vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime is an online banking company. I have made multiple deposits over the last year without issue. On XX/XX/XXXX and XXXX, 2021, Chime made 3 unauthorized withdrawals from my checking account with XXXX XXXX XXXX totalling XXXX, and then suspended my account, so I am unable to access the money they have taken or the money I previously deposited totaling over {$4000.00}. I called and spoke with a manager to understand what happened and he refused to assist me unless I provide a picture of myself holding my driver 's license, a picture of the front and back of my driver 's license, proof of address, documentation verifying the transfers ( which I did not make ) and a written explanation of the origin and intended purpose of cash funds recently made such as my bank statement or check stub. They have given me 3 days to comply or they will cancel my account with all of my money. I feel like I'm being scammed and am not comfortable with providing any further information. I am contacting XXXX XXXX XXXX with regards to the unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft

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 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
My HIPPA rights have been violated and the actions that Paragon group has done is incorrect. I am not working due to Covid and this negative information being reported is hurting my credit score. I have never received a bill for the collections and the information reported is inaccurate. They are reporting that I owe them XXXX for TransUnion and XXXX for XXXX. My Hippa Rights have been violated and have provided the credit bureaus with inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TX

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX XXXX  account. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I, properly initiated a payment to my XXXX  XXXX XXXX credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX  XXXX XXXX credit card payment. 
XXXX  XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX  XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is owned by Wells Fargo. Affidavit paperwork was filled out sent to Wells Fargo and received by Wells Fargo via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to Wells Fargo, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
XXXX XXXX XXXX XXXX was the check deposit info on the back of the check Check # XXXX Deposit # 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 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I CONTACTED PAYPAL REGARDING TRANSACTIONS IN WHICH THE MERCHANDISE WAS NEVER RECEIVED under my user name : XXXX XXXX XXXX  XXXX {$50.00} XX/XX/XXXX Payment XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$350.00} XX/XX/XXXX Payment " Order Number : XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-12 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: CORELOGIC INC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, CREDCO  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-12 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: FL

Complaint narrative:
I got an alert on my credit report that I was added as an authorized user for a Citi bank Costco credit card with a limit of {$5500.00} that I DID NOT authorize. I reached out to the credit bureau to file a dispute. Credit bureau gave me the credit card number attached to my credit report to call Citibank Costco card. I reached out to them 5 times to get some answers of how this is showing on credit report as an authorized user. Nobody will has helped resolve this. All they say to me is " I can not provide any information to you because you are not the primary card holder. '' I have explained many times that this is a fraud accountant and I did not authorize it. I asked if they could freeze the acct so my credit is not being used, yet they said they can not do so and will provide any information about the accountant. I have called many times and each person has a different answer but none of them will help resolve how I connected to this. I need help shutting down this card and finding out how it is showing on my credit reports.

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 2021-01-12 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: CO

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
Additional {$500.00} payment was credited to future interest instead of reducing principal I tried to contact them to properly apply the payment, but : Their website provides a telephone number that always gives messages to try again later I sent a secure e-mail to the address on their website but received no response I sent a letter to the address on their website but received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I received an email from my credit monitoring service that a delinquency was reported by the mortgage company on my credit score. I called the mortgage company and the agent at that time told me that the payments were made and that she was going to put in a request to customer service to research why the payments were not applied to my account and that it would take approximately 3 days to correct the issue. 

Around or on XX/XX/XXXX, I was reviewing my bank transactions and saw that the XX/XX/XXXX mortgage payment was returned. I immediately called the mortgage company again. The agent on this conversation was able to see that my payments were in suspense because the escrow portion of the payment had increased by approximately {$90.00}. The agent noted that my new mailing address was incorrectly entered into the computer system and this was most likely why I never received notice that my payment was changing. I told the agent at this point that when we end the call I was going to send in {$2700.00} for the XX/XX/XXXX payment and to make up the shortages on the XXXX and XX/XX/XXXX payments. I also at this point asked to speak to a supervisor, the agent informed me that she would put in a request for a supervisor to call me which could take up to 48 hours. I never received a call. 

