vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dept was paid off and I receive a letter stating that the item was removed off of my credit reports and it has NOT been.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I mailed a letter to Advanced Resolution Services ( ARS ) on XX/XX/2021 via certified mail and they received it on XX/XX/2021. I disputed the method they used to verify this alleged bankruptcy because they stated they verified this information with a third party agency called XXXX XXXX XXXX. They did not respond to my letter. 

Per the FCRA they have failed to legally verify this alleged bankruptcy. Section 609 of the FCRA states that you MUST verify with the original furnisher of this alleged bankruptcy. This information would need to be verified with The United States Bankruptcy XXXX XXXX XXXX of Florida. 

I received a letter from The United States Bankruptcy XXXX XXXX XXXX of Florida which sates they do NOT report any information to third party agencies such as XXXX or ARS.This alleged bankruptcy needs to be deleted from my consumer file as it is NOT verified. 

I reserve the right to sue ARS for violation of my consumer rights as specified under both the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: VA

Complaint narrative:
I purchased a vehicle from the XXXX, Virginia DriveTime location in XX/XX/2021. The issue was with the sales associate that I had worked with named XXXX. Whenever going through the process, at the start of the appointment I explained that my maximum down payment amount would be {$500.00} but I preferred lower. XXXX assured me all cars in the lot were able to be adjusted to meet my pricing needs on down payments and showed me a vehicle I was in love with. Whenever it got to the paperwork portion of the appointment, she explains she will debit my card for {$2000.00} without discussing with me first. I explained that I had a set limit and she insisted I still come up with the additional money to cover the down payment. Eventually I switched vehicles to another model that did fit my budget of {$500.00} but I was never offered the option to view something less than that on a down payment and when I asked to view those as well I was told no. I also purchased the warranty which was presented in a very predatory manner, the reason I purchased the warranty was because XXXX told me that a rental would be covered from the day that a mechanical issue happened until the day the repairs were completed. I asked if this meant that the rental was provided up front or if it would be reimbursed. She stated it would be upfront with no money out of my pocket. I agreed due to that because affording a rental car isn't a possibility living paycheck to paycheck and being able to make it to work every shift is important as well since I am the only one working in my household due to COVID-19. Whenever I did have a mechanical issue appear, I followed the steps to submit a claim and was informed that it was by reimbursement only and that there was also a limit on the amount eligible for reimbursement. Due to the lies I was told by DriveTimes representative I am now stuck without a rental car because I can't afford one and I am having to miss work due to no transportation options. The issue with the car was the CVT transmission that DriveTime last serviced was filled with the wrong transmission fluid which caused a mechanical failure of the transmission resulting in a full replacement being needed. I spoke with DriveTimes customer relations department who practically denied everything and said a coaching opportunity would be provided to the store I visited. I was not given any rectification regarding the situation that my family is now in due to their lying representative XXXX. I am now at risk of losing my job which will create a huge impact to me being housed and fed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IA

Complaint narrative:
XX/XX/XXXX credit karma I will spend account with them they put a freeze on my account in four hours previously that day I used my card and paid for something over {$100.00} therefore now my account is froze and nobody will give me an option you can not hold somebodys funds without telling them its illegal I need help to get my money this is where my paycheck goes like this where I pay my bills and I emailed called about 25 times no resolution to whats going on they can not tell me whats going on or why they froze my account without my knowledge or knowing its illegal and I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I entered into a mortgage with Wells Fargo in the amount of {$500000.00} ... sometime in XXXX I tried to attain a loan modification because I had a new job and I earned less than when I purchased the home ... Wells Fargo sent paperwork over for me to sign for the application process but then nothing ... I then get a call from Wells Fargo some time in XXXX advising me that they found an error and in order to correct it they are going to remove my PMI ... I asked what error? they said in the loan modification.. I then informed him that I never received financial relief because I continued to make my monthly payments because my payments were never lowered. In order to 'correct the matter ' they removed the PMI ... later in XXXX my loan was sold to XXXX XXXX for {$500000.00} ... then again in XXXX for {$500000.00} to XXXX  who I notified also of the loan modification I never received from Wells Fargo so XXXX  lowered my monthly payment from {$2500.00} to {$1900.00}. They then sold my mortgage to XXXX XXXX XXXX for {$310000.00} in XXXX. I am in the process of refinancing my mortgage with XXXX and while I am waiting for a closing date, the title company informed me that I have an outstanding loan with Wells Fargo for {$130000.00} that is due to mature in XXXX. I never received financial relief from Wells Fargo. In addition, why would Wells Fargo sell my mortgage for the full amount as if I never made payments from XXXX? I contacted them asked for copies of my payment history and I was told that when the mortgage was sold the payment history went along with it. I contacted all other lenders and none have the payment history with Wells Fargo only their own. The 2nd mortgage does not appear on my credit report but now all of a sudden I am getting emails from Wells Fargo about my statements being ready. When I went into the Wells Fargo portal there are only statements from XXXXpresent but when I try to open them I get an error message 'The document can not be opened because it is corrupted or damaged ' I have escalated the matter to DFS but they do not handle these cases when the bank home office is not based in XXXX. I have also escalated this matter to the corporate offices of Wells Fargo and have not heard a response. I need this matter resolved as quickly as possible. It is vital that I refinance my house and Wells Fargo does not seem to want to cooperate or provide answers they just send me copies of documents I signed. I would like to know if this is part of the scandal they are currently involved in.

