vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I was required by a new employer XXXX XXXX resorts to provide a background check. The background check came back negatively based on incorrect information I have provided documentation to Correspond with such facts. Due to the companies error in presenting my background I am currently under denial for employment based on this information. I was given the information of the status of the background check on XX/XX/2022 I am currently disputing this information and ask that the proper paperwork to be looked into.

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 2022-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
On XX/XX/XXXX, at XXXX I called in to Equifax to again inform them that they needed to remove the items that I've previously disputed with them & have submitted documented proof that they are continuing to report unverified & un-validated information in direct violation of 15 USC 1681. The representative that I spoke with, XXXX, stated to me that he can not make any changes to my file despite Equifax violating 15 USC 1681 due to Equifax having my consumer report " red-flagged '' with a note that states no one outside of their " office of consumer affairs ''. 

I informed XXXX that the fact that he admitted that Equifax has my file intentionally blocked from removing information that they know to be inaccurate is not only a continued violation of 15 USC 1681, but Equifax is also now committing discrimination against me which is a violation of the The Equal Credit Opportunity Act, 15 USC 1691. He stated that he understood that, however he still refused to perform his job of removing the inaccurate accounts. I am filing this complaint to submit a copy of the audio recording as proof of Equifax continuing to violate my consumer rights as allowed under federal law. I have also attached a copy of my previous CFPB complaint against Equifax which included my previous documentation of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
I am resubmitting a compliant about Sallie Mae because I caught them on another lie. My original compliant was XXXX. Their response was that my checking account number was wrong so that is why after they approved my payment, they reversed and rejected it. So not only did they confirm that the reversal was on them ... .they purposefully rejected my payment which now shows on my account that I have a late payment in my payment history. I attached a screenshot that shows that their website restricts you from reviewing your payment prior to submitting if your account number is entered incorrectly. So if I was able to submit my payment and receive a confirmation from the company, then my account information was correct. If it accepted the payment then I also had funds on my account to receive an online receipt. Therefore that is proof that I had the funds and my payment was processed accurately. Sallie Mae chose to send the money back which will have a negative impact on my credit report. I believe this is an FTC violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/XXXX at XXXX am I transferred {$5000.00} from my personal Chime account to my wife 's chime account using the Pay Anyone feature. The money is expected to transfer instantly from account to account but it did not after I have spent XXXX hours on the phone with chime customer service trying to get my money refunded only to have my information switched my personal information ie phone number and email address to my wife 's account I received an email stating that after reviewing the account that they would not be refunding my money! I'm in desperate need of help. I'm including pictures that show Chime is refusing 2 refund my money as well as pictures showing where the money left my account but never reached the receiver 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Did not receive any information to be able to resolve this debt. Did not find out until I received an email with out any notice or paperwork in the mail. According to the email I had a certain time frame to resolve this matter and was not allowed to send any response due to not getting anything mailed to me. Only copy I have seen was the one sent to my employer. And was only notified via email that wage garnishment was already in place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I received a payment reminder that my payment was due AFTER the due date. Please see attached. I

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 2022-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I have been fighting with Robinhood to get them to unrestrict my spending and investment accounts for 11 days now, since they restricted it for " suspicious activity '' on XX/XX/31 when I tried to use my debit card linked to my spending account at a grocery store XXXX mile from my house. I had the correct PIN to use the debit card, because I tried twice, and I had used the card before multiple times before that. I have provided the following documentation to Robinhood to verify it was me : picture of my driver 's license, pictures of myself from multiple angles, picture of SS card, and two bank statements. That's a lot of documentation for something like this, it seems. Especially ridiculous since I talked to them on the phone and verified my identity several times. There is zero sense of urgency on their end to resolve the issue, all the while my money is locked up. It's not an insignificant sum of money for me either. I get that suspicious activity happens and Robinhood has to protect me and itself. Those documentation requirements are seemingly a bit onerous, but, setting that aside a minute, there needs to be some timely resolution of these issue. Robinhood advertises that you should go direct deposit with them. Imagine if I had done that? I'd be 10 days without access to my pay! I have no idea why things are so messed up there, but they are. Someone needs to look into Robinhood and their practices before someone gets hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
In accordance with the Fair Credit Reporting Act any inaccurate date, information, reported account history, and addresses 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. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the inaccurate information such as wrong address, account history, dates, late payments and remarks are an 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 consent. 

I pulled my credit report and was able to see all inaccurate information such as addresses, account information, remarks and dates and asked them to be removed, Experian failed to comply after writing and sending my 609 dispute letters on XX/XX/2022 as well as sending a letter of verification on XX/XX/2022 after send a letter of demand and comply I have not received verification of method used the information has not been removed. It's been over the day that I asked to have this resolved and they failed to comply.

