vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: LA

Complaint narrative:
I have filed a complaint previously with you about XXXX. XXXX reported to XXXX and XXXX  the accounts were last payment XX/XX/2014. Equifax and XXXX are refusing to remove the accounts like XXXX and Equifax. XXXX will not talk to me at all saying they can not help me due to them no longer having my account. And when I requested them to reinvesitagate XXXX my credit score has dropped drastically and XXXX has put comments on all accounts making it impossible to get my credit score back up. I do not find it fair I should have my credit score drop because I am asking for them to fix it. And also Equifax is the only credit Bureau who messed with my XXXX school account and that in addition dropped my credit score. I called and talked to XXXX and they said they have not sent anything in regards to late payments being changed and Equifax is claiming they did and that is why my credit score has plummeted. Can you please make Equifax fix what they have messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I have recently received my credit report and I've noticed accounts that I have never applied nor had communication with, Its hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, XXXX, or Experian have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Porfolio Recovery has repeated called me before XXXX and a few times after XXXX. Told them a few times to stop calling me but they continue to violate 15 US Code 1692d ( 5 ) ( 6 ). The debt collector will call and give out my personal information when I have no even identified myself nor will they identify themselves before divulging said information. Portfolio Recovery has also never validated the alleged debt per 15 US Code 1692g despite harassing me multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card experienced unauthorized charges in the early morning of XX/XX/21, two series of transactions for {$2300.00} at various ATMs and {$7200.00} at multiple XXXX XXXX and XXXX convenience stores. I called to immediately report these charges to my bank, Chase, as soon as I noticed them that morning and told them the circumstances surrounding the charges and suspected theft of my debit card. I asked Chase if I needed to file a police report to move forward with this fraud claim and I was told I did not. I then proceeded to file the fraud claim with Chase the following Monday XX/XX/21 when their claims offices were available. I just found out today that my fraud claim for {$2300.00} was denied based on not having a police report and because the stolen debit card was returned to my room later in the morning of XX/XX/21, even though it has now been multiple days since the incident and I am not in the same city, XXXX XXXX, where this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/21, I opened an account -- a " spending '' account with Chime. This is not an ordinary checking or savings account, and as I understand, not FDIC insured. 

I reside in Colorado but am receiving unemployment from NY. I set up my unemployment to go to Chime ( they were offering a bonus for this ). 

The funds were deposited by NY XXXX XXXX XXXX on XX/XX/21. On XX/XX/21, I got an email from Chime saying that my account was suspended snd I was locked out of it for suspicious activity. 

I was asked to send my photo ID, which I immediately did. I called, and they were unable to assist me by phone, but w me that I would hear frim them by email. 

They response ( not acknowledging the ID I had already sent ) again notifying me that my account was suspended, and asked me to send three things -- 1. A photo of my Driver 's license with me holding it. 

2. Proof of my address ( I sent a utility bill ). 

3. My 1099 with my current address from NY XXXX XXXX XXXX. 

I sent all of these documents -- TWICE -- on two consecutive days ( most recently yesterday XX/XX/21 ). 

Today I got a notice that my account had been permanently suspended and will be closed. 

What concerns me is that they also said it is " non-refundable ''. I am very concerned that they have funds of mine which I can not access, and I have not been able to gain assurance that they will be sending me a check for the money that is in my account. 

There are multiple accounts of this abhorrent behavior with Chime, and this is why I am reporting them. What they are doing is just reprehensible. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion & XXXX  credit reporting has failed to respond to my dispute letter for CMRE which were sent certified mail and signed for.

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 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: NM

Complaint narrative:
Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered all charges. 

Multiple letters have been sent by my parents, XX/XX/XXXX, being the date of the last letter sent. My mother has called twice and been hung up on. I have called 3 times and was sent straight to voicemail. 

