vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: LA

Complaint narrative:
I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. XXXX XXXX XXXX Account # XXXX. You are reporting a late payment in XX/XX/2020 yet XXXX and XXXX are reporting paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hello - I recently new to chime, now my account is closed because of the incident. I had a man in my home doing tiles on my ceiling. I entered his contact name into my phone to pay his through chimes transfer service. When he didn't receive the money within ten minutes i called chime. Chime stated a user name was associated with my contracters phone number and the money went to him. They stated to contact them to request the refund. While the worker was still in my home and i was on the phone with chime. I entered his number for a second time and requested the money back. He received that text but he had never received the money. Chime notified me that the money had went to another user of chime. The contractor opened up a chime under his phone number and opened his checking account the money wasn't there. Chime stated some other member named XXXX had my contractors number on file then they claimed this " XXXX '' had no number on file and refused to cancel the tranasaction saying there was no error. I still had to pay the contractor so I used XXXX XXXX within the same hour and stayed on the phone with chime for hours being passed around. I even contacted XXXX XXXX XXXX who stated to come here now because they are refusing to take accountabilty for transfering my money to the wrong person. It was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Account is a total mistake itself. Previously reporting collection while derogatory/ charge off at the same time with inaccurate date last active reporting zero data on payment history and date of last payment with XXXX XXXX and XXXX XXXX reported no account whatsoever. Currently account is stating as open account. Now, added payments to payment history stating as OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with 120 days late on XX/XX/XXXX and XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off as if it was some sort of payment method. date less active stating incorrectly reporting as XX/XX/XXXX by XXXX and XX/XX/XXXX I XXXX  while XXXX Reports XX/XX/XXXX yet data is missing on the last payment there is no possible way that account couldve gone from collection back to open account from reporting zero data on payment history to reporting a whole report of payment history by XXXX while XXXX reports nothing but charge-off and XXXX XXXX is definitely not reporting any data on payment history. This is not tolerated information must be 100 % accurate at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Back in XX/XX/2022 my husband 's credit card was lost/stolen. I reported the fraudulent charges on the account. They started an investigation and I was credited for all these charges on the account. 3 months later in XX/XX/2022 the transactions re-posted on the account. I contacted them and they stated I needed additional documentation to support the fraud claim. I sent the Police Report, Fraud Affidavit form, Timestamps from my husbands job ( some transaction took place at hours my husband was at work ), Store/Merchant receipts ( went to some of the closer merchants and requested receipts ) and etc. I sent out these documents in XXXX ( via fax and mail ). I was told that the fraud case was denied because there were transactions months apart. I found out that a transaction made in the month of XX/XX/2022 ( which I didn't report as fraud was added to the fraud claim ). I told them to confirm and go back to the recording where I called to report the card as lost or stolen. They were able to verify that I didn't state this charge as fraud and took it off of the fraud claim. In XXXX I sent additional documents and never received a letter stating the status of the claim. I have only received calls from Customer Service stating that my account is past due and I have to make a payment. How I'm I going to pay for charges I didn't do? 

There is a total of 20 transactions ( highlighted in red in attachment provided ) for a total of roughly {$7000.00} dollars + interest charges and later fees. After several months and requesting a supervisor/manager call back today I was contacted by a Manager and was told this. It's a disgrace. 

They are still denying the fraud on the account and want for me to go to all the merchants and get a letter from them stating that my husband wasn't the one that made the charges. This is something that has been going out for months and still no resolution. I have already contacted a lawyer and want to proceed with legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see attached documentation sent to both Trans Union XXXX XXXX XXXX. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: KS

Complaint narrative:
On XX/XX/2022, Diversified Recovery Bureau, LLC emailed me a notice of balance due. Email was received at XXXX XXXX. 

On XX/XX/2022, Diversified Recovery Bureau, LLC called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They left messages at XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2022, I called Diversified Recovery Bureau, LLC at XXXX XXXX to inquire why they would call me 4 times in a matter of minutes. I was told by Diversified Recovery Bureau , LLC that they had only called me once. I told them that no they had called me multiple times and left multiple messages. I explained that when someone calls me repeatedly like that I immediately think something has happened with my daughter. They denied they did any wrongdoing or that they called me repeatedly. I have the phone record and voicemails proving otherwise. 

They asked if they could call me in the future my answer was a firm no and assured them that I would get the debt taken care of.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am making a dispute against XXXX XXXX in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please see attached documentation sent to both XXXX XXXX XXXX Wells Fargo. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/2022 I fell Victim to what I have now discovered to be know as Browser Scareware from a tech support scammer XXXX XXXX XXXX XXXX. I was advised by a pop up message from XXXXXXXX XXXX XXXX XXXX  that my bank account was compromised and to call XXXXXXXX XXXX XXXX  to discuss how to protect my account I did call the number and was told that my account was at risk and that I should wire transfer the funds to a U.S. Federal Reserve System Wallet Account to be opened in my name until the Bank 's Fraud Dept. could run a trace and discover who they say was embezzling from my savings acct. 
I complied and Wire Transferred the amount they gave me ( {$100000.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. That bank then deposited the funds into an account the scammers set up, using my XXXX Driver 's License as ID and an email address they set up at XXXX The account # 's and ID was changed by the scammers moments after the funds hit the account at Coinbase , Inc . 
I reported this to my local police dept., their detective division, the FBI, FDIC, Federal Trade Commission, XXXX XXXX, IRS, DMV, Social Security, Senators XXXX XXXX XXXX and Congressman XXXX. To Date nothing has been done to help me recover and prevent this from happening again. The FDIC has investigated thoroughly and suggested I contact you. I have all of the documents, phone # 's used by the scammers to provide you in your efforts. I am hoping that Coinbase , Inc. will do the right thing and talk to you and hopefully me to resolve this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
Experian Credit Reprting Following are the dates when the problem was disputed and is still not fixed nor have they sent me the proof that it is valid for XXXX XXXX XXXX Disputed the late payment posting of XX/XX/XXXX - 30 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 60 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 180 days late Disputed again on following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The porblem is not fixed yet nor have they mailed me the proof that the payment was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: CA

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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 intormation Anv other adverse item of information, other than recoras or 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I am hereby giving notices to XXXX XXXX XXXX XXXX and Lending Point LLC to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication. 

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt. 

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Lockhart Morris & Montgomery has been trying to extort me for nearly 2x the amount I owe to XXXX XXXX XXXX. XXXX  XXXX XXXX only called me once to negotiate the debt before they sold it to Lockhart. I have the receipt in my email from XXXX for the true amount that I owe and it is only {$3300.00}. Lockhart says I owe them {$7200.00}. I NEVER took out any type of contract with Lockhart and have requested them to provide proof numerous times of any contractual agreement I have with their company. I do not owe a debt to them so I will not be paying them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have been working on a loan modification with Select Portfolio Servicing for almost two years without progress. They keep asking for repetitive information and documentation, and I always comply. When I provide the information, they say everything is set, then they tell me I need to give more information. I have had to explain the same things over and over and over again. I don't see an end in sight, and now they won't let me make my mortgage payments! I believe they want to force me into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, XXXX and Transunion, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, XXXX and Transunion to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any instructions to this company to furnish this account. 
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. Checking the reported account, it has missing information reported in XXXX, Transunion, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: MA

Complaint narrative:
Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, Equifax and XXXX, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, Equifax and XXXX to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any instructions to this company to furnish this account. 
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. Checking the reported account, it has missing information reported in XXXX, XXXX, and Equifax. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation