vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: NJ

Complaint narrative:
On Monday XX/XX/2021 I got a charge from XXXX.XX/XX/XXXXXX/XX/2021 for XXXX on my Chime Account. 

I did not make this purchase This is Not a real website. 
I filed a claim with bank XX/XX/XXXX. 
They denied my claim XX/XX/XXXX. 
I appealed XX/XX/XXXX. 

Ive called multiple times since XX/XX/XXXX, it was escalated multiple times. Now its XX/XX/XXXX and I still havent heard anything. I called them and they said they sent a email on XX/XX/XXXX. I dont have this email, they wont tell me where it was sent. I also contacted XXXX and they said that site isnt affiliated with them. 

It was denied again XX/XX/XXXX as per representative. Once again I was not informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington aquired a bank that I used to bank with but had closed my accounts with them years prior to the aquisition. Hungtington opened two accounts in my name and when I called they refused to close them telling me I had to go into a branch to close the accounts. That is not an acceptable response for accounts they fraudently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received an automated phone call on Thursday XX/XX/XXXX from XXXX XXXX about a debt urging me to go to their website to pay the debt. When I visited the website and put in some information it was for a {$4800.00} debt from a payday loan company, Allied Cash Advance. I have never used this company and do not owe them anything. I filed a claim with the Federal Trade Commission at XXXX. Claim number XXXX. 
At XXXX XXXX, there was no way to talk to a real person via phone or chat. I called ( XXXX ) XXXX and was greeted by only an automated voice and not given a chance to talk to a real person, only referred to the website to pay off the debt. I also chatted on their website and they only referenced the website as the place to get information and pay off the debt. I also called the company that initially held the loan, Allied Cash Advance, and started a claim with them through their feedback team. Case number XXXX. 
The calls from XXXX Recovers only intensified and were followed by text messages after I accessed their website. Here is a transcript of a voicemail that they left : " Hi this is XXXX with XXXX  this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now the 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau 's all applicable accounts so again I urge you to take a seriously and take advantage of this offer our website address is XXXX I'm legally required to inform you this is in attempt to collect a debt thank you The number was ( XXXX ) XXXX. I received at least 5 calls in less than 18 hours. Some of the calls came from other cities and numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Target national bank has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a target store. I have filed complaints with the debt collector and with target and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for target bank is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. Target national bank or TD Bank does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
There is a pending lawsuit against me for a debt owed to a XXXX credit union. Bonneville purchased the debt from the XXXX XXXX  and filed a lawsuit to force me to pay. 

They have included Court and Attorney costs that I did not know I have to pay and forcing me to consider bankruptcy. 

XXXX XXXX XXXX had me sign paperwork without explaining to me verbally that I will pay for attorney fees if I default

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I received an email from my bank ( Bank of the west ) asking if a specific transaction was made by me or is fraud ok XX/XX/XXXX, I press " No, I do not recognize these transacions '' and I called the bank to lock the card and open a dispute. 
Since that day I didnt recive any notification or credit for those unauthorized transactions. By law the bank has 10 days to solve this but it didnt.

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 2022-02-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: TX

Complaint narrative:
I attempted to pay on the principal of my Reverse Mortgage Loan at XXXX. 
My payments were almost entirely applied to " interest ''. I telephoned them and asked for help. I was told to put " to principal '' on the memo line as well as on the payment form I was using. Payments of {$500.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021. After paying XXXX XXXX ( {$2000.00} ) over a XXXX months period ; I owned more than before making the payments. I had my attorney write to them without success. It does not seem like there is a way to get out of debt, if the payments are offset by interest each time. 

Attachments : Partial Pre-Payments form Annual statement for 2021 Checks written to " principal '' Request for explanation from my attorney

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 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridge IT, Inc.
State: IA

Complaint narrative:
I had submitted a complaint to this company on XX/XX/2022 asking them to stop texting and calling me after hours and to delete my account. They responded saying they are deleting my account and will NOT be contacting me further. Unfortunately, they did not adhere to the guidelines they stated. I have since received 7 emails ( XX/XX/XXXX, XXXX ) from the company. In these emails they state personal details from my bank account. Including exact amounts of money I have spent and what stores I have spent the money. I think it is a HUGE violation to be monitoring my spending when they have " deleted my account ''.