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 2022-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
BANK OF AMERICA SENT ME AN EMAIL ON FRIDAY, XX/XX/2022. STATING THAT MY APPLICATION WAS BEING PROCESS. THIS APPLICATION WAS SUMITTED ON XX/XX/2022 FOR A SAVINGS ACCOUNT. I CONTACT BANK OF AMERICA, BECAUSE I DID NOT APPLY FOR A NEW SAVINGS ACCOUNT WITH THEM. THE REPRESENTATIVE THAT I SPOKE WITH " STATED, THIS PERSON HAD MY ENTIRE SOCIAL SECURITY NUMBER. '' THIS PERSON CELL ENDED WITH 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 2022-08-10 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: MD

Complaint narrative:
XXXX called XXXX XXXX  and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and Equifax keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IN

Complaint narrative:
I had a secured credit card with Discover with a {$200.00} limit. I gladly sent my security deposit, and used the card when necessary. After several months, I became deathly ill, and could not make payments anymore. Eventually, the card went delinquent. Well, after a few years went by, I finally decided to pay Discover the entire amount I owed on my secured card just to make things right. Several years after paying them in full, I find that I can not apply for a Discover card- they don't even pull my credit. The application results are always, " Status of previous Discover Card ''. I can not fathom why there is a status issue with my card since I paid them in full. It is ridiculous to treat potential customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, BMW Financial Services Acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid-South Adjustment Co.p.inc phXXXX. Placed on my credit report a balance of XXXX and I have sent documents showing the statement showing my insurance paid and I sent copies of two checks showing i paid the balance of a total XXXX and yet they refused to take the negative mark off my credit report and I work for the government and paid my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I started an account with a company called XXXX XXXX  on XX/XX/XXXX. The plan was to invest {$5.00} a day and more as I saw fit and cash out in 24 months. Their website states you can cash out sooner without penalties. I requested to cash out on XX/XX/XXXX and I received over 30 emails stating that I would be cashed out soon. The website states within 21 days. It is now 9 months later and nothing. I filed a claim with my Chase, claim number XXXX and they stated that because I approved the automatic withdrawals, they didn't consider it fraud and stated I waited too long. Even though I didn't realize it was a scam because I thought I was investing. So when I realized it was a scam I tried to get my money back by contacting my bank. I filed a claim with SEC # XXXX. I just filed a report with FTC Report Number XXXX. I also reached out to a lawyer and they stated because it wasn't over {$5000.00} it was nothing they could do for me. I work hard for my money and I for sure do not have {$3500.00} to give away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
Have to create new google play accounts to make an in-app purchase to purchase a app license per 5 devices I use a specific app license on. I activate 5 or more devices on this app every a week. So I'm having to start at least 1 new account every week to pay {$24.00} through an in-app purchase. Google is consistantly blocking me from making payments within in-app payments, even after I submit to them my drivers license and photo copies of my credit cards showing proof that it is myself making the accounts and attempting to make said purchase. I've created 7 or 8 google accounts since end of XXXX ... out of those only one of them allowed me to do this in-app purchase without sending my documents in, and out of the other 6-7 accounts, none of them worked for in-app payments even after submitting documents. You have a multi billion dollar company... Your customer support options XXXX more than someone running a company out of their garage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
Starting in XXXX of 2022, I have been battling with Experian customer support on unauthorized access and changes to my online Experian account. There have been several calls to reset the email and username after someone other than myself has logged in, changed my information, and unfrozen my credit file. After resetting my account, it happened again sometime between XX/XX/XXXX through the XXXX. Experian said their is nothing they can really do if the other party involved, we will call them the attacker, knows my personal information because they can recreate my account without any form of validation if the account with the SSN attached to it already exists. 

I have explained this to the Experian representative without much incentive on their part to fix this issue. There is a flaw on how Experian accounts are created. With a victims information such as a leaked SSN, the attacker can recreate the victim 's account without first notifying the victim of such activity or promoting some form of two-factor authentication. After the attacker has access to the Experian account, they can reset security questions and unfreeze your credit file even if you placed a freeze on your account with a PIN, which was recommended by every representative. Unfortunatly, they claim that new technology allows them to no longer require a PIN if you have access to their online account. Also, once anyone good or bad has created or recreated your account, they can sign up for their XXXX plans and effectively pull all credit reports from XXXX and XXXX, leaking untold amounts of historical data that can be used to further verify security questions. 

As of now, Experian knows of this issue and only suggests create an account and actively watch your email for account notification changes, which received means the account has already been changed. There is no way to opt out of the internet service or force them to only verify account changes by mail. The only other options their fraud department recommended was to file a police report and also file a complaint with the Consumer Financial Protection Bureau. 

There is also an article that goes into further detail about this exploit here : 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 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.

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 2022-08-10 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: MD

Complaint narrative:
XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. Experian and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was an authorized user of 2 Bank of America Credit Cards. An authorized user is considered a secondary user and is not liable for any balances on the credit 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