vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
Someone opened an account at Chime.com, a mobile/online wallet- and payday advance service, using my name, email address, and probably other personal information. I found out about it through an email sent to my email address through Chime when the registration took place, I guess. The person registered for some kind of spotted ( loaned? ) amount of money, a direct-deposit account and a pre-paid debit card, all presumably in my name. I know because Chime sent me emails each time these services were started. I reached out to Chime to let them know I didnt open or have an account and didnt request their services. They sent automated emails to let me know they received my messages, and a couple messages from customer service/support to tell me they were investigating. They responded the next morning to let me know they closed the account at no penalty or financial harm to me, which is great. But how did this person fraudulently open an online bank account in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited {$1000.00} cash into an ATM. The atm jammed Wells Fargo only deposited {$0.00}

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An account was opened with capital one on XX/XX/21. I received a letter in the mail stating that the kohl 's capital one card was opened. I have never opened a kohl 's or capital one card. I called capital one and they said that the card has not been used yet. I am worried that whoever opened this account has opened other cards and has committed fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account was paid with the agreement that it would be deleted from my credit. This account is with XXXX XXXX that was transferred to Midland credit to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. 
Account number for XXXX XXXXXXXX XXXX Please remove as agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
The debt that was sold from XXXX XXXX Card Services, financed by XXXX, to Midland Credit Management Inc was {$6300.00}. Midland Credit Management Inc is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, Midland Credit Management refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I wrote a initial complaint to the cfpb pertaining to falsely furnished collection accounts on my consumer reports by Experian, and on XX/XX/2021 the certified mail was shown delivered with return receipt, and on XX/XX/2021 XXXX XXXX XXXX XXXX account # XXXX and on XX/XX/2021 XXXX XXXX XXXX account # XXXX got deleted from my consumer report, Experian is now in violation of 15 usc 1681n ( b ) Civil liability for knowing noncompliance and I am entitled to {$1000.00} per violation, deletion is admission and Experian deleted both falsely furnished accounts that put a financial burton on my life, ruined my credit reputation and also my life, there is 2 violations so that is {$2000.00} ive also attached the affidavit of truth invoice and proof of what i am stating is indeed true

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: TX

Complaint narrative:
In XXXX of 2021 my account trading was disabled in Binance.US. They said I had to pay back a charge. I did pay it back. Many tickets and emails have been exchanged and promises to reactivate my account so I can withdraw my finances from my Binance.US account. Still account has not been activated and my finances are still inside my account. Binance.US. Has not activated my account so I can withdraw my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TX

Complaint narrative:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
My current lender is PennyMac. I noticed in XXXX that PennyMac was taking a little over {$5.00} more than the authorized payment each month for about 6 months. I called them on XX/XX/2021 and asked them why they were taking extra. The lady said she could not see any reason. I asked her to stop taking the extra and she responded that the correction would go into affect on XX/XX/XXXX. I put the exact amount that was suppose to be taken out of that account and PennyMac tried to take out the extra AGAIN!

I called PennyMac and told them they owed me the {$58.00} in non-sufficient funds fees that my bank charged me, that they needed to remove all of their charges, and that I would not pay my XXXX payment until they did. They agreed to do so but did not send me the reimbursement until around XX/XX/XXXX. I paid my XXXX payment on notice that the check had been sent out and received the check around the XXXX of XXXX. 

In the midst of all this, I was trying to refinance my home through a different company. Due to my payment being 30 days late they refused to refinance my home when all I had left was to close. They told me that if PennyMac would give me a letter explaining their failures they would refinance my house. PennyMac stated that they would give me a letter in 2-3 days ( by XX/XX/XXXX ) and I have yet to see such a letter. 

I have also requested the transcripts of my phone calls with them from XX/XX/XXXX until XX/XX/XXXX and they have refused to comply with the Freedom of Information Act.

This has cost me much time, headache, a refinance, and the cash back on my equity! I want PennyMac to make it right!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
I the consumer had a general purpose credit card from Ginny 's I dispute the balance because of billing error and requested to have an open end credit plain. They sent me a letter in the mail using abusive practices threatening to effect my credit report/score. I never gave Ginny 's written or verbal consent to report my business with any credit bureau or reporting agencies. They Ginny 's Violated the FCRA Hjr 192

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made with : transunion

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 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
In the first week of XXXX it occurred to me to check my credit score and I realized that I had a collection account and that my score dropped drastically. Look at the company and it was A.R.S.I. I called them and they told me that I had a medical bill from XX/XX/2020 for the amount of {$480.00} that had not yet been paid and that they often sent me letters but I never received anything because they sent it to another address I told them that I was willing to pay but to remove that from my credit report but they told me that it was not their fault that I had not received the letters and that they could not change it so I spoke to the doctor 's office I told them what had happened and the misunderstanding to them I explained that I had already paid one bill but that I never knew about this another one becarse I never received it and they apologized and accepted the full payment of the bill and told me that they would send a letter to ARSI I don't know if they did but they keep calling me asking for payment and until then they will remove my collection from the FICO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: E-Backgroundchecks.com, Inc.
State: PA

Complaint narrative:
We paid {$130.00} ( our credit card, XXXX XXXX, was charged on XXXX XXXX, XXXX ) for a background check from backgroundchecks.com ; the website promises the report in " 1-3 days '' but we still haven't received it and are given nonsensical reasons for their failure to supply what we've paid for. 

This is a company you've received massive numbers of complaints about in the past, usually from consumers who bought background checks they never received. See below : " Consumer Litigation and Regulatory Actions In XXXX, regulatory action was taken against backgroundchecks.comthen called e-Background-checks.comby the Consumer Financial Protection Bureau ( CFPB ) for not taking reasonable action to make sure the information in their reports was correct and for including prohibited information. The company and its affiliate XXXX XXXX XXXX were made to pay {$10.00} million in damages to affected consumers. It appears that the company subsequently changed their name to their current one. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: AZ

Complaint narrative:
XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX and XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2019 Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Reached out to CEO of company via email and wrote a letter on XX/XX/2021. No response received from anyone on behalf of the company. This is my second time reaching out to them about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: VA

Complaint narrative:
Experian regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by XXXX XXXX XXXX, where they bought a debt from XXXX XXXX, originally delinquent 2015.

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 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card charged automatic interest with no monthly balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX  XXXX XXXX  needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : TransUnion, XXXX and 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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX XXXX XXXX needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : XXXX, EQUIFAX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The debt that was sold from Best Buy Card Services, financed by CitiBank, to XXXX XXXX XXXX XXXX was {$6300.00}. XXXX XXXX XXXX XXXX is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, XXXX XXXX XXXX refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : 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 2021-10-27 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: CA

Complaint narrative:
I scheduled an auto pay with my mortgage servicer back on XX/XX/2021, and since then the payment was automatically withdrawn from my account. Without receiving any notice from the servicer, the company submits a 30 day late payment for my XXXX statement period. When I contacted the servicer, they admitted that it was a mistake and asked me to dispute with credit bureaus. After submitting the relevant information to the credit bureaus, they refused to remove the late payment with out providing any proof that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: LA

Complaint narrative:
Continuant from my initial claim on XX/XX/2021 Equifax received my letter to delete these these fraudulent accounts immediately and block them as of XX/XX/2021 Equifax has not complied to my request and falsely verified these accounts without any physical proof. this is fraudulent and my second time writing them about this now i demand them to both block and delete these accounts immediately. Ive attached the affidavit of truth as well as the certified mail receipt with the evidence that they are indeed are doing fraud and do not have my consent to furnish anything on my consumer reports, no consent is identity theft

Company response to consumer: Closed with explanation