke with actually filed a dispute but the dispute came back no more than 10 minutes later saying I was at fault. Even when I sent supporting documents to Chime, as the supervisors instructed, the email came back saying Chime couldnt receive the documents ( direct email from Chime ). I was scammed out of my final and only {$640.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Credit inquiries from unauthorized sources when I just checked my credit report XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
A Bill I was not aware Of was Fraudulently put under my Name As I Have never had a Light service under my Name at my residence. & Im Being forced To deal with It. I Just Recently moved into my apartment at I didnt live at the address around the time of they say the debt was ran up. I Moved into my Apartment XX/XX/year> & I Have roommates the utilities are under their name. I can provide proof of my lease

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On last year XX/XX/year>, I contact the CFPB regarding Experian Credit Reporting. Experian continue to show Fraudlent information for XXXX and XXXX on their Credit File that's not correct. I have a personal account I have set-up with XXXX and XXXX where as my Credit File are both frozen. When I pull up my Experian Credit File I see XXXX and XXXX listed on the Experian Credit File as well. If the information Experian is correct, I would not have a problem with. Experian has my XXXX credit file listed as I owe an installment Loan in the amount of {$17000.00}. On my XXXX XXXX XXXX Experian is reporting I owe {$980.00} in collection and another amount of {$170.00} from a no name collection agency. My Experian Credit File has NO Credit Score listed. Why? I feel Experian is punishing me for having to remove the Diversified Collection Agency from my credit file ( Medical Debt ) my report an lying about my XXXX and XXXX Credit Score. My Score for XXXX shows a XXXX ( no open accounts nor collections ) credit score. Experian is showing XXXX as XXXX, XXXX is showing a Credit Score of XXXX ( no open accounts, no collection ) Experian is showing a XXXX with collections. These lies has to stop I have spoken with XXXX and XXXX and was told Experian should not be reporting any information about another Credit Reoprting without my persimission.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 )

( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, 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 2024-02-16 00:00:00
Product: Credit reporting 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 have unauthorized fraud inquiries from company XXXX XXXX XXXX XXXX XXXX account id ) on my credit report that I would like to get removed I did not authorize this inquiry on XX/XX/XXXX I also have a unauthorized fraud inquiry from XXXX XXXX XXXX XXXX for XX/XX/XXXX I did not authorize this inquiry on my transunion report I also have a fraud inquiry from XXXX XXXX XXXX on XX/XX/XXXX that I did not authorize and would liked 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in 2017, which has had significant repercussions on my life since then. 

On [ Date ], my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The information I received on the itemized bill is different from my XXXX and XXXX reports. The information on one report show the original creditor and the other do not. There is two different reports showing different info. The company is not abiding by FCRA and have not reported accurate information. They have 30 days to remove the debt from my report or face fines according to FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
There are 5 inquiries on my credit report that I did not authorizes and need to be removed. Here are the list of them : 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 2024-02-16 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/24, I made a complaint about PayPal Credit limiting my access to my online account set up to make payments, excessive late fees, and improperly reporting to Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) regarding this account because they kept fraudulently adding late fees by blocking my access to the online site to making payments. On XX/XX/XXXX and XXXX I received two email notices one listing my new computer bill of {$420.00} on XX/XX/XXXX, and the other on XX/XX/XXXX, for a minimum payment of {$260.00} and a balance of {$1200.00}. PayPal has continued to harass me with this account and I want damages to be imposed on them. I would like the balance to be XXXX out and to sever all ties with PayPal because of their fraudulent practices. Please see the attach email notices from them

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Was attempting to payoff this credit card via loan from my credit union, XXXX XXXX XXXX. On XX/XX/XXXX, received payoff letter from Capital One. The letter referenced last XXXX digits of my account plus a case number. The check XXXX XXXX XXXX mailed Capital One included the last XXXX digits of my account plus the Capital One Case Number on the check. They also included a copy of the payoff letter. 
Capital One rejected the XX/XX/XXXX payment stating Check/money order did not include a valid Capital One credit card number. Subsequently by the time check was returned to my credit union a month later, I was slapped with {$180.00} in interest. 
Why was the check rejected, it contained the identical information that was provided on the payoff letter. 
Spoke with Capital One Supervisor XXXX, employee ID XXXX, and he stated the interest could not be waived and that I can not escalate beyond him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Accounts Management, Inc
State: NE

Complaint narrative:
Today I spoke with XXXX XXXX, and a receptionist for AMI attorney who was combative and wouldnt let me talk until we had a shouting match or wouldnt let me talk before she over talked me ( also very unprofessional for for a receptionist for a lawyer for a company ) and also finally he attorney for AMI ( I have left 3 total messages since beginning of XXXX and no call back ). Explained to all three I still have NO itemized statements and the bills being sent to old addresses and my work is inappropriate since they are addresses in South Dakota and I live in Nebraska. I have asked they stop sending to old addresses several times now. I have also received these in Nebraska to my home by the XXXX XXXX sheriff for wage garnishment. I received from XXXX XXXX sheriff in XXXX before the XXXX XXXX in South Dakota started going to our old addresses and mine and my husbands work in South Dakota late XXXX and early XXXX. I talked with XXXX the same day as my last complaint but never did received actual itemized bills. Nothing but an amount from AMI and they dont equal the total they claim I have. These are mystery bills because even XXXX wont tell me who they are from or what they are for. I believe these to be possible fraudulent claims. They sent three papers with AMI on them and a statement total but not what they are for or a break down with dates and places I owe. I believe these to be incorrect but because they want to just take money without showing what it is or why is highly alarming. 
We are currently behind in bills that weve been trying to catch up with for a few months so theres not extra wiggle room to just give to them. XXXX told me he wants a breakdown of my bills on paper back in XXXX and I told him we have no money and they can not take that for an answer so they said they will wage garnish us anyways and then make it so we lose everything because that is what would happen if they want to take large amounts. I believe this to also be very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: MI

Complaint narrative:
I NEVER GAVE THE COMPANY AUTHORIZARTION TO REPORT MY CREDIT ALSO THEY CHARGING ME A HIGH INTEREST RATE AT 29 % STATUTE CODE 10 U.S.C 987

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Company drafted payment twice i asked for refund or payment to be rejected and they are refusing to unless i provide bank statement, but they are the ones processing payment and refuse to reject now i am overdrafted on my account and incurring fees this is a huge burden on the borrower and XXXX the agent I spoke to refused to let me talk to a manager after requesting twice he finally did on the third request also kept stating that I acknowledge that it was fault and not Caringtonton 's fault multiple times and I adamantly kept denying it and feel that this was deceitful under UDAAP and he did this multiple times I wonder how many times he has done this and is this the way that Carrington trains their agents on this makes you wonder

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation