vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: CL Holdings LLC
State: SC

Complaint narrative:
I contacted the debt collector in regards to this debt asking to provide me with a signed letter or contract, a detailed history of the debt, or proof the debt is in fact mine and I have not recieved any response about this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: ALLIANT CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2021 A account was established in my name with out authorization. I contacted the Creditors to inform them that on the dates this account was open I was XXXX and have no knowledge of this account that's being reported to the reporting agency. On XXXX XXXX I was XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent the confirmation of my XXXX XXXX XXXX XXXX XXXX along with a time sheet to provide the dates of XXXX XXXX that I was XXXX XXXX when this accounts was opened and used under my name.I have contacted Alliant XXXX Credit Union about the Fraudulent accounts with the highest balance reporting XXXX with a credit limit of XXXX. After sending Alliant XXXX Credit Union documents of my XXXX XXXX XXXX along with a XXXX  XXXX XXXX XXXX XXXX with my XXXX XXXX XXXX the account still reporting as this account has been verified. I have tried to notify them several times that I was XXXX XXXX  when these accounts was open. Also I filed a FTC Identity Theft Report concerning the credit card and a checking account that was open and reported to XXXX XXXX as NSF in the amount of XXXX that was deposite during the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a text message proportedly from CHIME asking if I made a purchase for {$400.00} using my CHIME card. I replied NO. I received another text stating that a CHIME representative would be in touch with me shortly. I then received a call from a private number ( area code XXXX ) and then a call from what appeard to be the CHIME customer service number. The individual stated that my card was being accessed in XXXX, Texas ( I live in XXXX, GA ) and there had been 3 attempts. The individual stated that my account would need to be closed and another account would be opened. This was the only way to stop this fraud. I was then asked to move the money in my account to the new account. When I did this, all my money was taken. The individual hung up. I immediatedly called CHIME and reported what had happened. They of course had no record of this. The opened a claim to investigate what happened and asked me to send screen shots of the texts and the call list. Before I could even send the screen shots I received an email that my claim was denied. I immediately called back and was told they would re-open the claim and I head hear from someone in the fraud departement. I do not believe this has happened. I have heard from NO ONE! I have contacted local law enforcement and have filed a police report. I really thought my money was protected with CHIME. I am not longer certain. This individual posing as a CHIME representative took over {$740.00} from me. I am very upset at the lack of concern from CHIME and the lack of investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I HAVE AN IDENTICAL TWIN SISTER AND HER NAME ( XXXX XXXX ) ALONG WITH HER ACCOUNTS ARE REPORTING TRANSUNION AND XXXX CREDIT BUREAUS. 

THE ACCOUNTS ARE LISTED AS : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX I HAVE BEEN CONTACTING TRANSUNION TO CORRECT MY NAME AND SENT THEM PROPER DOCUMENTATION VALIDATING MY IDENIFICATION AND THE ISSUE HAS NOT BEEN RESOLVED.

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 2024-04-26 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/23 a charge of {$130.00} was made to my Apple Card ( Goldman Sachs ) through the XXXX app for an accommodation stay at the XXXX XXXX in XXXX NY. At arrival to the property for check-in the front desk attendant indicated that their printer was broken so I could not receive a printed confirmation of check-in. I was given a room key for another hotel ( XXXX ) and upon entering the room I found it to be in deplorable condition with a non-functioning AC unit blowing out hot air while emitting a terrible smell. I went down to the front desk to request another room and the front desk attendant was combative indicating that it was a take it or leave it reservation. He would not even go up to the room to assess its condition. I immediately contacted XXXX support notifying them of the situation. They could not reach the property by phone or e-mail. I was left without a place to stay for the night and had to rely on waiting in public spaces until the next day when I found availability at another property. When XXXX finally was able to get in touch with the property to request a refund waiver it was denied as they claimed I never arrived for check-in. 

A dispute was opened with my Apple Card XXXX in which after several attempts to have it resolved they sided with the merchant with the default determination that a refund credit could not be granted due to the property claiming I did not arrive for the reservation check-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted dispute through Equifax via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for account listed below. XXXX ( XXXX of XXXX ) Account ending in XXXX. Its safe to say a thorough reinvestigation was not completed since account reported back as verified/updated, but account appear to be reporting the same discrepancies. Report is reflecting date of last payment XX/XX/XXXX but there is no payment being reflected, report is also reflecting on time payment for XX/XX/XXXX then XX/XX/XXXX is reflecting 90 days past due. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify account in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( 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 ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, I was denied an extension of my credit. Ive reached out numerous times to have that application revised. 

In American Express XXXX, XXXX, and XXXX information, it states that they can't verify what my credit score is so if they can't verify what my credit score is how can they deny me what their report says?

I asked them What factors did their Treasury Underwriting Department utilized to deny me, because their prospectus from American Express Credit Account Master Trust, states on page 50 about the Underwriting & Authorization Process, and it states. Virtually all underwriting and authorization decisions use an automated system to capture the relevant information, execute the scoring logic, compare the proprietary risk scores against cut-off levels, apply business rules and legal requirements, and then execute the approve or decline decision. In specified circumstances, including for certain product applications or where certain information is unavailable, the framework incorporates manual decision-making by a dedicated, specialized, and experienced team to evaluate the available information to assess the applicants predicted risk, adhering to the same underwriting policies and standards. 

An Underwriter did NOT review this application if an automated system captured the application. That's not a valuable consideration. 

