vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
On XX/XX/2021, I checked my banking app for my Chime online banking account. I was shocked to see an unauthorized withdrawal for {$980.00}. Further examination of recent transactions showed 2 more unauthorized withdrawals 2 days earlier one for {$500.00} and again one for {$980.00}, totaling {$2400.00}. I had never received a text alert from these transactions, as my account settings usually inform me of any withdrawal. Additionally there was no further information such as location connected to the transactions. 
I immediately called customer support who instructed me to put a block on all transactions while I was issued a new ATM card. As I was still engaged with Chime customer service, I received an email informing that a new ATM withdrawal was DECLINED for the amount of {$500.00}, exactly matching the earlier unauthorized withdrawal. However this time the email included the location of the attempt. The location was in New York XXXX at a XXXX Bank. I have never been to a XXXX Bank and have been caring for a family member with XXXX in NEW JERSEY. 
I was assured by Chime the matter would be resolved and not to worry. Upon further personal investigation, I came across several articles regarding a large scale ATM scam being run in XXXX and involving XXXX Bank leading to several arrests. 
As of this writing, Chime has declined to refund the money stolen from my account TWICE. During these tough times, the money stolen from my account makes up a significant portion of my savings and I do not have the funds to hire a lawyer or the time to spend on the phone with Chime or solving an ATM crime ring on my own to prove I was wronged. It is unclear how they came to those decisions and difficult to get an actual person to explain them to me given the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is further to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 because PayPal made an incomplete assessment and stated that I had not conformed to a time-frame of 180 days. This isn't entirely true, and PayPal needs to look into this complaint more thoroughly. In addition, PayPal completely ignored the problems PayPal causes by putting merchants in a list -- without the account-owner 's knowledge -- that enables the listed merchants to pull money from accounts automatically. _______________ An unauthorized charge was made on XX/XX/2021. 
_______________ I reported the charge to PayPal on XX/XX/2021. 
_______________ The unauthorized charge was made by XXXX. 
_______________ I had informed XXXX by text-chat on XX/XX/2021, that they were taking money out of my account without permission. 
_______________ XXXX promised in writing in that same text-chat 1 ) to make a partial refund of prior charges and 2 ) that they would never make any further charges. 
_______________ But they never made the refund. And they also took money out of my account again on XX/XX/2021. 
_______________ This I reported this to PayPal on XX/XX/2021. 
_______________ PayPal closed my first complaint here on CFPB on XX/XX/2021. They said I had not notified them of the problem within 180 days. 
_______________ But I notified them ON THE SAME DAY of the most recent problem. And also well within 180 days of XXXX 's written promised refunds. 
_______________ PayPal was wrong to motion to close my CFPB complaint. 
_______________ PayPal also needs to take responsibility for automating a setting in which merchants are given the ability to pull money out of accounts without the owner 's knowledge of that setting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
To whom this may concern, Rent Recovery Solution at XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX has been reporting a account of the amount of {$1600.00}. The collection has been reporting inaccurate information. I do not know this company. I have never done any business or had any type of partnership with them. This company does not whole any legitimate contract bearing my signature. Below I have tried to communicate with this company to handle this matter and been completely left in the dark. 



1.On XXXX/XXXX/XXXX, I spoke with a customer service member XXXX, After speaking with him he tried to fine me in the system but was unable to verify information per social security number and phone number. After doing some research he mention to me that he was unable to find me in their system. 

2. On XX/XX/XXXX, I mailed 1 of 2 certified letters # XXXX XXXX XXXX XXXX XXXX. The front desk/receptionist for Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 

3. On XX/XX/XXXX, I mailed out a second certified letter # XXXX XXXX XXXX XXXX XXXX, as a follow up from my previous letter. On XX/XX/XXXX the front desk/receptionist from Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 



I have also reached out to XXXX who happens to be the one reporting this account on multiple occasions to validate the alleged debt information on my Consumer report. This matter has continued to be neglected. I never received what was requested of them. Below I have been keeping close track of communication timeline : 1. On XX/XX/XXXX, I mailed certified out USPS # XXXX. The front desk/receptionist for XXXX who is reporting ( Rent Recovery Solutions, LLC ) received a letter of concern to validate the alleged debt that your company is stating I owe. 

2. I have tried to call XXXX multiple times regarding the debt since the validation letters that I have sent are not being replied too. Every time I have called I've been placed on hold, transferred to someone that can't assist me with the matter or hung up on. 

