vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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: IL

Complaint narrative:
On XX/XX/XXXX, my XXXX account was compromised and was used to send money to a person in the XXXX XXXX that I do not know. {$240.00} was taken from my Chime Checking account by this person and was an unauthorized transaction. I contacted Chime and XXXX support immediately after this happened. Several attempts at transactions from this person were made for dollar amounts I did not have and my guess is they kept lowering the number until it reached what I had in my account. The transaction with the unauthorized person was done pending and was settled in my Chime account on the XXXX. I sent a report to XXXX and Chime regarding this unauthorized purchase. XXXX stepped aside in the situation to let Chime investigate. As of XX/XX/XXXX, Chime has ruled against me and is not getting me my money back even though it was absolutely not a transaction I authorized. I then filed to appeal the investigation but almost immediately told me the case was settled. I am shocked and appalled that my bank would choose to side with a criminal over a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I started in 2019 investing in bitcoin, also investing in stock on cash app, i also use cash app to direct deposit funds into it. i have my stimulus and school refund checks direct deposited into cash app and cash app has been mishandling my account. they also have offered no protection to my account or my money/ investments, the other day they allowed someone to scam me and lock me out of my cash app and take over my cash app my bitcoins, my stocks and over {$500.00} worth of cash they refuse to respond to me or fix this, they even refused to look into this please help me i believe this is an inside job i need help please my cash app account name/ cash tag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2020 I went into a XXXX store and made a cash deposit of {$500.00} on my PayPal Debit Card. A few days later I notice the transaction did not appear in my account and I then made several attempts to contact PayPal and have not been successful or heard anything back as of yet. My PayPal XXXX ID : XXXX. My account is under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am unable to access my Marcus by Goldman Sachs account via computer. A message saying " We're having some technical issues ''. This causes me to not be able to view my account information ( routing number, account number, interest earnings ) as well as make transfers to external accounts. The exact same message displays on the Marcus mobile app and prevents me from being able to transfer my money to external accounts. The thousands of dollars I have in these accounts with Marcus seem to be held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: DISCOVER BANK
State: FL

Complaint narrative:
I contacted Discover Card IT recently when I found out who I believe was a previous roommate who got into my office and opened up a Discover Credit Account under my name and even added my son to the account ( who doesnt live with me to cause confusion ) she also ordered items under my name and so on. Discover card statement zero fraud liability. I have contacted Discover regarding this and spoke with a gentleman regarding this in the Fraudulent Department who also sent me correct information stating that I am not responsible for the account since I never opened it up. They advised me that They closed the account prior to me disputing the account in its entirety because they believe that the account wasnt opened up by me. I received a call regarding the matter from Discover collection states my account is in collections. I am currently being proactive regarding this matter because a reliable coworker had the same problem with Discover and they advised her that she would not be responsible only to find out that another person got there hands on the fraudulent account only to override the previous discussion and corespondents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
My mortgage was taken over by PNC Bank in XXXX, Ohio. Apparently my taxes went up a bit and the monthly amount was increased. Because they had an incomplete address ( I disputed that I could ever have let that happen as they only use XXXXhe street address of a condo complex, not my condo number ), I didn't get the notification until a bunch of mail from the bank was bundled together. In that bundle it stated I had not made the XXXX payment, and I owed that plus XXXX at the increased rate, plus a late fee. I had paid XXXX, but the amount was {$68.00} short of the total because I had not gotten the notification of the increase. 

I called customer service and was told that if I paid the difference and the full amount for XXXX before XX/XX/XXXX, they would take off the late charge. I paid the 2 amounts through my bank online while still on the phone with customer service. It was received XX/XX/XXXX. PNC Bank corrected the mailing address and I was told they could not correct the note without a letter from the post office. ( The postmaster at my post office said there is no such thing. ) I paid the XX/XX/XXXX bill with the corrected amount and it was received on XX/XX/XXXX ; I always have the mortgage paid before it is due, but they keep passing along the late fee. 

I do not know why the late fee keeps getting passed along to me when I was told it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MS

Complaint narrative:
I actually paid this company {$510.00} in XX/XX/2014 just to stop harassing me and to remove this wrong and bad information from my credit reports. They said they would nearly 7 years ago but it's still here!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is in serious violation of 15 USC 1681b

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is in serious violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-19 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: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX Balance : {$260.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX : {$100.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX : {$420.00} - There should not be any outstanding medical bills as ALL bills are covered under my workers ' compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees & HIPAA authorization or Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
XXXX  XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error 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 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
Dear Receivables Management you responded via mail but failed to provided the proper documentation. I specifically requested the HIPAA release form bearing my signature given the provider permission to release medical information to a third party. In the documentation I have from you do not provide me that form. 
This is against the HIPAA law for you to be attempting to collect on alleged debt owed without having this form. Unless you can provide me the form immediately. I demand you cease debt collecting and remove this account from my credit report ASAP. Further action will be taking if you refuse to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/19, Experian Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputed bankruptcy that is showing on my account. Experian stated US BKPT CT TX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.. This is incorrect I contacted the court and they sent a letter as well as verbally stated they do not verify or certify any records with the credit agencies. When asked for method of verification Experian has failed to provide that information as well. I am requesting they provide method of verification of who they spoke to, date they spoke to this person, and documents given to them showing they verified or certified this information with a person. If they are not able to provide this as they will not be according to the court, i am requesting removal from my 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 2021-01-19 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
company reporting wrong information to credit reporting accounts behind because of it fake billing when there has been no purchased by me more that 10 request for pay history to date not provide company claiming I went over the limit when I have made no purchases I requested copies of purchase to date nothing I want to pay off the cards but I proof of the purchases made by some one else

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/19, XXXX  Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
As of XXXX I calked chime bank and told them that i would not be using there. Derict deposit any longer but will keep my bank account open With them. At the end of XX/XX/XXXX I got a call from chime bank telling me that they closed my bank account. I opened up my bank account on XX/XX/XXXX to find out that my payment of {$750.00} was deposit in to chime bank that was not surppose to be and no one inform me of that. They keep telling me that there going to fix the problem. I fax over and e mailed all of my paper work from Ssi/ssa and plus paper work from them from when they closed my account and reopened it and when my XX/XX/XXXX deposit was posted to there bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold an item on XXXX  and collected payment via PayPal. The buyer of the item claims the item was purchased on the account fraudulently after I had already sent the buyer the item he purchased. PayPal took the money from my account and returned it to the buyer and allowed him to keep the item. I find it highly unlikely that someone was able to fraudulently access both the buyer 's XXXX  and PayPal accounts. PayPal claims they offer seller protection but none was given in this case.

Company response to consumer: Closed with explanation