vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: C/C Financial
State: GA

Complaint narrative:
Creditor : Preferred Lease XXXX XXXX XXXX XXXX, TX, USA XXXX I am a victim of identity theft. I recently learned that my personal information was used to open an account at Preferred Lease. 

On XX/XX/XXXX, I received an email from XXXX alerting me of a new installment account from a third-party lender called Preferred Lease. I logged into my XXXX Account confused, as I have never heard of this lender and never done business with them. I opened the alert in my XXXX account and saw a {$6000.00} installment plan. Further research, calling the phone number provided for Preferred Lease uncovered the following details : The lender, Preferred Lease works with XXXX XXXX XXXX and other furniture retailers to provide furniture on credit. 

XXXX XXXX XXXX and Preferred Lease failed to properly identify this person 's identity prior to approving her loan. While she does in fact possess forged documents of my personal identifiable information bearing my name and SSN, she submitted a photo of her method of payment covering her own name on the card, and the delivery address and billing address she provided did not match the address on my license, which should have been cause for additional verification of her identity. Preferred Lease has ignored my request for resolution of this matter.

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 2021-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Tried to reach Bank of America but put on long hold. Im receiving statements which are mailed significantly after the billing cycle ends which gives me little time to make the payments on time. Recent example : the statement date was XX/XX/XXXX but bill was postmarked XX/XX/XXXX. I received the bill on XX/XX/XXXX and the due date is XX/XX/XXXX. This gives me 2 days to get the bill paid!

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2021 the SBA sent a Bank Wire in the Amount of {$9000.00} to my personal checking account I have with Chime. It was rejected by Chime. I was told that it was rejected because of the name on the check. Upon further research, there were no errors in my name. I was emailed and told that it was rejected because Chime does not receive Business Loans to Personal checking accounts. 

I explained that in my state a sole proprietor/ Independent Contractor/Owner-Operator of a business is not required by law or the IRS to have business banking. That my First loan and advance was received without a problem. 
I have not been able to reach anyone at the SBA to update banking information. 
I feel marginalized and discriminated against by my bank. They have harmed my business and my mental and emotional state of mind. Preventing me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
This is a formal complaint against Specialized Loan Servicing ( SLS ) and XXXX XXXX. When I purchased my new home, I was convinced to buy a paid in full mortgage insurance premium. I knew the full 10 years of the policy would not elapse before the policy was cancelled and decided a refund for the unused portion would be fine. Since the purchase, I have brought my equity up and the mortgage insurance is no longer needed. I paid {$10000.00} for the 10 year policy and it was in effect for only 1 year and 4 months before cancelled. I refinanced through a different company and paid the original loan in full so it met the 80 % requirement for cancellation. 
The loan servicing company and insurance company are now telling me that it is a non-refundable INSURANCE policy. I have received the paperwork that I signed when I originated the policy, and it states that the policy is refundable with 30 days notice. I originally contacted them XX/XX/2020. My loan Number with SLS was XXXX and my insurance policy with XXXX is # XXXX. I have contacted them numerous times via letter and calls and they still refuse to uphold the cancellation policy in their terms. 
I am attaching the letter of correspondence that SLS has provided to me in their response and the original paperwork that I signed to setup the insurance policy.

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 2021-04-12 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: MI

Complaint narrative:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are 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 2021-04-12 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: MI

Complaint narrative:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are 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 2021-04-12 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with XXXX XXXX financial services for a credit card. This was not me. I contacted the credit companies, as well as XXXX XXXX, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with Lowes, through Syncrony bank. This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted XXXX XXXX, and Synchrony bank, who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, XXXX XXXX has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with XXXX XXXX describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

XXXX XXXX is now participating in the fraud by deliberately stalling fixing their error.

