vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
Since XX/XX/2021 to current I have tried to have erroneous charges reversed on my account as I informed the bank immediately of my data breech situation in which all my passwords on the World Wide Web and deep web were exposed and i further more that I was targeted as XXXX, XXXX and other online social media and platforms have informed me personally that someone gained access to my accounts based on location across seas, my XXXX XXXX was also compromised. I forwarded the bank all of my supporting back up making them aware that the police were contacted but to no avail. There is a unauthorized transfer also in made that i was not aware of and they denied the reversal of this along With provisional credits. To date both situations stand unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Total Card, Inc.
State: IN

Complaint narrative:
On XX/XX/2021 XXXX XXXX/XXXX  received a validation dispute and the did not investigate. They did not notify the credit bureaus that the account was being disputed and did not give me a response at all for the dispute submitted within the timeframe that is applicable by law. This account has not been validated. On XX/XX/2021 a letter was submitted to this creditor and they still have failed to report to the bureaus that the account is in dispute. No response have be given at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX/XXXX  Inquiry : XX/XX/2020 XXXX XXXX XXXX Inquiry : XX/XX/2020

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 2021-08-02 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: IL

Complaint narrative:
Unauthorized reporting of my consumer 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 2021-08-02 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: IL

Complaint narrative:
Unauthorized reporting of my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX XXXX XX/XX/XXXXInquiry :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
The company removed charges but didn't remove late payments. The charges should never have been there from beginning. During whole lease never missed XXXX payment. After car was turned in they came with a bogus charge.

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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
It is come to my attention that you are sending me a bill for a place called XXXX XXXX for {$420.00}. 

I do not want to sound harsh that nor do I want to cause friction, but this place never did any services I came in for a consultation and they showed me around and showed me a sample of what they could do.

Now comes my legal information for you and as per the FCRA I am going to send this bill back to them and I ask you to cease and desist from billing me.

If it continues, I am going to file the state of Texas against both as a medical facility and you for collecting practices.

I will not hesitate to write to the State of Texas about this. And to the Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
This complaint is regarding a third party debt collector furnishing an alleged debt on my consumer report without prior attempts to validate. Thus in violation of 15 USC 1692c ( a ) ( b ). 

On XX/XX/2021 I sent a certified Affidavit of Truth to EOS CCA alerting the company of my consumer rights that they are in violation of along side of this debt been alleged and as of XX/XX/2021 this company has not responded.

Under TILA, FCRA, FDCPA Congress states I am the consumer, The natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains and has just updated to paid instead of the deletion that I was told would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I contacted Macys on XX/XX/XXXX, XXXXby phone and via mail about a account that I was not aware of being a authorized user on and asked them to remove this account from my credit profile. I stated to them according to the FCRA section 601 I cant be held liable for a debt as a authorized user the representive stated that I would be removed and would receive this in writing. I have not heard from Macys at all I also sent out a letter asking for this item to be removed.

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 2021-08-02 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: CA

Complaint narrative:
I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: FL

Complaint narrative:
kLS financial never sent me written notification that a fraudulent charge ( reported to XXXX by me fall XXXX ) was going into collections. Spoke with KLS XX/XX/XXXX explaining charge was fraudulent and wellsfargo disputed it and account was closed. KLS did notify in writing that the charge for XXXX $ was going into collections 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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In mid XXXX XXXX wells Fargo called me and asked if I wanted to do a settlement on my credit card for {$1700.00} on a 9 month payment plan. I was told I had to make first payment within 30 days. on XX/XX/XXXX i mad a {$10.00} dollar payment on my bill pay just to see if I could pay the debt through my online account it went through. i called wells and asked them if i paid the {$1700.00} within a month would the do a paid to delete they said it was not something they do but didn't have a problem putting paid as agreed. on the XXXX of XXXX i paid {$180.00} on my bill pay. as agreed that was the date i agreed to pay first payment. On the XXXX of XXXX I gave them {$850.00} this is were it got all messed up on the XXXX of XXXX i called to pay the remaining balance of {$500.00} I was told i had a remaining balance of {$180.00} and the {$180.00} payment never went through on my bill pay and wasn't showing i ever paid it or it was ever processed to be so after about 5 hours on the phone we all agreed that i was to pay the XXXX again i told them i had no money left to pay to times so i paid the last {$180.00} the next day the {$180.00} came out of my bill pay that was agreed wasn't suppose to come out so after another 4 hours on the phone and un countable transfers was told it would take 10 business days to investigate. i was very upset they would even give me a credit after 10 working days I called and said one was never started with the write department and had to start over another 10 working days and about 7 hours on the phone was told would fix credit to paid as agreed for the inconvenience. and reimburse the over payment that they still owe me then in in XXXX I called again spent 3 hours on the phone and after two week came back with no return of money and will not fix credit as agreed i would have paid all in a month and spent my whole stimulus check plus money if i had know all 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 non-monetary relief
Consumer complaint received 2021-08-02 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) unlawfully obtained my credit profile and reported it to Navy Federal Credit Union without my permission. Initially Navy Federal allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by XXXX. They are now holding my money and will not allow me to access it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint on Tranunion, XXXX  & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted 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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase 's so called conveniences function more like entrapment. Being able to do mobile deposits and external transfers are highly deceptive in that instant transfers are not really instant because they depend on the capability of another bank. It is entrapment in that a consumer must know exactly the length of time in which each type of transaction processes. This is something your ordinary consumer would not know. It should not be possible for a Chase Loss Prevention department Team to ruin someone's finances due to the consumer 's lack of knowledge about how these " conveniences '' of Chase actually work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Early Warning Services, LLC
State: IL

Complaint narrative:
EWS ( Early Warning Services ) unlawfully obtained my credit profile and reported it to XXXX XXXX XXXX XXXX without my permission. Initially XXXX XXXX allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by EWS. They are now holding my money and will not allow me to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Pennymac bought my mortgage.

I sent first payment by mail on XX/XX/2021. 

They claim they never received. I called several times in the month to see if they received. 

XXXX  payment which arrived in Pennymac processing center on XX/XX/2021 confirmed by Pennymac customer service. They said would be processed that day/evening after hours. Said I could call back Saturday morning XX/XX/2021 and confirm. Said payment would be counted as received because XXXX confirmed receipt. 

Saturday XX/XX/2021 they stated that they couldn't confirm receipt because its the weekend and they can't contact the cashier department. This is not what customer service agent XXXX said on XX/XX/2021. She said they'd be open. 

I can not as of yet confirm that payment was received. XXXX in their XXXX Tx office says there's a '60 day grace period for new customers '. I dont need that because I'm TRYING to pay them. This is a scam. They want electronic payment and a late fee. I need CFPB help to make sure my payments are received and that I am not charged late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint on XXXX, Equifax & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint on XXXX, XXXX  & Experian due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately.

The following accounts are in violation and need to be deleted XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
XXXX XXXX have reported an account to the credit bureaus that does not belong to me this account was in direct result of identity theft they have been notified of this incident and I filed a police report with the local police department regarding the identity theft and this account!

Company response to consumer: Closed with explanation