vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have been banking with Chime bank for over two years. My account was active up until XX/XX/2021 when I received an email in the evening advising me that my account had been closed due to non compliance of deposit agreement. However I just used my account and didnt do anything different for them to close account. There were no fraudulent activities at all. My direct deposit has been coming to this bank the same way over two years. When I contacted customer service I was advised they could not tell me exactly why it was closed but that I was in violation. I have reached out on more than one occasion and to no avail no assistance but they are keeping my funds without an explanation. Please assist as there was no valid reason or violation for my account to be closed without notice or valid reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with SANTANDER and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SANTANDER claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SANTANDER has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Report states account reviewed 73 months which is 6.08 years. Report also states account opened XX/XX/XXXX and closed XX/XX/XXXX which is 13 months - 1.3 years. Report shows a 5 year and 5 month discrepancy and must be deleted 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 2021-05-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 


Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
entered a consumer credit transaction with SOUTHERN CREDIT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SOUTHERN CREDIT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SOUTHERN CREDIT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received notice from XXXX XXXX the credit card ( mobile payments ) numbers were hacked that were used in my purchase made onXX/XX/2021. These unauthorized charges were placed on my account : XXXX XXXX. *XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX. *XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX XXXX XXXX XXXXPayment - {$6.00}XX/XX/XXXX XXXX XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX XXXX XXXX XXXXPayment - {$6.00}XX/XX/XXXXXXXX XXXX XXXX - {$8.00} I contacted Paypal about the charges and they returned a message dismissing my claim saying that these charges reflect normal usage. 

Attached are : The Declination letter from Paypal Copy of XXXX XXXX Payment Made from the Mobile Wallet Fraud letter from XXXX University Regarding XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: Great American Finance Co
State: MI

Complaint narrative:
Great American finance was opened on XX/XX/XXXX, and closed in XXXX. They are reporting late payments for XXXX and XX/XX/XXXX. It says on my credit report that the account is open. Which is false information. This account has been closed for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A collection item from XXXX XXXX  appeared on my credit report that did not belong to me. I disputed the item with all three credit bureaus and all three confirmed that it was not mine and removed the item from my report. Now the same account has appeared again but is being reported by Portfolio Recovery Assoc. I once again disputed this item but Portfolio is claiming their information is correct and is refusing to remove it from my report. This is not my account and needs to be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA
State: OK

Complaint narrative:
myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TX

Complaint narrative:
Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TX

Complaint narrative:
Transunion credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit 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 2021-05-25 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: MN

Complaint narrative:
As I reviewed my credit report I see the following account that are not belong in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: AR

Complaint narrative:
I had a account with Crypto.COM and my account was hacked, all the cryptocurrencies were converted to Bitcoin then transferred to someone else 's account. I have been getting the runaround since the day it ocuured Monday XX/XX/2021. I have sent a number of emails and have received very little information back from Crypto.com. My responses have been " we will get back to you in a day or so ''. I have yet to here from them with an answer of what they intend to do.

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 2021-05-25 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: CA

Complaint narrative:
There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-05-25 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: CA

Complaint narrative:
There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: LA

Complaint narrative:
CHOICE RECOVERY IS ILLEGALLY REPORTING ON MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I, XXXX XXXX, mortgage holder of loan # XXXX with Phh Mortgage am filing an additional complaint to case # XXXX assigned by FTC. I had filed a previous complaint with above case # on Phh mortgage regarding why a re-issuance has not yet been sent to me of {$6200.00} which was from overage in escrow account when loan was paid in full the second time around. 
XX/XX/2021 i received a escrow account letter from Phh Mortgage showing the accounting of the escrow account which does not make sense to me why they are sending me this letter and not refund again which should still be available since the second payoff of loan is same. 
I tried to contact bank but was sent an e-mail by their attorney XXXX XXXX to cease and decease contact with the bank since the account has been paid in full. 
At this point my first complaint has not been addressed accordingly. This escrow letter sent to me by Phh Mortgage is not sufficient response. From the reading of the letter it appears the bank is trying to state there is all of a sudden no overage in escrow account as prior which is not adding up because there was an overage the first pay-off. I am once again requesting my refund be reissued of {$6200.00} and payoff letter and want reason why it has not yet been resent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For 5 months I have been trying to fix the issue revolving around my address with Equifax. I moved to my current address on XX/XX/XXXX from my old address. Equifax stop reporting my score where other bureaus could see my score because they say I have a different address as of the end of XXXX and beginning XXXX. When I discovered this problem in XX/XX/XXXX I started sending them proof of my new address. I have been told by reps at Equifax that they have received this information but when it comes time to fix the problem of updating my information something is always wrong like that they cant see my ID so I sent them color copies now they say that they dont have a copy of my billing statements with my current address that they told me they had before. I dont know who I XXXX off at Equifax but now it's really starting to feel personal. I am a XXXX of this country and someone who has taken a very hard hit from the Coronavirus financially. I am trying to buy a house in a better neighborhood to provide my family a better way of life and all I'm asking is that this problem be taken care of so that I can move. In order for me to do that I need to be able to get a 3 bureau credit report off my other sites like XXXX and XXXX but I can't because Equifax refuse to update my address. Not to mention my account has been dropped from XXXX because they cant pull my credit info from Equifax. I have sent documents proving my current address again on XX/XX/XXXX that they claim take them 10 days to get even though I sent it by fax machine. Hopefully it doesnt disappear like other information I have sent. All I want is my current address to be updated to the right one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax,XX/XX/XXXX and XX/XX/XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
THEY ARE ILLEGALLY REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation