vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I received a telephone call from XXXX purporting to be with XXXX XXXX XXXX. The representative stated that " Check N Go '' is attempting to collect {$1000.00} from me. In XX/XX/XXXX I was discharged from US Bankruptcy Court and Check N Go was listed in this granted discharge. Check N Go continues their business practices of harassments by having different collection agencies continually contact me.

I should be the one filing suit against Check N Go because this debt was legally discharged over eight ( 8 ) years ago but yet they continue the harassments activity. 

XXXX XXXX, Attorney at Law represented me in this Bankruptcy and advises me to contact you because Check N Go 's business practices described are against the law. 

I am old and disabled and these scammers try to steal from me. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: LA

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
In XXXX of this year, there were unauthorized transactions on my prepaid debit card of amounts of approximately {$180.00}. I reported this fraud to the card company, the FTC and the CFPB. The card company eventually acknowledged the fraud on my account and credited my account with the amounts stolen from me. However, the card company cancelled my existing card and has yet to provide me a replacement card to access my cash, XXXX months later. I spoke repeatedly to their customer service and they refuse to provide me with a new prepaid card to access my cash. They have my mailing address and still create roadblocks from me having access to the money stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Two credit cards were taken out under my name totaling XXXX dollars. One is from Home Depot/CBNA and the other with Best Buy/CBNA. These were opened in XXXX, FL. I do not know the person who opened them and never authorized this transaction. The thief also stole XXXX dollars from my XXXX XXXX XXXX checking account by using an intercepted debit card stolen from my mail. These transactions were also in XXXX, FL. Upon completing an investigation, XXXX XXXX XXXX has credited my account for these transactions.

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 2021-08-05 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: LA

Complaint narrative:
My card was stolen by someone and used for multiple charges on my account. Multiple charges were processed and allowed to go through. I did not know about them right away because I did not have my phone as it was lost. When I finally received my new phone I saw charges were made on a site called XXXX. I contacted this merchant and they confirmed that the incorrect debit and credit card details regarding the billing and shipping address were made however chime still approved the purchase to go through. Even though this is 100 percent proof of fraud. If someone gets your bank card and puts the name on the card and the card number thats not enough for the charge to go through. They must also have the correct billing and shipping address. However they did not. Somehow chime bank approved this purchase and many others even though I reported them as unauthorized. They denied my claim saying they found NO ERRORS. Which is 100 percent FALSE. The merchant XXXX confirmed with me that the billing address and shipping address used to make the purchase was in fact the wrong address. This is a ERROR. So it seems Chime bank is just denying claims without even properly investigating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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:
I have disputed erroneous accounts present with Equifax, XXXX, and XXXX  for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2021, I went into my local chase to apply for the in-branch offer ( XXXX pt + {$50.00} grocery credit + 1st year annual fee waived ). However, there were some issues on Chase 's end and the card would not appear in my profile. My local agent called customer service and they said they were experiencing a system glitch. During the call, the agent told me to apply on my phone right in the branch and if I get the card, they would honor the annual fee waiver since their system wasn't working on their end. I did not get approved immediately, but I did get approval 3 days later. When I got the official approval, I called customer service myself to confirm that they would honor the annual fee waiver. The agent confirmed yes after a long hold. A month later, I got charged the annual fee, and the issue got escalated by both my local agent and the branch manager. My physical in branch visit was noted in their system and they can clearly see when I submitted the app. I want Chase to honor their agreement and waive my annual fee of {$95.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Two credit cards were taken out under my name totaling XXXX dollars. One is from XXXX XXXX and the other with XXXX XXXX/XXXX. These were opened in XXXX, FL. I do not know the person who opened them and never authorized this transaction. The thief also stole XXXX dollars from my XXXX XXXX  XXXX checking account by using an intercepted debit card stolen from my mail. These transactions were also in XXXX, FL. Upon completing an investigation, XXXX  XXXX XXXX has credited my account for these transactions.

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 2021-08-05 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2021 Mr. XXXX XXXX XXXX Was Sent a written letter that was delivered AFTER The ACCOUNT ENDING # XXXX was CLOSED AT THE BANK ON XXXX XXXX IN XXXX, SC This ridiculous activity that continues to occur AFTER the ACCOUNT # XXXX Is CLOSED IS LEGAL INDEMNITY AGAINST JP MORGON CHASE BANK, NA AND MUST BE INVESTIGATED WITH UPMOST IMMPUNITY! 