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I got 2 mails on XX/XX/2022 with a negative balance, each mail got 2 different bank account numbers, knowing that I didn't open an account, i reached out to the bank over the phone. I was transferred to the fraud department and that was closed. The following day being XXXX, I got a call from the same banking institution staying that an account ending in some numbers mentioned had a negative balance of {$100.00} and that I would need to make a payment. I notified them that again I have no accounts with them, the representative told me that it would need to be paid or it will hurt my credit. I explained that it wasn't me and that I had just closed 2 account in relations to the same issue. I then gent to the bank and the banker told me that the fraud department is looking into it. Before contacting the FTC I then spoke with the banking fraud department. And I as told the account is closed. But since whomever this is has my identity, I would like to take as much precautionary measures as possible to stop this from repeating itself or to someone else. 
I also go a call sometin ago from my then employer stating that someone had submitted an unemployment application even while I was employed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: DE

Complaint narrative:
XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS XXXX  YEAR STATUE ALONG WITH INACCURACIES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-11 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On Friday XX/XX/2022 at XXXX I attempted to contact PNC Bank regarding the payoff on my personal loan account ending in XXXX. The Balance on the account as of XX/XX/2022 is XXXX. When I called customer representative XXXX XXXX I asked her if the payoff was {$8200.00} and she replied no and I then asked her what the payoff was of today and she verified the same amount. I did ask her if any charges would go up while the payment was processing and she would not answer me directly other than stating that it could take XXXX to XXXX business days for processing. I am requesting that all interest be stopped on this account and be credited the added interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare llc is my mortgage holder, we had hurricane damage from XX/XX/20. After extensive repairs and completed inspections that have passed and shown our home is completed. They will not release funds. I have sent receipts of well over XXXX. They have XXXX of my money, they refuse to release even though there inspector certified my house is @ 100 %.

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 2022-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I moved out of mallard cove apartments in XXXX va in XXXX of 2019 due to a protective order and domestic XXXX. I was advised that I did not owe any money. I never received anything in the mail from the apartment complex nor collections. I recently pulled my credit report and saw a collection company, national credit systems showing {$810.00} due for mallard cove. I contacted them and they claimed it was for rent. However, I never received any notification from them nor mallard cove. I contacted mallard cove and was advised they did not have records from 2019 as they have new management. I contacted the old management company and was advised they sent all their records to the new company managing the property. When I contacted the property again, I was advised they show {$810.00} but my rent was actually {$820.00}. They stated a late fee of XXXX wouldve been attached and I should have a {$250.00} credit for my deposit towards the amount. However, the fees do not add up to {$810.00}. Nor do I have an itemized bill showing anything. There has been absolutely no contact from the collection company nor the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini wont let me add funds to my account until my account is verified. No timeline is given on how long verification will take and I had already sent them pictures of my I.D . a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
Disputed on several occasions with Experian regarding XXXX XXXX over the past 3 months with no outcome

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 2022-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
This is related to my XXXX  XXXX XXXX, that I purchased from XXXX XXXX in XXXX, SC. It is financed through TD Bank Auto Finance. I have fallen three payments behind and have the means to get a payment plan, to bring the account current. However, TDAF will not negotiate, instead they have 5 or 6 undercover cars following me every day since the third week of XXXX. On XX/XX/XXXX, they broke into my vehicle illegally, and stole my expensive XXXX cell phone -again, an illegal act. Now I got word over my computer that they have used the XXXX XXXX cell phone to access my work email. This work email contains highly sensitive info on clients with the South Carolina XXXX XXXX XXXX XXXX. All around, outrageous behavior. Not to mention driving their loud, ugly cars through the neighborhood all hours day and night. 
No phone right now ( TDAF repo goons have it ) so send email to : XXXX Signed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.

Company response to consumer: Closed with explanation