vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
I noticed a hard pull on my credit report showing on Equifax " only '' that was done on XX/XX/2021. It shows XXXX XXXX. This was not me applying for new credit. Ironically, I already have a card with XXXX XXXX XXXX and have more than enough available credit on that card. I spoke to XXXX XXXX XXXX XXXX ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to Equifax and was told they have not received information from XXXX XXXX card services. I also disputed this hard pull with Equifax which did not solve the problem. Equifax continues to state they haven't received the fraud info from XXXX XXXX and XXXX XXXX says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
Credit Bureau is unresponsive to my personal information dispute and update request. 

Credit Bureau unresponsive to other dispute request.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I HAVE PAID AN ACCOUNT IN FULL XX/XX/2021. I DISPUTED THE INFORMATION ON MY CREDIT REPORT A FEW WEEKS LATER AND THE CREDIT CARD COMPANY IS STILL SHOWING AS A COLLECTION ACCOUNT ON MY CREDIT REPORT AND STILL SHOWING THE ORIGINAL CREDIT CARD ACCOUNT. I NOW HAVE TWO RECORDS SHOWING ON SOME CREDIT REPORTS FOR ONE ACCOUNT THAT HAS BEEN PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
on XXXX I went to XXXX in XXXX, NJ with a mail offer for phones and services. I went through the start up process, for over an hour and when they tried using the promotion code- it wouldn't accept it. They tried calling the number on the notice and after another 40 minutes- was not getting any help. They said I would have to do this on my own time. 
We cancelled the entire request. ( I have the postvoid receipt ). This should have been the end of this transaction. However, on XX/XX/XXXX I tried to purchase a XXXX gift using my debit card with the last {$50.00} I had, to my name. It was declined. When I checked my bank account it was overdrawn - T-Mobile was pushing through an unauthorized auto-payment for the monthly service fee, for services I never received. I called the store, the manager remembered the transaction and he made sure the autopayment was cancelled so it didn't happen again. I spent another 2 hours on the XXXX " help '' line. A term I use loosely as I was disconnected 3 times and had to restart explaining each time. Finally I was told they see it was an error and that they issued a refund to my bank. It would take 10 business days! I called my bank, put in a fraud claim for the transaction and they also made me wait over 10 days to get my money returned and reverse the overdraft fees. XX/XX/XXXX I receive a " late payment '' notice from XXXX for the original balance and a {$20.00} returned item fee! XX/XX/XXXX I receive the monthly statement for the " charges '' due AND a collection notice from Convergent Outsourcing Inc. XX/XX/XXXX- I got back on the phone with the original store, the manager wasn't employed here any longer and the new one was rude and unhelpful. I called XXXX and they said the refund was already issued back in XXXX and that she has no idea why it recycled and was also sent to a bill collection agency. I have spent way too much time on something I really should not have had to think about after I left the store on XX/XX/XXXX. Over a month later they are sending me bills and collection notices and nobody seems to be able to remove me from the computer system to stop this XXXX. I am trying to rebuild my credit and this is NOT helping. Be aware of shady XXXX  and their offers via mailings or emails or anything for that matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Complaint against Chase Bank for refusing to open Banking accounts : Earlier today I learned from a J.P. Morgan Private Client Advisor, XXXX XXXX XXXX that Chase Bank can not open any banking accounts for me and I need to contact its compliance department at XXXX. Upon further inquiries, I was told by a XXXX agent in its overseas XXXX call center that the Chase Bank has maintained a secret file on me and she can not disclose what is the reason why I can not open any Chase bank deposit accounts, notwithstanding that I have been a Chase customer since early XXXX and I have many bank accounts opened since then and still have many credit cards accounts opened with XXXX since 1994 with excellent credit scores of more than XXXX! 

Based on the information I have so far, I have been illegally discriminated against by Chase Bank in regard to opening bank deposit accounts ( checking and savings ) and such kind of illegal practice must be stopped. Moreover, I demand that Chase Bank to provide me with a clear explanation what is the reason for its refusal to open any bank deposit accounts and what is the content of the secret file it has maintained on my profile at the Bank. 

In addition to the requested information and full disclosure from the Chase Bank, I am demanding {$1000.00} for the financial and emotional damages caused by the illegal and discriminatory banking practice done by the Chase Bank so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
upon checking my credit report i notice a debt collector trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
on XXXX the XXXX morning a representive from the office called me asking me about my rent. I told them I get paid on Thursday on the XXXX of XXXX ; thats when my lease up. I paid them then and I also ask the Secretary can shes ask XXXX XXXX the apartment manager to call me so I can ask about month to month payment because I didnt get the house because I had a old truck payment and since they close the office from COVID and she said she will. So the next morning the secretary call me back and said that I couldnt do month to month payment because I sign an agreement .I wrote that Ill be buying a house on this date and not signing my lease over and plus she already had a tenant moving in soon and they have to come in and clean the apartment. The next morning XXXX XXXX XXXX called said, that they will have someone to escort me and my XXXX daughter from the property along with my things if we are not out today. My daughter was XXXX at the time that we have to move out, now even tho my lease is up on the XXXX. well, I told her I didnt have anywhere else to go. She told me Im not obligated to stay there. I had to move out now. During that time I had to leave work early find some movers, get a XXXX, thank God for church members, family, make arrangements to turn my lights off, and find friends. I had to pay to get out soon and pay the movers. I was pregnant and had a XXXX daughter with me and loss of pay from my employer downsizing, I cleaned the apartment left nothing. When I was done loading up my truck the cop ; my neighbor said you're moving out. Im like no they are kicking me out after 3 years he told me they are not supposed to do that due to laws enacted for renters due to the pandemic and that I should not have taken my stuff out because they are not supposed to put anyone out during COVID. I was afraid my things would be put outdoors after the threat I received from the leasing office. They were horrible. I told him what was I supposed to do when my door be open every time I get home from work. He was in shock as I was -nobody has my key so who else come in there and unlock the door and leave it. So he told me that I can stay in his daughter 's room. And XXXX be at work all night so you will be safe here because he didnt want me to sleep on the floor. All that night I was calling last min family to see who house I can stay in. I thought the situation was over until I noticed a debt of {$2400.00} from The XXXX apartments. I was shocked to see the amount and what the charges are for. The charges that XXXX has listed in the collection with XXXX XXXX are inaccurate. The only fee I should have is {$300.00}. I was harassed in front of my daughter, mistreated then charged with bogus charges. I lived on this property for 3 years and I never negated my financial responsibility. I am struggling since COVID with my wages drastically reduced and I just want to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: AR

