vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX, I received several emails from a financial services app called Chime, letting me know that an account was opened using my email address, and that a service called XXXX  was activated. ( This appears to be an overdraft protection feature, covering up to {$5.00} of overdraft ; this feature was used immediately, with whoever opened the account purchasing {$.00} worth of something from the XXXX XXXX XXXX ). 

I have checked my bank accounts and credit cards, and I can't seem to find any evidence that my personal financial information is linked to this Chime account that was opened using my information. However, on Tuesday, XX/XX/XXXX, I received notice that a Chime Visa card was being sent to me, and the address in that email matched my actual physical address. As a XXXXXXXX XXXX XXXX XXXX, my personal information WAS recently compromised, with everything from my social security number to my address and phone number being stolen, along with thousands of other employees '. I have credit monitoring and everything, but this was a disturbing first case, I think, of someone using my information fraudulently. 

My complaint is that I immediately tried to contact Chime to get them to cancel the account, and I have emailed them several times now : three times on XX/XX/XXXX, once on XX/XX/XXXX, and once again this morning ( XX/XX/XXXX ). On XX/XX/XXXX and XX/XX/XXXX, I received automated email responses that assured me they take fraud very seriously, but then also asked whether I was sure that I hadn't opened a Chime account months or years ago. And no matter how urgently I've tried to communicate their need to shut this account down immediately, I have yet to receive any communication that suggests a real person is taking care of this, or that there's any urgency to address fraud when someone brings a case like this to their attention. I don't know how much of my personal or financial information might be in their database right now, I don't know who might be using it, and I don't know how much risk my own credit reports/credit score might be under ; I would have loved for a Chime representative to communicate with me, but because they have not, I hope the CFPB can help.

One last note : Chime 's phone tree is an absolute nightmare. It goes nowhere -- whether you tell them you're an existing customer or not, they redirect you to the website or to the email address, XXXX. It was not possible to speak to a real person when I tried it on XX/XX/XXXX, and that is why I've been emailing them so much. If I could have called and gotten it resolved right away, I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TX

Complaint narrative:
I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good morning, While observing my credit report I noticed several inquiries that I do not recognize nor were they authorized by me. This inquiries are not affiliated with any open accounts I have so if possible, I am asking for them to be removed from my credit report. The inquiries that I do not recognize or authorize are : XXXX 1. XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/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 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I got a mail from regional Finance with a check that has been cashed posting date XX/XX/XXXX for a vaule of {$2100.00}, i never applied or recieved this check. Regional Finance sends out live checks to people unsolicited and in this case It was stolen and cashed. At this time of this incident it is recorded with USPS my mail was in hold to be held at post office due to mail box break in. This piece of mail and many others weren't held and postman left in mail box and i was not aware of this. 
Check number : XXXX. 
I do not have an account with this company. 
The DL information and email as well as signature isn't mine. 
I went into regional Finance office and filed a fraud complaint XX/XX/XXXX got a affidavit form, which i submitted on XX/XX/XXXX a form which a notary signed off on as requested. 
I opened dispute with credit bureaus and received a response today stating the company verified information that they know is not mine. Per XXXX I am contacting you to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
FedLoan Servicing failed to properly process my attached Employment Certification Form ( ECF ) for PSLF consideration. 

- On XX/XX/XXXX, I submitted the attached ECF to FedLoan Servicing. 
- On XX/XX/XXXX, I received the attached letter from FedLoan Servicing, stating that my ECF was missing information in Section 3 pertaining to my ( 1 ) employment start date, ( 2 ) employment end date, and ( 3 ) information in Section 3, items 9-12 pertaining to employment organization type.

- However, a plain reading of the form shows that : ( 1 ) my start date was XX/XX/XXXX, ( 2 ) my end date was XX/XX/XXXX, and ( 3 ) Section 3, Item 9 indicated " no, '' and Section 3, Item 10 indicated " yes, '' which constituted a full accounting of all information FedLoans claims was missing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XXXX of 2021 I checked my credit and found out that a company that I had no idea of was reporting to the credit bureaus that I owe them money. I have sent several disputes to them as well as the credit bureaus and they have all said it was verified as mine. I asked them to send me the validation that it was mine and all the methods used to validate these claims to which they have ignore all my request and continue to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: FL

Complaint narrative:
I have contacted Experian twice asking for investigation on a credit account appearing on my credit report twice from XXXX XXXX. After two rounds of disputes sent to Experian the account keeps coming back verified with several late payments which is incorrect. These late payments from XXXX XXXX continues to report negative which is costing me thousand of dollars in interest. I personally called XXXX XXXX and provided my name and social and there is NO account listed under my name or social. I have asked for this account to be deleted from my credit file as this account is being listed twice resulting in 12 late payments per account. Experian hasn't properly verified this account and continues to remain on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Captal One has placed my account as if I am not paying my monthly bill which is incorrect I have requested nicely to change my due date to the XXXX of every month and they have done nothing to correct this now Im in collection for not paying my monthly payment attached you will see I have made 14 payment which is the amount of month I have the loan and were never a problem instead they are placing my account in late states without reason because when i took loan I advised then that my check and my spouse comes on the XXXX  so my due date was requested with the date of XXXX of every month to no avail. Need help with capital one to correct my credit report and to correct the due date to the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I received a Cash App debit Visa card in the mail at my address that I did not request. The card and related account were fraudulently opened using my identification. 

I contacted Cash App by phone. They sent an email with a link to share card details. And I responded with the details. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation. 

I further requested what additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's IdentityTheft.gov site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was opened by XXXXXXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. The FDIC replied and said I should make my complaint against Square Inc. ( owner of Cash App ) with the CFPB. To the best of my knowledge, no action was taken by the FDIC against either XXXXXXXX XXXX or Square Inc. for apparent non-compliance with the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/21 I received a cash app visa prepaid debit card in the mail. It was from Square inc. CashApp XXXX XXXX . I never has a Square or CashApp app account. I have been trying to get this card and Square account cancelled. I believe it is a identity theft problem and I would like them to cancel that account in my name.

Visa would not cancel the card. Cash App asked for info to send them to cancel the card which I sent them. Square said they really couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TX

Complaint narrative:
I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.

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 2021-09-29 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: MD

Complaint narrative:
Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.

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 2021-09-29 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: MD

Complaint narrative:
Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: MD

Complaint narrative:
Since XXXX, I have had this complaint with the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and stressed. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.

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 2021-09-29 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TrueAccord Corp.
State: PA

Complaint narrative:
My name is XXXX XXXX. I paid off the balance with XXXX and sent in all the paperwork stating that it was paid off. They sent the balance to a different company TruAccord who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.

Company response to consumer: Closed with explanation