On or around XX/XX/XXXX, after not receiving a call back from a supervisor, I called the mortgage company again to ensure the issue was resolved. This agent said that the reason my account was not cleared up was because my XXXX, XXXX, and XX/XX/XXXX payments were returned by the mortgage company. While still on the line with the agent, I reviewed my bank records from XXXX through XXXX and the only payment that was returned was the XX/XX/XXXX payment. The have 2 payments of {$2300.00} that have not been applied which would clear up this issue. 

On or around XX/XX/XXXX, I called again to the mortgage company. The agent on this call said that she was going to see if she could get a supervisor to join the call so we could get this issues corrected. When she returned, she stated that her supervisor informed her they were already researching the issue and to reverse the delinquency reports on my credit and that I would received a call the following week since it was a holiday weekend. 

On or around XX/XX/XXXX after not receiving a call as promised from my XX/XX/XXXX conversation, I call in yet again. On this call I simply asked to speak to a supervisor and was told they would have to request a call back which could take up to 2 days. I never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
I have two Capital One Credit Cards. As a whole, the company has had numerous technical issues from online issues to the postal service that conculusively inhibit consumers from paying their bills on time, yet given proof to the bank regarding this, Capital One continues to tack on late fees. We are in the middle of a Pandemic. Our postal service is unreliable and all of us have been experiencing issues with online services. Given the circumstances, it's not appropriate, nor is it fair for Capital One to gouge the consumer with late fees. 

During the last billing cycle, I didn't receive a bill. On the day the bill was due, I called Capital One to pay the bill. I spoke with a representative who said that they were experiencing technical difficulties. I expressed my concerns involving getting a late fee as a result of an issue on their end. The representative told me that Capital One is aware of the issue and as such, I wouldn't receive a late fee. After speaking with a representative today to address the issue, I was informed that the initial call was overseas and that there wasn't a way for them to verify that information. I asked to bring the account up to current and to withdraw the late fee. They refused. The last late fee I had on this card was almost a year ago. 

Capital One Bank is backed by the FDIC. To that end, they have received federal money paid by small businesses such as mine. It's not fair that their issues are passed on to the consumer without proper recourse. Due to the numerous bank issues I've had online with my other Capital One credit card, I elected not to use the online service for this credit card. I am therefore asking your help in intervening to erradicate the late fee off of this account. Currently, there is just one late fee. They're unwillingness to help is what's most irritating. They admitted that they're currently are experiencing challenges from online to the postal service. By their admission, the pandemic has caused an interruption in service. As such, I am asking that the consumer is protected from any adverse affects and that Capital One cooperates in providing relief by releasing consumers of senseless late fees. If there's anything else I need to provide, please let me know. I appreciate your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has lowered my FICO score by 20 points to XXXX. I want to know why. I'm XXXX years old and have never missed a payment in my life. I have no debt. I've tried asking for my annual free report on line and after filling out and answering all their questions they say their unable to handle my request at this time and to call them. I call them and after answering all their questions they say I have to make my request on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. 

Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via Zelle. I did that through my bank, which has the option to send money using Zelle. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case and I am currently waiting to hear back on this case. I called him and texted but there is no answer. 

Zelle and Banks should protect clients from such scams/fraud by allowing revert of transactions that are declared fraud/scams. 

I have all the info available including the text discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I submitted a complaint on XXXX and they sent a letter that it would be fixed in 30 days and its still reporting as a late payment when they said it was removed per the letter they submitted.

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a Visa Debit card ( U.S. Bank ReliaCard ) from USBank for unemployment benefits. I am not on unemployment and received this card in error. It came attached to a Welcome letter and instructions on activating the card. I tried calling the number on the card and they basically say due to covid there is a delay in response. My thought is to cut the card up ; but, this needs to be reported so these mistakes don't keep happening and people do not use funds fraudulently. 
Thank you, 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 non-monetary relief
Consumer complaint received 2021-01-12 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: VA

Complaint narrative:
I am a XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to my knowledge I do not recall this account with XXXX XXXX XXXX. I need this problem fix asap. I did not receive a HIPPA release form from TransFinancial Companies also I did not receive any application with my written signature. There for this debt is not mind.

Company response to consumer: Closed with explanation