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Two separate accounts in BBVA personal XXXX XXXX XXXX XXXX account # XXXX /Business account XXXX XXXX XXXX Account # XXXX Business account had a merchant debiting the account without any permission. Business account went into insuffient funds. BBVA said there was fraud on the business account .BBVA took money out of may personal account writing a credit check and depositing it in my business account, all money, {$12000.00} the business accounts insufficient funds including the bank fees totaled {$2100.00}. labeled as fraud .After my personal money was credited in the business account the bank, BBVA , paid the {$2100.00} and then " Force Debited '' the business account to zero, taking {$9800.00}. The bank did not have my permission to write a check out of my personal account and deposit it in the business account.. Before the account went into insufficient fund status, because of automatic debiting, I went to the BBVA bank branch and informed the branch manager, XXXX AZ ( XXXX XXXX XXXX. 
See attached for more clarification information and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. 
I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, and the Police Report for this case. Please investigate these matters and block the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Today XX/XX/2021 I received a test message I believe to be a scam or phishing. I keep getting text messages on my phone saying my Amazon account is locked for security reasons. They want me to verify payments at : https : XXXX? XXXX CASE ID : XXXX! QH I received this notice today at XXXX on my cell phone. This is the third time I have received a notice like this that I have not idea where it comes from. The phone number it originated from is 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 2021-04-12 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: PDQ Services, Inc.
State: GA

Complaint narrative:
on XX/XX/2021 sent all major bureaus, XXXX XXXX XXXX my affadavit regarding ID theft seeing unauthorized accounts on file. Also, these accounts are reporting negative information on my file. Lets start with Experian : FCRA 623 ( a ) ( 7 ) Negative Information In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative, in writing, to the customer.

( B ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 clays after, furnishes the negative information to a consumer reporting agency described in section 603 ( p ).

( 1 ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosure provided under section 127 ( a ) of the Truth in Lending Act.

I have done my own investigations and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. You are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 


Name of Account Account Number Provide Physical Verification PDQ Services INC XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX XXXX {$220.00} Fair Collections & Out XXXX {$180.00} XXXX XXXX {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
XXXX XXXX is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.

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 2021-04-12 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: MI

Complaint narrative:
XXXX XXXX is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
XXXX XXXX is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.

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 2021-04-12 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: NY

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on XXXX dropped 41 pts on XX/XX/XXXX for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of Equifax and XXXX, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) XXXX score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the XXXX report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for XXXX monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my Equifax report, but after the experience with XXXX, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at XXXX and " Good '' at Equifax. Heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
CHASE, `XX/XX/2021 {$290000.00} it saw fraud from chase in New York at a atm at a Chase.. 
They is I did it, I live in XXXX La, for 30years I am a XXXX, an can not walk an the bank is giving me no help. 

At XX/XX/21 an file a Police report on fraud..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: UT

Complaint narrative:
Equifax was contacted 3 separate times and I have recorded the interactions by mail. They have failed to remove the items on my credit report as required by federal law for individuals that are victims of identity theft. Subsequently, Equifax is the only credit reporting agency that refuses to correct information as I demanded they do on 3 separate occasions. Equifax has knowingly and blatantly disregarded my dispute and subsequent attempt to correct information on my credit report as reported wrongfully due to my being a victim of identity theft. I will be uploading information and correspondence they failed to properly investigate and items they have failed to remove, indicating their blatant disregard for federal law. I am demanding that they take action and remove the negative derogatory information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent money to a friend but my friend is not able to get into the account because it is asking her to verify a debit card that she no longer has. My friend opened up another account with Cash app and has asked them for help getting into the old account. Cash app says that they can not help her get into the old account nor can they transfer the money to her newer account. She has been in contact with Cash app since XX/XX/XXXX. I have also been in contact with Cash app since XX/XX/XXXX. I would like for either her to receive the intended money or for them to just send me back my money. Cash app keeps saying that there is nothing they can do for me & my friend gets the same response. 
I sent {$66.00} on XX/XX/XXXX. I contacted Cash app on XX/XX/XXXX by email. I then contacted them again by phone numerous times with the last time being on XX/XX/XXXX At that point I asked for a manager. I was told that I can only communicate with a manger through email. Manager stated that they could not help & the recipient needs to reach out. However she has been reaching out to Cash app support for as long as I have and they have not helped retrieve the money.

Company response to consumer: Closed with explanation