vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
chime debit card purchased for {$300.00} only purchase authorized was {$140.00} for a flat screen tv on XXXX which I never received. My card has no balance. I have been in contact with the company no results. They questioned me about other purchase which I have no knowledge of. In my attempt to close the account company refused and sent a new card which I never activated and used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # XXXX and XXXX Accounts account # 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 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 2022-08-17 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX and XXXX Accounts account # 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I would like to start by saying that this is the second incident of fraudulent activity on my checking account with Fifth third bank within the last 2 months. The incident in question was discovered on XX/XX/2022. I logged into my checking account to review my banking activity and noticed that there was a check cashed against my bank for {$1100.00} ( check # XXXX ). I immediately went to review my checkbook to determine wether this was a valid or fraudulent activity on my account and discovered there was no check written or signed by me for that amount. I also discovered, that a check with the same check number ( check # XXXX ) was made out to the XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/2022 for {$150.00} cashed on XX/XX/2022. In comparing the XXXX check ( original check ) and the fraudulent check, I discovered that the XXXX check did not match my check except for the check number, routing and account number. I immediately called the bank on Friday to discover that their fraud department was closed and instructed to go the a bank branch to file a fraud packet. On Monday, I went to the bank branch and filled out a fraud packet which in short, I was informed by corporate disputes that the packet that was given to me was incorrect. I filled out a new fraud packet and submitted said documents immediately. I was initially told that within XXXX business days they would have a resolution for me, yet 10 days came and went with no resolution. Since that 10 day period, I have spoken to numerous representatives and supervisors whom have repeatedly told me that it will be resolved within XXXX to XXXX business days. We are now without resolution going on XXXX month and 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with XXXX XXXX XXXX ( for XXXX ) and Credence ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: PA

Complaint narrative:
I have reached out to XXXX XXXX credit card multiple times about my credit being reported late. The latest date they reported it late was XX/XX/2022. They have also reported that my account was charged off which is not accurate at all. Total visa is stating that Experian is making the mistake but Experian is blaming total visa. This wrong information has dropped my credit score by XXXX points! I need assistance immediately to correct this information on my 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 explanation
Consumer complaint received 2022-08-17 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: NY

Complaint narrative:
A few days ago XXXX sent me documents stating there was a freeze on the account and than a few days later XXXX changed the name to the right name and than changed it back to the XXXX up name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A few days ago XXXX sent me documents stating there was a freeze on the account and than a few days later transunion changed the name to the right name and than changed it back to the XXXX up name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.

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 2022-08-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file.I am a victim of identity theft and did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: VA

Complaint narrative:
I asked Hunter Warfield to only contact me by mail in a letter dated XX/XX/2022. They have continued to call myself and my husband, sometimes multiple times in one day, despite my request. They called me three times today, XX/XX/2022. I have also requested proof of a debt they claim I owe, for which I am not liable. They have not provided proof. I also requested information about their debt collection license, which they have also not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted my FTC report along with and identity theft letter explaining account on my credit was identity theft to Transunion this account does not show on any of my credit report agency with XXXX or XXXX. I explain to Transunion that this account was a result of identity theft and submitted my ftc report and they stated the did not do anything with the account because they have reason to believe someone else submitted this complaint on my behalf when this is indeed incorrect I am the one that submitted my ftc letter for fraudulent phone account

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX - XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-17 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, Several months ago, I checked my credit to find that Transunion and XXXX ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
The mortgage company refers people to HUD if they need help at the beginning of the call. However, the agent makes it clear the government makes them do this. They dont actually accept help from the programs they referred me to. Instead they give me XXXX options sign new mortification increasing the payments and restarting the 30 years. Are they allowed to refuse help I was approved for. The only document that AHEAD needed was a loss mitigation statement and the Carrington representative insisted there was so such thing. How can they ignore this and ultimately force me into a worse financial situation. They want to foreclosure so they can have th equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the 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 non-monetary relief
Consumer complaint received 2022-08-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial
State: NY

Complaint narrative:
I invested money in cryptocurrencies via the Circle XXXX app over a period of time starting in XX/XX/XXXX. At some point Circle was purchased by another company, XXXX, and after an initial promise of transition to XXXX, this spring I was informed that Circle was ceasing operations in New York state and I had to sell my investments and cash out my account by XX/XX/XXXX. I sold my cryptocurrency holdings but am unable to withdraw the cash proceeds of {$5200.00} from Circle. Every time I attempt to do so, I receive a message saying " Your recent transaction did not complete because it looks like the street address that you have listed on your account is not a valid residential address for XXXX. Commercial addresses, po box es, and certain temporary addresses will not suffice. '' I am using the same valid and current residential address as before, which I also use with my bank. I have tried linking another bank account and using other addresses with no luck. All my queries to customer support have received no response or the same automatic response with no solution. My money is being held hostage in the app with no explanation and no way to withdraw it before their services are fully shut down.

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Numerous credit accounts were opened with AFFIRM Inc. under my name, resulting in some accounts being paid off satisfactorily and others being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC has placed a collection on my credit report for an account that was previously removed in another action. This has created a new line of credit on my report, and it has also started a process of re-aging a debt that has been removed from all accounts. I do not know why this has occurred. I have asked them to remove this only to receive condescending remarks. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have called APPLE CARD XXXX GS BANK USA credit card a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called XXXX XXXX  and told them my situation. I have filed 2 complaints with XXXX and both times I was told this credit card was mine. XXXX told me they have sent my info over to Apple Card -GS bank and that it matches my personal information, but when I called Apple GS they tell me a different story. I want to clear this because I know I did not open this Apple Card and it has really impacted my credit score. I also took extra steps by freezing my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Transaction using XXXX through my Bank of America online banking center. A XXXX transaction was initiated to purchase something from me. Moments after I received an email from XXXX saying the funds were transferred to me, then another email saying the buyer erroneously sent the money twice and I needed to refund the buyer. The email appear legitmate from XXXX and also from XXXX XXXX for which the buyer said the money would be coming from, I refunded the money, out my money went, but no money ever came in. I filed a claim with Bank of America ( which i used XXXX through ) and it was denied, i reopened the claim to try again. I filed a police report. I attempted to contact the buyer, but all communication was discontinued. I have filed all of the emails from XXXX XXXX ( scam ) and XXXX ( scam ) for reference. The total was {$1800.00}.

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 2022-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
XXXX XXXX XXXX was a total loss in XXXX of XXXX. Insurance paid the total amount expect for {$1500.00}. I paid {$1500.00} as of XX/XX/XXXX. Also was told it would be corrected on my credit after 10 days. Which thats incorrect because its still showing a repo.

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