THE CHASE BANK IS REQUIRED TO CONDUCT AN FBI INVESTIGATION AS OF XX/XX/2021 and Notify Mr. XXXX BY MAIL CONCERNING THE CHARACTER ASSASINATION THAT HAS OCCURRED MULTIPLE OCCURANCES ON THE VISA CREDIT ACCOUNT ALL CARDS ARE SHREDDED AND CLOSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/XXXX I was in the process of getting ready to apply for a small business loan and needed to check all of my credit reports before proceeding. This is when I observed the fraudulent information on my credit reports. This fraudulent information has caused me hardship and prevented me from moving forward with my much needed business loan. I have resided in the Georgia area since XXXX and have absolutely no association with whom ever opened this account up under my name in the state of Texas. I have attached a police report with detailed information obtained on this matter. I am absolutely appalled at how the original company ( XXXX XXXX/XXXX XXXX ) whom this fraudulent account originated from allowed someone to call in, provide them with my name and SSN number over the phone and they opened up an account for this individual ; I was informed by a representative at the company, that is all that is required for them to approve an account. No one did any verification and now I am the one suffering. After the individual did not pay their bill, XXXX XXXX reported this to a company called XXXX XXXX XXXX, who then sold the account to a company called Transworld System Incorporation which is the company that appeared on my credit reports. Please help me in having this fraudulent information removed from my credit reports immediately so that I can proceed with my business loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
This account is not mine and not related to me. I am victim of identity theft and I do not want to be any longer in a position where I have all these issues in my report. Please remove this 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 explanation
Consumer complaint received 2021-08-05 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:
This account is not mine and not related to me. I am victim of identity theft and I do not want to be any longer in a position where I have all these issues in my report. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: NE

Complaint narrative:
XXXX Received notification through XXXX  that a delinquent account had been added to my credit report. Call the debt collector, Kansas Counselors @ XXXX CST. Was informed that I owed a debt from XXXX to XXXX  XXXX XXXX. Called XXXX  XXXX XXXX @ XXXX CST. Informed that there was a debt from XXXX of XXXX in the amount of approx. {$180.00}. Claimed they sent a bill for these services in XXXX. I have no recollection of this bill ever coming. I requested XXXX  XXXX XXXX forward me a copy of the original invoice. Provided them my email address. They never sent me the bill. One, I question the validity of the bill AND two I question the practices of a company who would wait 3 years and with NO notice sell a debt to a third party collector. What am I supposed to do in this situation to protect myself? My credit?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXX XXXX XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXX XXXX XXXX stating my account has been paid on time and in good standing.

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 2021-08-05 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:
I have disputed erroneous accounts present with XXXX, XXXX, and TransUnion for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.

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 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP
State: WA

Complaint narrative:
In XX/XX/2021 I applied for a personal line of credit when I applied for a checking account with Key Bank in XXXX Washington. In early XX/XX/2021 I was qualified and accepted an offer for a line of credit for {$5000.00}. I was not told that I would have to go online to their online platform and accept the offer because in my mind, I accepted the offer with no warning that I would have to accept it again a 2nd time. 

I went to the bank when I realized that I no longer had access to this account and was hold my a bank rep that they would get their " back office '' to investigate and would call me Monday XX/XX/2021 with an update. I never received a call. 

Today XX/XX/XXXX I went back in to the same branch and spoke with a personal banker XXXX XXXX to called the back office and told me I would have to reapply where my credit score would be hit now a 2nd time for an offer and acceptance of a line of credit that I already qualified for an accepted. This was not acceptable and I feel they should able to reactive something I already had that they closed with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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:
I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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:
I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: DE

Complaint narrative:
XX/XX/XXXX at about XXXX, I had a scary charge that went on my Debit Card from the NetSpend All access Account where I have direct deposit from my employer for the last four or five years approximately.To my fear, I had discovered a charge that was and still is listed for sure as XXXXThis charge was made at the XXXXXXXX XXXX XXXXXXXX.I did attempt to see if there was a ghost account at the company but it did say no purchases were made by myself with my card.I would hypothesize that my card was used there by a members account.This charge had brought my account into the negative and consequently a overdraft charge was charged in addition.I was able to block the card after the ghost charge fortunately but I am uncertain how to officially make a dispute of the transaction after I called NetSpend and was trying to explain my dilemma at this time.I would greatly appreciate any little help I could receive from the Federal Government 's Agency.I, as well as many others definitely appreciate the service if feasible.Thank you XXXX XXXX XXXX Net Spend All Access Card Member

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account at the following bank which is Citibank in where I have my savings, I only deposit money. I really dont use that account for any personal spendings mainly only for my savings. For security purposes I actually decided to lock my card since I really dont use that account. I put all my trust in citibank for my lifetime savings. On XXXX XXXX I decided that I was going to make a purchase for that account however as I went on over to look at my account and started scrolling I saw something unusual which were several checks being charged in my account I never have ordered checks for this account or even have authorized anyone to do so. I immediately called Citibank they filed a claim and required me to go to the nearest Citibank to follow steps they require to complete the claim, however I recently received a letter stating that my fraud claim was denied and their decision was based on the time interval between you first being notified of the transactions in question and the date you informed Citibank about the transactions exceeded thirty days.

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 2021-08-05 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: OK

Complaint narrative:
This reporting agency, Experian is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was notnotified. As the original creditor, onlyI can validate this debt. I do not validate this debt. Therefore, the following account must be deletedfrom my report.Failure to respond satisfactorily with deletion of the above referenced account and a freecopy of my report after the changes has been made will result in the above actions being taken against your company, i will also be seeking {$1000.00} per violation for:1. Defamation2. Negligent Enablement of Identity Fraud3. Violation of 15 USC 1692g

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