I gave/bartered with American Express a Security that they are turning into a receivable that they are going to get paid for because I gave them my social security number, they have now acted as Power Of Attorney and Fiduciary, so I need them to do their fiduciary duty or I will have to alert other proper officials. 

I know American Express is securitizing the receivables and trading them on the secondary market. Because I gave a promissory note as an INVESTOR I am allowed to claim the credits that are owed to me. They are in violation of their Security Exchange Commission agreement.

I have several certified receipts of notices I've sent them regarding this matter and every certified letter has been looked over. I even reached out to the CEO XXXX XXXX and Investor Relations and no response back from either person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have tried to work with the company to settle my debts but the have been providing false information and blocking me from doing so. In early XXXX I requested that they mail me my information and I did not receive any mail from the company. They do not leave voicemails indicated what the calls are about even though I have asked them to. They call me everyday sometimes twice a day. Here is information from this week to show frequency but they have been calling for months. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: LA

Complaint narrative:
Upon reviewing my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed a collection acct that was placed in my credit file on Monday, XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on Wednesday the XXXX. XXXX they told me I must pay the account for them to delete it. The original creditor XXXX cable owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait two months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a mobile store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited $ XXXX a payment that was not due to be paid, XXXX cleared the bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with Experian two days prior within three days they returned an investigation saying that they verify the information is correct. They never sent me any information on what they retrieved a violation of my credit act. They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.

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 2024-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
The company Credence calls me everyday once a day without fail about a loan application for debt relief Ive never applied for, signed up, or provided any information. But they still call from a new phone everyday leaving me voicemail to complete my unfinished loan application. I cant block the number because its a new one everyday and the recording is a robocall voice so not a real person. I want the calls to stop, I have nothing in debt collections and I dont want to settle my debt. I want them to stop calling me. I have evidence of all their calls in my call log. I look online and theyre a scam company trying to help with fake debt collections. This has been going on for 6+ months now and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Sent letter to company on XX/XX/year> advising that they are not legally licensed to collect in the state of Florida and to remove the debt from the credit bureaus immediately. Customer ignored letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX years ago we requested that our two separate parcels that our house sits on be combined under one for property tax and homestead purposes. Finally at the end of XXXX  they agreed to go back 3 years and combine and then reassess and determine taxes. Money was refunded and sent back and moved around. I have contacted the Chase Tax Team since then and several time there after to discuss this because I know that anything showing that is owed would come from my escrow account. I have been in touch with the County taxing authorities as they have been delayed in fixing the accounts. I have been involved with this on a daily basis just trying to get them to fix the accounts. Yesterday Chase depleted my escrow account to pay the taxing authorities without contacting me or reading my previous notes in my file. The tax authorities are not finished. With this depletion and any end in site, my payment will double and I will not be able to afford my mortgage. I spoke to Chase Tax Team and they have the authority to do and pay whatever they want if the tax office posts that I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service International Corp
State: GA

Complaint narrative:
I was checking my credit report and notice a collection from a collection agency call credit service international company for the amount of {$1300.00} I called the number and spoke to a representative trying to explain I had no knowledge of the account they asked for my information which I provided they also could not find any information on that account so when asked if they could send a email stating that they told me that they could not send me any information and told me to dispute it on my credit report in which I did but the dispute was declined and it's still on my credit report the company was very rude and not helpful and is affecting my credit the data I called was XX/XX/XXXX the date of the so-called credit was XX/XX/XXXX and it said to be on my credit report till XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I went online and ordered a prom dress for my child. I never received item. Ive tried to email merchant no response, I have no tracking number nothing. So I went in to file dispute with my bank. I received a email from my bank today stating no error occurred. But I have no item and I am out of my money and Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please see attached file.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery needs to be shut down- they illegally just slap on debt under my social security number illegally - I do not have a contract with them - nothing signed have no clue who this XX/XX/XXXX is other than XXXX! so they sell our address social sec numbers bank accounts to XXXX or a hoax company! show me the giovernment legality they can do this! Otherwise let s bring XX/XX/XXXX here so we can take care of these crooks ruining the credit of the middle class! 
Get them off my credit unless they show a contract that I signed with them. XXXX Close these companies down now!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I found XXXX charges on XXXX my unused citi credit card. I filed a dispute immediately. XXXX is solved easily. Then, I found that this {$10.00} from XX/XX/XXXX is back in XX/XX/XXXX. I called citi bank XXXX department immediately. I made it very clear that I had NOT used the card for more than XXXX year. I have XXXX other citi cards that I use daily. there is no incentive for me to use that card to pay any company. I am very worried about citi credit card security system. The staff asked whether I received anything from the vendor. I SAID NO. He told me that he will take care of this, and I do not need worry. 


I received a mail for the XXXX statement from Citi in XXXXXX/XX/XXXX week. Citi even charged me an interest for that {$10.00}. I was very disappointed. I called citi again. I asked to talk with a XX/XX/XXXX The person that I talked with is XXXX. I repeated the same thing. I did NOT do the purchase. I very worry about citi credit card system. That is why I check my account daily now. She told me that the used address in that purchase is not my current address. She said that she will take care of this and speed up the process. I did not get any response for XXXX weeks. 

After XXXX weeks, I sent an email to Citi ( XXXX ) to discuss my case. I did not get any response. The bottom line is that I DID not do the purchase. Someone definitely stole my personal information fromXX/XX/XXXXside system. Citi did not make any efforts to protect their customers.

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