vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-07 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Chrysler capital ruin my credit score, they charge high interest rates and the costumer service is horrible, I had one late payment since 2018 and they did a bad report to my credit score, please check this companys review and complains. 
Chrysler capital doesnt have any respect and consideration for the costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a fraudulent charge on my credit card so I reported it. Chase cancelled my card and sent me a new one. Chase then determined I made the charge somehow. I never received the new card. Chase texted me saying a purchase was attempted at XXXX on my new card and they thought it might be fraud. I said it was because I never even received or activated the new card. Chase took one of the purchases from target off but left the other one on my account. I disputed it and they said after their investigation they determined I was liable for the charges. I disputed the charge again, telling them I never received the card or activated. They said the investigated again and determined I was liable. I now have a {$350.00} charge from XXXX that they are making me pay and a {$8.00} monthly charge from XXXX that I have no idea where it came from. I dont even use this credit card. It hadnt been used is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I contacted Lvnv funding / XXXX XXXX  after months of them collecting XXXX $ in recurring payments from my account to pay a debt off. I am currently working on my credit and they stated over the phone the amount of XXXX $ would settle the account and a letter would be sent via mail within 7 to 10 business days from the date the payment was made. No letter has been sent and they falsely still have an amount showing on my collection on my credit reports. I have stated to them this has stopped me from bettering my credit and they still choose not to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Ive tried to open a checking account and each time I do I keep getting a letter in the mail saying they cant approve me at this time and most of the responses are just as I said they are unable to approve me at the time Ive tried quite a few different banks and all get the Same response Id like to know what I need to do or what the issue is so I can resolve it and try and get a checking account opened. I understand my credit score is pretty low that is due to a few cards I had that showed a high balance that I did not recognize and made my limit over the limit there were charges to my account with my knowledge or authorization. If I oils get a clearer view of what is going on with my information it would help so I can try and fix this and get an account opened up so I can try and pay some of my bills.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello Im a victim of a Debt Card Fraud that happened XX/XX/2022. Ive been reaching out on chase bank but I feel like theyve been passing me around and not taking me seriously. On XX/XX/2022 I received a notification from my XXXXphone device that my debit card was removed from my digital XXXX XXXX I immediately check my Chase Bank App because I didn't do any changes to my XXXX XXXX There, I saw that there was an unauthorized withdrawal transaction of {$3800.00}. I do not recognized this transaction and it happened on the same day. I was at work at that day. I immediately called Chase to report the fraud claim and to cancel my debit card. I gave them the details and I was told that my case will be reviewed. I was told that the transaction happened through a XXXX XXXX  from an XXXX  device. Therefore I showed them proof that my phone is an XXXX and I even printed out my time card at work as an evidence that I was at work when the transaction happened. My case was denied one after the another. Chase fraud department has been passing my case around. I was informed that the transaction happened at one of my local bank at XXXX XXXX XXXX, XXXX XXXX  XXXX. I went to the bank to seek for more advice and help. My case was even brought up to the corporate fraud department. However, Chase Bank still denied my case. Their reason is that " there was no other changes made in my account '' This does not make sense since whoever stole my money switched my apple pay to a different phone which is an Android phone. Its unfortunate how theyve been treating me and I have nobody to help me. What I needed is someone or if anyone can give me guideline of where would I go from my case. I reported this incident to my local police department as well but haven't receive any update. I'm helpless at this point and don't know that next step on how to get my money back. Please feel free to call or email me. Looking forward to talk to you guys

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I contacted B of A card services by phone on XXXX to inquire about my three charge-off credit cards. 

The customer service representative in the collections department informed me that my accounts were no longer with B of A and that they were " placed '' with XXXX XXXX XXXX. 

According to XXXX, placement is the sale of securities. 

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

So if my debt was " placed '' with XXXX XXXX XXXX, the debt would have then been sold, and the balance reported to the three credit bureaus on my three charge-off debts should be {$0.00}.

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 2022-04-07 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I settled my debt with convergent outsourcing. The original creditor is XXXX in which I owed XXXX. After settling I realized that the same debt was reporting to my XXXX credit report. Today is XX/XX/2022 and I have duplicate accounts reporting to my credit report. One of which is stating I still owe XXXX. I have contact XXXX and Convergent Outsourcing with no success.

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

I am also a victim of identity theft in 2020 and a victim of identity theft in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: VA

Complaint narrative:
Im accordance with the fair credit reports act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX capital one put a late payment on my account knowing that I set up direct deposit, I quickly call my financial institution they told me that no payment was processed during that time. I called capital one they said it was a mistake from their end they will figure it out and call me back never heard from them. In XX/XX/XXXX They closed my account and charged it off, I called them the agent told he understands but theres nothing He can do, since then late payment is showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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/2022 I initiated 5 disputes that included mulitple unauthized transactions. On XX/XX/2022 I received multiple emails stating no error was found and my disputes were closed. On XX/XX/2022 I contacted Chime customer services and was advised documents would be sent to me. I also provided a police report for my rebuttal to the disputes that were denied. On XX/XX/2022 I received another email advising me that my rebuttal was denied and Chimes decision still stood since I did not provide any additional information which I did. On XX/XX/2022 I again contacted Chime customer service regarding my disputes and was advised to send the police report in again via email and the rebuttal request. On XX/XX/2022 I received an email stating the decision was the same with my error found. I again contacted Chime customer service and was advised I should have received the documents regarding the investigation decision and since I didnt they will put in a request and I should receive them within 10 days. I spoke to a supervisor XXXX that advised me that I would have to wait 10 days for the documents regarding their decision. I was also told by XXXX that I would have to provide additional information in order for my investigations to be reopened. I have provided what I have as well as filed a police report which I am not required to do but the bank requested me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
mysynchrony for XXXX credit card has not taken the amount of {$700.00} off my account when they sent me a letter stating that they investiagated my return, proofed that the company receieved the retured item, and said i would not be charged for the item that they would be removing it,. ive checked the account constantly they dont remove it i contacted support again and again and they keep responding that they will check to see whats going on and have me going thru the whole process again and again everytime i contact them .you guys send me letters saying its at XXXX but you continue to have my account saying 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 monetary relief
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-07 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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