I want to emphasize that this was 6 years ago and we were completely blindsided by this debt collector. We never received any bill from them. They instead, send us directly to collections 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was four days late with my payment. Navient contacted me. I told them I would pay at the end of the month-still within 24 days of due date. I told the rep to stop calling and I would take care of it. The calls continue. Five times a day at my home number and my cell number XXXX. I emailed and they responded that they would note my account, and the calls would stop. Instead I am getting more calls at both my home and cell phone numbers. I have paid them over {$85000.00} over the past 30 years and they intend to get another {$75000.00} over the next twelve years even though the original loans from the XXXX equal less than {$35000.00}. I told them they may legally have me enslaved to pay them over {$150000.00} for a {$35000.00} loan ( the actual money I had and used ) due to compound interest and rewriting my original loans into a consolidation, but I have a right to not be harassed. I want them to stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX I pulled my credit report from Experian and noticed an account listed as " Joint Account '' for XXXX XXXX. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with XXXX XXXX. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to Experian asking them to investigate this account because I am sure I never opened the account. Received the Experian response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I received a letter dated XX/XX/2021 that was sent to my address that someone tried to request to open a Pay Pal Credit account on XX/XX/2021 under my name XXXX XXXX. The Reference # XXXX. Although it was not approved because of verification in identity. Synchrony Bank issues credit for Pay Pal Credit and there is a data breach because I receive emails sometimes that says I have available credit with Pay Pal and does not know what Pay Pal is talking about. I never applied for a Pay Pal Credit account and appears to be a data breach with 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 2021-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XXXX XXXX, opened checking and saving accounts at Citibank, deposited {$1000.00} to checking account, {$50000.00} to saving account. 

On XX/XX/XXXX XXXX, found my all money was withdrawn by someone without my permission on XXXX XXXX. 

Called the bank many times, nobody told me what was happened and where is my money, they always told me they would check and then hang up my phone. 

One month was passed after my money was gone, Citibank didn't call me, email me or letter me. I called, but they can not give me the answer.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I sent 2 separate letters on XX/XX/2021 and XX/XX/2021 to MRS BPO LLC to validate an account that they alleged that I owe. There was no response. As a consumer I have the right to request verification/validation of account and this company is violating my rights This company is reporting a XXXX XXXX account that is not valid. Theres a lot of information that is reporting inaccurately on all 3 credit bureaus. This is a violation under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TN

Complaint narrative:
Equifax is allowing fraudulent inquiries to stay on my credit report. I have informed them about this several times and I sent them my FTC claim through BOTH mail and fax SEVERAL times. Last time I spoke to them they said that they see my letter which was sent with my FTC claim, but not my FTC claim. This can only mean that they are misplacing my private documents which is UNACCEPTABLE. First, I did not give them authorization to have ANY of my alleged personal information in the first place, but they are also misplacing my documents that I have to send them because they are reporting FRAUDULENT things on my credit this is ridiculous. Please rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Venmo closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo i even submitted the correct documentation to get my account resolved quite frequently. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have asked for method of verification from this company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX came back verified and XX/XX/XXXX I have not received a response back. In alignment with FCRA 609- Disclosure to consumers ( which they failed to do so ), FCRA 610-Condition and form of disclosure ( in which the proper identification was given ), FCRA 607- Compliance and Procedures accuracy of report ( they were shown proof that all three bureaus didnt have the same information ), and FCRA 611-Procedure in case of disputed accuracy which gives me the right to ask of reinvestigation of disputed info in which they never verified in the first place. This company have fail to follow FCRA guidelines which is in place to protect the consumers. I demand this this account be taken off expeditiously. Their inaccurate reporting has caused me not to obtain credit which has caused financial stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld system inc Collection opened XX/XX/XXXX {$330.00} Was flagged as in collections twice in one week. Called XX/XX/XXXX to get information as to what and from where this collection was from. They stated was from XX/XX/XXXX. Faxed in proof XX/XX/XXXX that i did not live at address listed at the time. Called to confirm paperwork was received XX/XX/XXXX and they stated they had received and was under dispute. XX/XX/XXXX flagged as in collections the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
us dept education. 
transunion shows Negative an positive and its confusing

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me and my business a great deal as I used PayPal quite frequently. I thought PayPal was supposed to be helping small businesses during the pandemic but they are making it hard for my small business. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
I had a loan with state farm bank I had to volunteer give up the car because a mechanic messed up my car with repairs and I spent over {$2000.00} to repair more problems continued and I saw no sense of making payments on a car that isn't working. I voluntarily gave up my car. In 2019 state farm bank call me everyday harassing me and I had to tell them to stop calling me everyday harassing me before I sue them for harassment and they continued to harassing me by sending notices about the loan. On my credit report, they put charge off notices for a whole year. Last year year they closed my account. XXXX of this year, they sold my information to a debt collector after state farm bank closed my account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX. Opened account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX XXXX

Company response to consumer: Closed with explanation