vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX during a pandemic when I was struggling with money. I was charged 63 times for overdraft fees. By Chase Bank. The fee for over driving is {$35.00}. I paid over {$2200.00} in overdraft fees. When I found out they would reimburse you for your overdraft. But they would only reimburse up to 6 overdraft fees out at a time. After doing that a couple times. They won't let any overdraft my card anymore and they won't tell me a reason to why. Plus I've been a customer with them for 5 plus years I've overdrafted plenty of times and always paid the fee. This past Friday I was short {$100.00} on my car payment. Which I need to pay to keep my car so I can get back and forth to work. They wouldn't let me overdraft my card to pay my car payment. When I went to talk with the banker and showed him everything that was going on he told me there was nothing he could do for me. That it was Chase itself that was not lending me the to overdraft my account. I ended up having to pawn my TV and XXXX to pay my car payments. And my TV and XXXX are still at the pawn shop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Credit reporting Agency that i have been fighting with XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to cmtauntondc Experian somehow got a hold of my bankruptcy report and put back items on my credit report even though they were done away with thru bankruptcy and have not appeared since the bankruptcy i had a good credit score until they got involved now my credit reports are bad. they also had incorrect info on my report that is why i started this whole process. they are the only one that had my credit info for the so called free report that i canceled yet i just went into my bank account and it had been hit for XXXX by a company called score sense but i know it has something to do with Experian because they were the only ones that had that info i called score sense told them i had canceled and was told it may take a day or so if they decide to credit it back and gave me a confirmation number.. What can i do about this i did a credit lock but they were still able to put these things on my report. my name is XXXX XXXX XXXX XXXX i filed in 2015 after i got very sick and evently had to leave my employer and go on XXXX  i am XXXX had XXXX twice may have it again because of XXXX  and Dr etc i do not yet know because of all that stress and now this what can i do please help me i need some clear legal help.this is just the latest info i contacted XXXX XXXX explained that there had been a break in one XXXX  that wiped out my accounts last year and added accounts that should not be there i have worked really hard to improve my credit the only thing i have out there that is mine is my car loan with around {$6000.00}. that is it

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 2021-05-27 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
ACCORDING TO MY BANK CHASE PUT A STOP PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!! I ONLY HAD IT FOR ABOUT A MONTH!!!!! XXXX????? THIS IS COMPLETELY UNACCEPTABLE AND NEEDS TO BE FIXED IMMEDIATELY!!!! I CAN BE REACHED VIA EMAIL!!!! STOP HAVING ROBOTS CALL!!! I CAN'T UNDERSTAND A WORD THEY'RE SAYING!!!! I'VE BLOCKED YOUR PHONE NUMBER!!!! REPLACE MY CHECK WITH A VALID ONE SO I CAN BE DONE WITH CHASE FOREVER!!!!! YOU XXXX EVEN SENT ME A " RECEIPT '' OF THE CHECK!!!!! BUT THERE WAS NOTHING ABOUT A STOP PAYMENT!!!! I SHOULD NOT BE CHARGED {$15.00} BECAUSE OF YOUR BOGUS CHECK!!!!! THIS IS ABSOLUTE XXXX!!!! CUSTOMER SERVICE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am getting threats to repay a loan from ACE cash express taken in XXXX which I have not taken .The bank account XXXX XXXX XXXX where the amount is deposited is not mine. 

Please report a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Sender sent the money, when I went to pick it up they had me call to obtain a pin. Once I received the pin they said they had the money but that the sender had to call again. I asked the sender to call and then I went back again and called and they told me that it was picked up by someone else. When I inquired to find out by who they refuse to specify citing privacy issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: College Ave Student Loan Servicing, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX XXXXsomeone tried to open up a fraudulent loan under my social security number at college Ave and XXXX I notified them that it was not me in the account was fraudulent and ask them to send me documentation to prove that the loan had been terminated in which I called on the XXXX XXXX XXXX XXXX trying to obtain documentation in which I have not received any and the company is not helpful whatsoever trying to clear up this fraudulent matter knowing that I'm the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WV

Complaint narrative:
On XX/XX/2021, I made an online application for a mortgage loan with Amerisave Mortgage Company that included payment of a property appraisal fee in the amount of {$660.00} through my MasterCard account. On XX/XX/2021, I received correspondence from Amerisave notifying me that my mortgage loan application was denied. I requested the name and contact information of the individual with Amerisave who has the authority to reimburse me for the unused property appraisal fee in the amount of {$660.00}. I received a voicemail recording and left a message. I spoke by phone with the application agent and was advised that the appraisal fee payment would be returned to my MasterCard account, that reimbursement has not occurred. 

