vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: NV

Complaint narrative:
On XX/XX/XXXX of 2021 I had a dispute on a few repeated transactions. I also sent a letter in details as to what happen because I also tried calling the Company trying to get my funds back. I was trying to get an affordable insurance for myself and the representative of that company misled me into signing up telling me the benefits but its not an insurance but a discounted program. I did not find out until after my account was already being taking out payments and because I questioned the Company why I have not received my policy and health card. I called the Company more than once and all they say was they mailed it and probably got lost and they're sending another one. I finally received the card after a few months, the card says its not an insurance but a discount. I called that Company .. upset and told them I wanted it cancelled. The next month the money was taken out again. I found that the Company is under " XXXX XXXX XXXX XXXX XXXX '' and which they also had many Complaints from the BBB I had a very bad experience with this Company personally. I'm XXXX old and they should not take advantage of not just me but people my age in general .. being misled. Either case I'm trying to get my money back from this Dishonest people or Company. When I called my bank they said I can file a dispute and will Investigate. I don't believe they did. I sent all the information and I had to wait 3 months for them to tell me I can not get credit for it. I don't understand how a Company is allowed to run like that to misled or trick people ... They took {$300.00} .. that is a lot of money for me. And my Institution I thought can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello, Sometime ago I submitted a request to have a bankruptcy filing which I was advised by my attorney to file due to an illegal foreclosure. Unfortunately my initial mortgage was with XXXX Bank and after a couple of years I took advantage of the federal Making Your Home Affordable Act. XXXX had me withhold payments for almost a year while they processed my application. I was approved and made all of payments at the new rate for almost 8 months when my mortgage was sold to XXXX XXXX XXXX. XXXX never transferred the paperwork for the new rate so XXXX XXXX demanded all payments which XXXX had me withhold and raised my payment amount to the original loan amount. Eventually XXXX Bank had to settle with mortgage borrowers for mishandling paperwork for which I received a paltry settlement in the HARP class action lawsuit. Both XXXX and XXXX XXXX also had to remove any derogatory credit information, but this didn't include bankruptcies their clients were forced into due to their actions. My credit record was fine before this illegal action by these banks and I would like to be made whole again by having these bankruptcies removed from all three credit bureaus. Thank you.

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 2021-05-15 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: NY

Complaint narrative:
Re Account : XXXX Discover Bank listing negative to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. The reports are inaccurate. I have contacted Discover via certified mailed, discover failed to produce any supporting doc. NO doc received from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notification that the number on my chime account had been changed and another stating the card was removed from XXXX XXXX. I immediately checked XXXX XXXX XXXX card still there XXXX logged into account and seen transactions I didnt make. Immediately called chimewhile on the phone with them trying to disable the card I watched over XXXX $ leave my account. I watched them transfer money from savings to spending and couldnt do anything about it. Its now XX/XX/XXXX and I am still waiting on my funds. Spoke with a supervisor on XX/XX/XXXX who stated she labeled the notes as High Priority. Why isnt everyone who has a dispute not treated as high priority? The nightmare goes deeper than that but thats to sum it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I discovered inaccurate and incomplete information on my credit regarding this account. The account number in question begins with XXXX. I discovered that the account was not fully reporting correctly as it is incomplete and inaccurate. At which point I started a dispute with the credit bureaus in and around XX/XX/XXXX. In and around XX/XX/XXXX I received a letter stating this account has been verified. I asked for proof of verification including the specific person 's name, email, phone number, etc, who verified that the account is listed with 100 % Accurate and Complete Information as required by the FCRA. I never got a response to that request from the credit bureau. 