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 2021-07-01 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: SC

Complaint narrative:
I have been disputing an account this is impacting my credit score because Equifax and XXXX are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both XXXX  and Equifax are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TX

Complaint narrative:
not mine : fcra violations : see attachments for proof XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
On the XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later i have not received a response stating the status of my investigation. I feel like i am being taking advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40days therefore they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. In addition, my information was also impacted by the equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have multiple credits going to my chime account. As well as my tax refund. The companies app had a glitch and there was a paynt of XXXXdollars and some cents that kept trying to send. Chime froze my account and failed to tell me what I did wrong and refused to refund the refunds that are going to that account. When asked what I did wrong they immediately closed the account. The customer service reps and manager were no help either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The Navy Federal App shows that I have open to buy. Yet, my statement shows nothing open to buy. Navy has no answer as to why there is a discrepancy. Considering more people are using apps instead of a desktop/laptop, one would expect consistency. Technically the app is showing me incorrect information. Also, because Navy didn't like my credit score when the card was due to be reissued ( score much higher now ), there was no new card reissued. I can't set up payment reminder alerts either so is Navy hoping that I'll forget a payment?? It appears that way. My spouse has had the same issue as I with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2021, I received a SETTLEMENT OFFER from ARS ( HRRG, LLC ) that included the option to settle a balance of {$1800.00} for a one-time payment of {$910.00}. I was not interested in paying it because I did not believe the debt was mine. IF it was a medical debt, Id always had insurance ; therefore, my insurance company shouldve been billed. Please provide the name and address of the original creditor. Also, this debt was reported to the credit bureaus and negatively affected my credit/credit score. Provide verification of this debt because I wholeheartedly dispute its validity.

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 2021-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have sent Equifax Letters regarding reporting " derogatory " on a paid account XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. They have not responded not corrected this. This is a violation of my FCRA rights. 
There are two accounts XXXX  and XXXX. attached are all documents showing proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I received a fraud alert via text from Chase Bank asking to verify if I was attempting to make a large ATM withdrawal. I immediately responded NO. They in turn immediately replied that my card was being cancelled and a new one would be sent. 

Over the next hour I saw {$5900.00} worth of charges appear on my mobile app. The charges were for cash from 2 seperate Chase banks and 2 separate XXXX, plus gas at a XXXX. I immediately went to the nearest Chase Bank and had a manager call the bank 's security office. I was informed the card in question was not cancelled, but in fact they inadvertently cancelled the new replacement card in error. It was only then that my card was actually cancelled. 

I filed a police report with the XXXX XXXX, Florida XXXX and submitted a claim. Chase refunded the {$30.00} gas purchase but denied one claim ( XXXX ) and are still looking into the other ( Chase ATMs ). 

I learned from the Chase ID Theft Department on XX/XX/2021 that someone pretending to be me called the bank on the phone on XX/XX/2021 and requested and was issued a replacement card with the same card number as mine. They did little to verify the authenticity of the caller. They did not send a security code to my cell for verification which is the normal practice for verifying a request such as this. Furthermore, when they mailed the card out I wasn't notified via email or text that a new card was requested and sent out which again is a standard security practice. 

The amount of cash withdrawn exceeded the cards daily threshold which the bank can not explain. There were three separate claims submitted, one for the 2 Chase ATMs, one for the 2 XXXX Stores, and one for XXXX. Chase reversed the charges on XXXX and refunded me the {$30.00}. That basically indicated that they are admitting fraud on the small purchase but are refusing to acknowledge fraud on the larger transactions which occurred at the same time with the same card, basically cherry picking what to approve based on dollar amount. 

This entire event would have been prevented if the bank would have cancelled the card when they said they did and if they would have followed standard security procedures before replacing my debit card without my knowledge or permission to a person unknown to me. The fraud and loss is the direct result of the bank 's negligence and lack of proper security procedures.

Company response to consumer: Closed with monetary relief