I am requesting the assistance of the CFPB in requesting Amerisave Mortgage to return my {$660.00} deposit. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX, Equifax and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested Experian, XXXX  and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX Chime closed my checking account with {$9300.00} in it for no reason at all. Since they closed my account, I can not talk with them. I have to email their support. I emailed 45 times. Nobody has emailed me back. I called the XXXX XXXX n they transferred me over to the escalation team at Chime. On XX/XX/XXXX that team said the check for everything in my account was already requested n would be sent out. On the XXXX when I called back to verify, the next person did not know what I was talking about. I filed a complaint with the XXXX. They will not email me ever but they contact XXXX  right away with no problem. I have given them my id, XXXX XXXX XXXXXXXX, proof of my XXXX, proof that all my money is legal and im not doing anything illegal and they still do not answer and keeping my money. I want my money back. They can keep their Terrible account I have opened other bank accounts. I just want my money back that was in my account. That was my entire savings n I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was notified that DISCOVER had frozen my account in order that it be verified. They requested 3 months of bank statements which I sent on XX/XX/2021. I called on XX/XX/XXXX and was told they had not received them from their portal. I resubmitted that day and saw on their website that the documents were received. Ive called every few days and keep being told it takes several days. It is now two WEEKS and Was told that since they did not receive documents by the deadline the account is CLOSED. After a long discussion I am told the representative will note that I am upset. There bas been NO EFFORT on the part of Discover to address this issue, and will not expedite. It will be handled in the order in which it was received - which means I am starting the process all over again! 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Email : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: IL

Complaint narrative:
I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the Equifax Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account is not accurate XXXX XXXX XXXX please send me a validation of debt and also they are violating FCRA law

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-27 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-05-27 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: VA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: SC

Complaint narrative:
I have request to receive documentation per my consumer rights under ( FCRA ) Fair Credit Reporting Act. copies of paperwork for this account, Mountain Run Solutions account # XXXX which is showing on all 3 credit bureau reports and reporting inaccurately. They will not verify the debt properly ask Ive requested 3 times via mail to request copies of debt, along with requesting all payments made to this account, date of payments posting, method of payments used and verification of those payments made, electronic check, credit or debit cards used. Signatures of contract and location this account and when it was moved from original creditor to this company collection agency. I have attached a preview of disputes through online service, I demand a request for proof of how the credit bureau was contacted, who was spoke to, what number was dialed out to the 3 bureaus, names of agents, ID numbers and the time of each call length, and method of how I was verified. This issue is to be resolved immediately if you feel this is an error, please provide to the everything I requested above, or remove this account immediately from all 3 bureaus. Also after me requesting for debt of validation by mail, they send these text messages listed, is not very secure or private, I have a problem with that situation at that. Also there again in the 2 message screenshots there is no break down or any information that I requested.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: IL

Complaint narrative:
I contacted Equifax on XX/XX/2021 asking them to delete inaccurate mailing addresses from my credit report and I did not receive a response from Equifax. On XX/XX/2021, I contacted Equifax again asking them to verify the accuracy of 2 bankruptcies that are on my credit report. Equifax did not respond to my letter. On XX/XX/2021 I sent a 3rd letter to Equifax asking them to Delete the unverified bankruptcies since it's been more than 30 days and still did not get a response from them. CFPB website says that if information can not be verified and if information is inaccurate it should be deleted from my credit reports but I don't see why Equifax do not respond to letters for months past. The Equifax credit report I got on XX/XX/2021 says the bankruptcy information comes from XXXX XXXX so I contacted XXXX XXXX and XXXX XXXX SENT ME A LETTER STATING THEY CAN NOT VERIFY THE BANKRUPTCIES AND THEY DELETED BOTH OF THEM FROM THEIR DATABASE BUT EQUIFAX IS NOT RESPONDING OR DELETING THE UNVERIFIED BANKRUPTCIES FROM MY CREDIT REPORT. According to FCRA Equifax should delete these 2 bankruptcies. Equifax is preventing me from being able to buy a house and costing me thousands of dollars in interest every year by continuing to report these bankruptcies that shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime Bank put a hold on my account it has been 54 days no one has got back to me or anything. They have requested information from me which I sent on XX/XX/2021. They froze my economic stimulus payment and my state tax which Im entitled to by law. I have left several emails and still nothing you are not allowed to talk to nobody from that department. I have 3 tickets in still nothing. I know because Im XXXX they are not trying to help me. If I were XXXX they would not have me waiting on my money for 54 days. The least I deserve is a response back. This company is XXXX and needs to be shut down.

Company response to consumer: Closed with explanation