I mailed Pentagon Federal Credit Union directly on XX/XX/XXXX at the address of : Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Of which, as of today XX/XX/XXXX, I have received no response from Pentagon Federal Credit Union in writing. I then proceeded to do two other disputes with XXXX, XXXX, and XXXX. In each dispute, the information returned as " The information you disputed has been verified as accurate. '' I sent another letter directly to Pentagon Federal Credit Union dated XX/XX/XXXX and still to this day, I have not received any verification or response. The issue is that Pentagon Federal Credit Union is in violation of FCRA by not ensuring the maximum possible accuracy that can be. I have highlighted, circled, bolded, drawn, and written out several violations that you continue to allow to be reported to my credit report. I am giving you one last opportunity here to do the correct these errors as I am prepared to file suit for the harm and stress this erroneous reporting has placed upon me and the lost opportunities that have come from it. I have attached many documents to this case for your examination. If taken the time to look through them, I am sure that you will easily find a host of FCRA violations as I have. I am requesting this account be deleted immediately and a deletion letter be forwarded to myself 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 explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hear the recordings I have spoken to two different persons from fraud team. One of the person was giving me wrong information with full confidence. Then I asked his manager to talk to me. Here is what is said. Everything is recorded by me and i hope they also record the conversation.

1. He said that the card will work for 45 days even if customer report that as stolen.

2. When i asked here is this information mentioned in Card agreement, he started bluffing and finally we both agreed that Amex is doing information hiding. Where they willfully hiding this information. 

So basically Amex allowed stolen credit card to work with some specific types merchants even if customer report the card was stolen. 
So as a customer notifying to amex is sufficient. 

THE MOST IMPORTANT QUESTION THEY STILL NOT ANSWERED HOW DID THE PERSON WHO STOLE MY CARD WAS ABLE TO MAKE TRANSACTION ON XXXX XXXX WHERE I ALREADY NOTIFIED to THE AMEX ON XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a prepaid card from Bank of America that I get my XXXX payments on. My card info was stolen and on XX/XX/2021 someone was able to withdraw {$900.00} out of my account. I contacted Bank of America within minutes of it happening because I received a text alert and explained to them that I was at home with my card in my purse and I did not do that transaction nor have I ever let anyone else use my card. I filed a claim along with a police report but they are refusing to reimburse me. This has been devastating for me and I really need help resolving this matter and getting my money back.

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 2021-05-15 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: GA

Complaint narrative:
I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted Equifax and XXXX about the hippa violation and the failed to remove the collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NJ

Complaint narrative:
As I reviewed my credit report I noticed a few accounts that are not mine XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: GA

Complaint narrative:
I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted XXXX  and Experian about the hippa violation and the failed to remove the collection from 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 2021-05-15 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: NJ

Complaint narrative:
As I reviewed my credit report I noticed a few accounts that are not mine 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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Account verification for cryptocurrency exchange has not been verified after several days. Attempts at communication with customer support have not been responded to. 

All the required documents for the verification process have been sent. As it currently stands, I am allowed to purchase crypto but am not allowed to withdraw or send and currency until my account is verified. In other words, I am allowed to make purchases but can not withdraw or cash out my investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX WAY, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-05-15 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: LEXISNEXIS
State: NY

Complaint narrative:
RE : You violated the United States Code Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus ( XXXX XXXX XXXX ). If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also 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. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to 2 years in prison. you are also guilty of FDCPA 8012 furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). also there are inaccuracies in the reported late payments according to 15 U.S. Code 1666b. Timing of payments, FDCPA 807 misleading false reporting, FDCPA 8012 furnishing deceptive forms, and also the CARES FORBEARANCE ACT. there are literally too many violations to name. please address this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Thu, XX/XX/2021 XXXX XXXX EDT, Signing on from from XXXX browser to website XXXX exchange and they froze my account even though i have authorized it was me, i have not been able to get my account unfrozen i sent them a support ticket email for 4 days its now Saturday, XX/XX/2021 and not one have been able to help me plz help my assist have been locked this company used to have XXXX  quick help support team now it's ghosting me and taking my money hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX/XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-05-15 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: GA

Complaint narrative:
I noticed a few accounts on my report that are invalid and are not mine

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