Complaint narrative:
Company is reporting aggravated identity theft. The company also hasn't paid my invoice sent to them for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for an XXXX  refi loan designed for veterans struggling to make mortgage payments. I was told by a rocket loan officer I was denied because I was thirty days late for my XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. I submitted a statement to verify the dates my pay meant were received. The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX, and The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX. 
Initially, the loan officer, stated I qualified and set the loan up for an appraisal and loan estimate Dated XX/XX/XXXX, and the first payment would be due, in XXXX, XXXX. 
My initial loan officer wasn't available from XX/XX/XXXX, to the present time. My XXXX  was at least XXXX in XXXX. It started dropping because Rocket Mortgage for some reason was holding up the process, so I started applying with other mortgage companies. 
The purpose of the XXXX program is to help a Veteran get back on their feet, I'm now in the desperate position I was before I applied because I was led to believe I had the refi loan. I have never been 30 days late on a payment at any time. 
ROCKET  JUST LOCKED ME OUT OF MY ONLINE ACCOUNT, I CAN'T DOWNLOAD ANY RELEVANT DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to transfer money out of my Venmo account to my bank account and was sent an email which stated my money would be available in my bank account the next day. Not even an hour later I received an additional email stating that I would not receive my XXXX that in fact they were freezing my account and I could not get MY OWN money. They said I violated some user agreement. Since Thursday the XXXX Ive been in contact with Venmo provided multiple ways of verifying my identity including my drivers license bank statements as well as my debit card information and yet they still refuse to give me access to my own money. They are holding my money XXXX. Ive repeatedly stated that I will never use Venmo again its horrible and disgusting and all I want is for my money to be transferred to my bank and then they can go ahead and deactivate my account. They are also refusing to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
There is a balance of {$1300.00} for a medical bill that I do not have. It has negatively affected my credit score. Since I work at a large pharmaceutical company I am extremely familiar on how billing works. I have never received a bill nor did I visit a hospital at the date listed on the collections account. This medical account was never shown on my insurance, and I have never been to the hospital in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MS

Complaint narrative:
XX/XX/2022 a fraudulent charge hit my account of {$2900.00}. Before this occurred I received an email stating someone had logged into my account password and changed my phone number number out of XXXX, Colorado.. I immediately called the bank and by the time I went through automation and spoke with someone the charge had hit my account.. Chime explained I would have to call back once the charge settled. I called back Friday to file dispute. Not even seven hours later they closed my dispute stating the transaction was not suspicious. I filed a police report here locally and in XXXX, Colorado Police Dept and spoke with store manager of XXXX XXXX where the transaction occured. Everyone except Chime financial is doing there part to help. I have worked so unbelievably hard for that money and when someone steals my bank information and makes a purchase in a state I've never been. Chime declines me and refuses to do their part. I was XXXX. police report was filed with both states LA XXXX CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2022-01-19 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 — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with CITI Bank Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another Associated XXXX XXXXXXXX XXXX and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the Citi card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the CITI Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the CITI Bank Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, CITI bank reported me to the credit agencies ( XXXX, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
upon checking my credit report i notice a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
On XX/XX/XXXX I sent Southwest Credit Systems a letter disputing a collection account that they claimed I owed {$170.00}. I asked them to send me proof bearing my signature that I had some legal obligation to pay them and they responded by sending me an invoice from XXXX. I didn't have an account with XXXX and I believe that the invoices that they sent are fraudulent. They responded on XX/XX/XXXX with the fake invoices. I again asked them to remove the collection account because they didn't mark the account disputed within the allocated 30 day time frame from signing for the first letter. This letter didn't show any proof bearing my signature that I had some legal obligation to pay them. I asked them to again validate the account and if they couldn't validate the account, they should remove it. They signed for this letter on XX/XX/XXXX and instead of sending me proof bearing my signature, they sent me an even bigger packed of falsified billing statements. They aren't adhering to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
I noticed one of my charges has a disposition of active warrant, however I do not have any active warrants, I am attempting to work for a delivery service and this is causing me to not be hired. When I submitted a complaint stating that my information was incorrect I was notified that any application there after would be on hold however I had another company send in for a background check the same background was given that contained inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I prequalified for a mortgage with rocket mortgage. Signed no contract. It counted as 2 credit inquiries and lowered my score. I only applied one time within two weeks. Ive been trying so hard to keep my score up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Was taken to collections for a XXXX credit card I never applied for, Amounts of XXXX from XXXX

Company response to consumer: Closed with explanation