vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because WELLS FARGO have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint because PORTFOLIO RC have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: ME

Complaint narrative:
Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon Experian 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' XXXX did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with Experian and XXXX, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and XXXX  reported. Since XXXX and Experian have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against Experian and XXXX and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this complaint.

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 2022-01-27 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: ME

Complaint narrative:
Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon XXXX 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' TransUnion did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with XXXX and TransUnion, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and SLANDEROUSLY reported. Since TransUnion and XXXX have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against XXXX and TransUnion and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this complaint.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was overdrawn in my Regions Bank account only {$6.00} and when I woke up I was overdrawn {$78.00} due to an overdraft charge of {$72.00}. Previously I have been overdrawn and was only charged {$36.00}. My complaint is that the fees change and dont make sense, I spoke with someone at the bank the last time and was told that an overdraft is applied to each transaction but the amounts still did not add up. I have also been charged {$100.00} in overdraft fees when I was overdrawn {$60.00}.

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 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/XXXX my car was repossessed. I called Ally 's financial to see what steps I needed to stop the repossession. I was told the total amount I had to pay and how my payment needed to be sent. I was told that when I sent it that I had to provide a reference number for them to send the release out. I called and provided the reference number. I was told that it had already been sent to auction on XX/XX/XXXX. They gave me until XX/XX/XXXX to pay it, why would you send to auction before the customers day that you provided they had to pay buy. I still was trying be understanding of the situation. I called the Auction that it was sent to only to be told they never received my vehicle. When I called Ally financial for the third time I was on hold for over an hour after being told that it would only be a few minuets only to be told that it can take up to 48 hours for a vehicle to show. I understand that, but the vehicle was picked up from the repossession lot and taken to the auction on XX/XX/XXXX which is a total of 5 days prior. It should have already made it to that destination that is only 4 hours away from the location it was picked up from. All day on the phone and i got no where. There seems to be dishonesty somewhere, and the customer service representatives should have a better understanding of what is going on instead of putting the customer on hold for an hour hoping they will hang up so they don't have to resolve customers issues. I have done my part and paid what was owed and still don't know where my car is. The whole experience could have went a lot smoother had they actually waited until the date I was given to pay the amount, Instead I have missed two days of work to go on a wild goose chase for i vehicle I just paid on and still don't have. I can not be the only one who has complained on Ally financial and the way they direct business. This should really be looked into.

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
About {$1500.00}. XXXX owes me they have. Blocked my contact nunber from calling them they have blocked my account and wont allow me get my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
on XX/XX/2022 : The caller of ( XXXX ) XXXX from XXXX XXXX XXXX initially had someone call my niece and spouse. When the call was to my husband, I took the call and called the above-mentioned number on my cell phone. 

The person that answered the call. I provided the reference case number that was initially provided to me from the first caller, I notified the Fraud company of said owed debt who told me after checking that I did not owe anything and appeared to be in good standing. 

She comforted me. But this is really harassment on all levels

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's started calling me XXXX XXXX a day in XX/XX/XXXX. I have no debt with Conn 's and asked that they mail me proof of what I owe and to communicate only through mail. They have continued to call twice every day in XXXX. 

I have received nothing in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/2021, paid XXXX to XXXX XXXX  for a rental car using Chime debit card. Car was damaged in auto accident on XX/XX/2021, vehicle was towed from the scene of the accident. After discharge from the Emergency Department on XX/XX/2021, I attempted to contact XXXX XXXX XXXX, XXXX for a replacement vehicle. I received no response,. After multiple att/empts to contact XXXX XXXX XXXXoncerning a replacement vehicle or a refund of the total amount that I had paid minus the 14 hours that I was in possession of the vehicle before it was rendered inoperable due to the accident, WITH NO RESPONSE FROM XXXX XXXX XXXX, XXXX then decided to move forward and file a dispute of the transaction with Chime Bank XXXX Attached to the dispute was a copy of the police report, which supported all of my declarations concerning this transaction. That I did not have possession of the vehicle due to the auto accident, that I WAS NOT at fault, that the vehicle was towed away from the scene of the accident, the date and time of the auto accident and I also submitted proof of the payment date and amount and the length of time that I had paid for the vehicle. Chime denied my dispute. I was then instructed to submit a rebuttal disputing the decision made by Chime. I did, and included significant proof including screenshots of attempted contact with the company, complaints from other consumers dealing with XXXX XXXX XXXX  found on the XXXX  website. This was completed on XX/XX/2021. It is almost 60 days that we have been dealing with this on-going dispute with no resolution. I have submitted a written request to speak with someone who can actually resolve this issue or make a decision, all to no avail. So, at this point, I have decided to submit this complaint as well as one to the FDIC. I just want my money back because I did not receive what I paid for and it is RIDICULOUS that Chime Bank is telling me that perhaps the hold up could be that the merchant is not cooperating. I am physically XXXX and I live on a fixed income. This is defrauding and deceiving a XXXX individual and a felony in my home state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is not properly reporting my credit cards to my report..I have a higher total credit card limit but they are not showing properly on my report causing me to have a higher usage percentage..They say I have a 4800 limit throughout all my cards and the limit is actually higher than that..And I see that they are not even listing one of my card accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2022 I visited XXXX XXXX casino and made several withdrawals from various atm machines. The last two transactions failed as the ATM was out of money. I called chime and advised them that the cash transactions failed. They immediately denied my claims they have also been harassing me from XXXX every since I directly messaged them I have received follow requests from chime back to back very harassing I am afraid that they may be stealing my identity and sabotaging my account. So much has occurred its difficult to explain! But here are my documents and screenshots of my interactions and original atm receipts. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2022, LexisNexis this is a responding complaint. Complaint number # XXXX. LexisNexis states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and LexisNexis obtained this address from XXXX, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request LexisNexis to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, XXXX AND XXXX. Therefore LexisNexis is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
After receiving purchase agreement, signed into better.com website under my profile and selected desired rate of 3.375 % with {$240.00} credit. Followed the instructions and downloaded purchase agreement. To my dismay, I'm being charged {$300.00} with the rate of 3.375 %. I'm getting the run around from the loan officer, XXXX XXXX. I signed into better, com website under my profile, selected the desired interest rate with {$240.00} credit and downloaded purchase agreement as required. I'm absolutely livid about this situation. This would of never happened with a live rep. These online banks need to be more regulated. I feel I was duped with a bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from TransUnion, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with Transunion, XXXX and 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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from XXXX, XXXX and Equifax. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, EQUIFAX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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