vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Solutions Group, LLC
State: TN

Complaint narrative:
On XX/XX/20, I was reported to collections ( Recovery Solutions Group , LLC ) after making a payment to the company I was dealing with ( XXXX XXXX XXXX  ). My last payment with this company was on XX/XX/20 and after being sent to collections, the company reported the wrong amount to collections, did not send a written statement to my address as asked on XX/XX/20 and drafted money from my bank account without my permission while in collections and continues to contact me by phone ( on XX/XX/20 ) and email and they are not supposed to. The statement that I received was on XX/XX/20 from the company I was working with, shows missing payments that did not show on the balance that was sent collections. I have all evidence of communication and inaccurate invoices. I also made bi-weekly payments to this company and do not understand why I was originally sent to collections, due to me asking about my case status with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have gotten the police report started. I have been informed to make a complaint with the IC3 FBI complaints department regarding this account. 

I'm extremely concerned that Chime Bank has refused to share any information with me relating to this matter. I have provided my personal information, that would be required to open any traditional bank or credit accounts -- I have verified, with your support department, that my DOB and SSN matches the information already on file with an open ( and assuming active ) bank account with your bank. 

I had explained that I attempted to open an account sometime in XXXX and I was denied. I was curious as to why I was unable to open an account and followed up a few months later, after attempting again to open an account with Chime. 

After the second attempt, I contacted your support team and have had numerous communications via phone call and email, extremely concerned that my information has been provided to you by another person. 

Officer XXXX, who is overseeing the investigation, asked for other information from me regarding this account. The only information I could offer him was that I was denied an account with Chime Bank after Chime Bank notified me that I had already had an open account. 

Chime has refused to cooperate with me, personally as a consumer, to ensure they are doing what they can to help protect my identity with the information they have shared with the offending party. I do not know what Chime Bank has regarding details about me that a fraudster may have used to open this account. 

See the attached report. I will follow up with the IC3 Complaint information next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armcon Corp
State: CA

Complaint narrative:
Coachella Valley Collection Agency reported a negative reporting on my credit. Coachella Valley said they sent me a letter on XX/XX/XXXX and then file the reporting to the bureaus on XX/XX/XXXX. This is less than 30 days. In addition, I never received any notice from the company. 

The amount Coachella Valley Collection states I owes is not my responsibility and I do not owe. There is no authorization and/or contract signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These account is involved in litigation. 
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 50days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2021 I received a Reliacard Debit card, supposedly from US Bank. To my knowledge I do not have an account with US Bank and I did not request the card that I received. I initially tried calling The Cardholder Services number that came with the card, but I could not get connected to a real person to discuss the issue, and could not get passed the computer interface without entering my account which I do not have, or other personal information, which I did not feel comfortable giving them. 

I then called the customer service number for US Bank that was on the FACTs sheet that came with the card. After waiting for 20 to 25 minutes I was connected with one of US Banks Customer Service Representatives. The customer service rep told me that US Bank just makes the card and puts their name on it, but other then that they have nothing to do with the Reliacard. The offered to connect me with the Reliacard Customer Service and transferred me to another line. The new line rang about 12 times and then the line went dead. Since I didn't want to wait another 20 to 25 minutes to talk to another US Bank representative I decided to try and contact Reliacard through their web site at www.usbankreliacard.com. On the web site they had On-Line Chat so I started a chat and told them the issue, they then forwarded me to another site to file a complaint. This site required me to enter personal information, that again I did not feel comfortable doing and I had to pay a dollar, that was supposedly refundable. I left that site and contacted you to file a complaint. 
My concern is that by sending me a card that I did not request pits me at risk of identity theft and would like them to never send me a card that I do not request. I am also very concerned with US Bank, they seem to allow their name to be put on the card, but take no responsibility for any issues associated with the card.

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 2021-01-04 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: GA

Complaint narrative:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed a blocked missed call from a company labeled as CBE Group on my cell phone. When I opened the missed call notification, the history showed 3 separate calls from XXXX dated XX/XX/XXXX @ XXXX EST, XX/XX/XXXX @ XXXX EST and XX/XX/XXXX @ XXXX EST. I finally decided to call them back on XX/XX/XXXX @ XXXX EST since none of the calls resulted in a voice message. When a woman answered the phone she stated they were a debt collection agency and began to ask me to confirm my information. I refused because I could not be sure this wasn't a scam. She asked if she was speaking with XXXX XXXX and if my address was XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ... which it is not. I confirmed my name but told her the address was wrong and I hadn't lived at that location for over 5 years. I asked her multiple times what this was regarding and she stated this was a debt from XXXX received by them from another collection agency XXXX XXXX XXXX. After going back and forth with her about the age of the debt, I asked for written communication regarding this supposed debt I owed because we were one week away from the end of XXXX and I'm receiving phone calls from their company about an almost 16 year old debt? She then transfers me to her " supervisor '' who I proceeded to ask the same request. I will not confirm or acknowledge anything without something in writing stating that this is even my account as well as who they are in this process. After about 15 mins of him trying to convince me that they were just looking to help me set up a payment arrangement, he finally agreed to mail me notification. On XX/XX/XXXX I received a notice from CBE dated XX/XX/XXXX claiming that XXXX XXXX XXXX forwarded this debt in the amount of {$430.00} to them. The notice states the original creditor is XXXX and the current creditor is XXXX XXXX. The notice also states that due to the age of the account I can not be sued by either CBE or XXXX XXXX. Nowhere in this communication does it state anything regarding this original account, nor does it include dates of any kind. So, my question is what is the purpose of this entire scenario? What is the goal here? I still have not received anything showing this was ever my account ; I don't have anything from XXXX XXXX XXXX ( who I worked with earlier in XXXX to pay off an old debt so they ABSOLUTELY have my current information ) and if I dispute this then I start a legal clock that otherwise doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. 

Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. 
-XXXX XXXX XXXX. XX/XX/2020 still remains and shall be removed. 
-XXXX XXXX XX/XX/2020 still remains and shall be removed -XXXX XXXX XXXX XX/XX/2020 still remains and shall be removed -XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.

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 2021-01-04 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Please Delete Telephone numbers that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-01-04 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: WA

Complaint narrative:
On XX/XX/2019 I went to a bar and was later charged {$300.00} on my XXXX visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XX/XX/XXXX, I filed a complaint with Visa and XXXX. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of XXXX, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with Experion and the XXXX with little to no results. I want my credit rating back!!! Thank you!!

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 2021-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I'm the administrator for my husband 's estate. He died XX/XX/20. All of his assets ( savings and investments ) had designated beneficiaries, one of which is a minor. 

Citizens Access, one of the banks involved, refuses to allow transfer of funds for the XXXX year old without a probate court order. Probate court advised us no order needs to be issued as all assets had named beneficiaries. Citizens refuses us access to his account and will not allow us to even view statements nothing without a court order that will never come. Probate filing costs {$400.00} plus legal fees for a filing which the probate court says is unneeded. 

Citizens reply is : probate court order or NO access. 

I, as administrator, am responsible for the handling of this estate. 

How do we resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: GA

Complaint narrative:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: GA

Complaint narrative:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with Transunion and XXXX. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to Transunion and XXXX and they both said that XXXX XXXX provided them the information.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and Experian. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and Experian and they both said that XXXX XXXX provided them the information.

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