3. The same applies for USPS certified letters : - Tracking # XXXX - Tracking # XXXX - Letter sent on XX/XX/XXXX Under the terms of the Fair Credit Reporting Act ( FCRA ), companies and credit bureaus have to prove that you owe a debt to list the item on your credit report. Since this matter is months over due I demand that this account be removed from all Consumer Credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase I paid off my credit card on XX/XX/21. I then had a {$210.00}. Credit on my account. The next day they added {$130.00} fees + {$25.00} Fees. When I called I was told it was from XXXX XXXX and XXXX fees they are putting on my account. They lied and said they tried to reverse it but can't .before I even asked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Complaint # 1 Firstpoint Collections and Resources - Received collection letter XX/XX/2020 from XXXX XXXX, that I owed an outstanding debt of {$50.00} to XXXX XXXX XXXX XXXX. 
Responded in late XX/XX/2020, that I never received a bill, a statement, a notice, or a phone call about a {$50.00} outstanding debt or any outstanding debt with the original creditor. I also checked the " XXXX '' app where outstanding balances in the XXXX XXXX XXXX appear and found NO outstanding {$50.00} balance for XXXX XXXX XXXX 
I responded to Fastpoint requesting validation of the debt and received a response on XX/XX/2020, from XXXX XXXX, Director of Operations with a statement that Firstpoint had " contacted our client and verified that you are the responsible party ''. I have yet to receive a copy of a bill, a statement, a notice, or a telephone call from the original creditor showing me a validated claim. I only received an enclosure from XXXX XXXX XXXX XXXX which was a printout of a report showing {$50.00} was written off on XX/XX/2020, not a bill, statement, or notice. I wrote to XXXX XXXX on XX/XX/2020, requesting validation but never received a response. I have had regular annual appointments for 5 years with this provider and have always paid at the

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: AES/PHEAA
State: NJ

Complaint narrative:
I recently noticed on all three of my consumer reports that Fedloan Servicing is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from Fedloan stating the loan listed was transferred. Fedloan Servicing violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a dispute with Bank of America for a charge made to a contractor who did not do the job well. The plumber came to fix the toilet and the same component broke after a few days. We tried contacting the plumber but he never showed up. So, I disputed the charge with BofA. The plumber responds to BofA that he was willing to come and repair the toilet. So, we got in touch with him again. He refused to show up and said that I had already received my money back. Not sure what he meant by that, but probably thinking that BofA had credited the funds, which they hadn't. I sent the text exchange with the plumber as evidence to BofA that he did not do the job right the first time and failed to come and fix it. 

However, BofA closed the dispute case without resolving it. I called BofA and asked them to re-open. They said that they would not. I had to provide a 2nd opinion letter and I had to either fax it or go to a local branch to send it. So, a national bank like BofA provides no messaging capability for customers to connect or upload electronic documents. Very convenient. They do not bother researching dispute cases and even after providing clear evidence they did not bother doing anything about 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 2021-09-16 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: PA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX XXXX-Loan # : XXXX Lender : SPS Rep name : XXXX XXXX ID : XXXX Dept. : Customer Service Email : XXXX FAX : XXXX As for XX/XX/XXXX the SPS has stop offering COVID forbearance at which point in time they started to begin the process of the foreclosure. 
I have asked for assistance due to the the medical issues and the loss of spouse and family members due to XXXX. my intent is to keep the home and have my mortgage company offer the assistance that they had promised me. Further more I have sent in the required documents to have my loan considered for the mortgage assistance programs offered under the CARES-ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

Equifax supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

Equifax XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
To whom this should concerned Ive been in contact with Equifax for a little of a year now with no resolve of them correcting incorrect information that are reporting on my credit report. Theres short response is always the same this information is accurate and has been verify by their company. Seeing that we are aware that this is just automated response I completely understand why they keep sending the same response. Thats not my issue my issue is that this information does not belong to me should not be on my report. Now it is Equifax duty legally to help me with my own investigation by providing the information and the actually people involved in verifying this incorrect information which they continue to ignore my request. 
Equifax is in violation of so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A- congressional findings and statements of purpose, & 15 U.S. Code section 1681B-Permissible purpose of consumer reports & 15 U.S. Code section 168E. I respectfully request to be providing proof of this alleged items, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please. 

My credit is very important to me. If your agency continues to list these inaccurate items on my credit report. I will find necessary to sue you for actual damages and declaratory relief under the FAIR CREDIT REPORTING ACT & FDCPA. 

The accounts involved in this matter are listed as followed : DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX Im at this point begging for this matter to be handle sooner than later I've been deny housing and job opprotunites because this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Southern Auto Finance Co
State: FL

Complaint narrative:
They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened my account XX/XX/2021, Ive never been overdrawn and I always contact customer service when I need to. I received XXXX in direct deposit and around XX/XX/XXXX I was calling everyday for My card getting declined at the store even tho my pin was used. I received another XXXX in direct Deposit and I went to atm and couldnt get money out. I contacted live chat they said to call fraud department I called The number they gave me I verified my identity and they said they couldnt do anything about it that the specialist team would reach out. My account has been frozen no debit status since XX/XX/2021 Ive contacted live support and called fraud department every day since then, all they keep saying is my account is under review and wait 24 hours and contact them 24 hours later and still nothing. Ive filed 3 complaints with the live support customer service and I still havent been updated on my account status And my account is still frozen. Ive only had this bank a few months and Ive had so many problems. Ive even faxed over my verification of funds and verification of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was contacted by a Rocket mortgage company to just get some general information about what might be needed if I decided to try and get a home. I was not looking to apply or look into my credit just wanting information. The gentleman never asked me if I was ok to run my credit and placed me on hold letting me know he was going to run some figures to give me some information and he ended up running my credit score which I never authorized.

Company response to consumer: Closed with explanation