vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX 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 2020-09-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX/XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with AC
CT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Let me start by giving you my background, I worked on XXXX XXXX for 20 years and have XXXX XXXX, XXXX. I have more than the average grasp of Banking Regulations. What Chime bank is doing, and from what I gather on a massive scale is collective fraud. Since this has happened to me, I have read hundreds of stories about similar theft. How its gone on in this day and age with all this regulation to protect the customer is beyond me. Chime has implemented a culture of theft and my guess is they will steal as much as they can until the Feds shut them down. 

What happened is I received an email my account was suspended due to suspicious funds. I explained to them my funds are coming from the New York State Department of Labor. That they were my unemployment benefits and thee is no way the could be suspicious Over the next day I sent them my drivers license, passport, two credit cards, my apartment lease. What all of this has to do with suspicions funds is beyond me. The crazy part is the wouldnt let me talk to anyone, i never had access to a human being. Just a generic email and when the person would respond it would be with a first name and last initial. Again the reiterated my funds were suspicious and the were closing my account and keeping the money. I could not believe such blatant fraud. You guys have to shut them down, they have stolen from a lot of people. They stole my unemployment which was {$410.00}, and I couldnt feed my family, I am beside myself. I couldnt even get a name or a phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: IN

Complaint narrative:
In mid XXXX we started receiving phone calls at my grandma 's from some debt collector for my estranged mother. Neither I or my grandmother ( her ex mother in law of 30+ years ) have had anything to do with their client ( my biological mother ) in several years. I have told them this repeatedly! I even gave them a current phone number for her, and yet about once a week or so we still get calls from the collector. It's for about {$4000.00}. They are extremely rude, and I am terrified that they are going to do something to either of us but especially my grandma. It's not our debt! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I being XXXX American was given a high interest rate on a new vehicle by Ally Bank which I read in a consumer report is predicted toward XXXX Americans and XXXX. I was pressured into false sales tactic dealer Im unable due to COVID-19 to make high payments on my car I purchased from XXXX XXXX dealer I had a trade-in and still had high interest rate with good credit score of XXXX Im feel Im being targeted please help me resolve this matter. Thanks

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 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2020-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these  agreements accommodations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I purchased a home through XXXX Mortgage in XXXX of 2019. When I did I paid a years homeowners insurance in advance so my escrow would build during that time. Upon closing, XXXX sold my loan to PennyMac. I never made any payments to XXXX except at closing. I called to report a claim on XXXX that our shingles had blew off at which time our insurance company ( XXXX ) told me our insurance had lapsed on XXXX because they had not received payment. I then called PennyMac who told me they couldn't make the payment because XXXX didn't give them the information. The money was in escrow and no one contacted us to tell us there was an issue. I had to pay {$9000.00} out of pocket for roofs on my house and garage because the mortgage company was negligent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 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: CA

Complaint narrative:
I have attempted to work with XXXX  and XXXX, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZXXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : NOWCOM/WESTLAKE FINANCIA XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
{$7200.00} WAS STOLEN FROM MY CASHAPP ACCOUNT ON XX/XX/20. This is money that was stored on my actual Cashapp wallet not from my bank account. I WOKE UP AT XXXX TO A TEXT FROM THIS COMPANY TIME STAMPED AT XXXX THAT MY CASH SECURITY LOCK WAS TURNED OFF. I IMMEDIATELY LOGGED INTO THE APP AND DISCOVERED THAT {$7200.00} WAS STOLEN FROM ME IN THE FORM OF 6 SEPARATE TRANSACTIONS 5 MINUTES AFTER HACKING INTO MY ACCOUNT (  {$2900.00} XXXX, {$2500.00} XXXX, {$500.00} XXXX, {$550.00} XXXX, {$500.00} XXXX, {$250.00} XXXX ). I IMMEDIATELY FILED A COMPLAINT THRU THE APP FOR EACH TRANSACTION. SEVERAL HOURS LATER THAT EMAILED ME BACK ASKING FOR ADDITIONAL INFO WHICH I IMMEDIATELY PROVIDED. THE FOLLOWING BUSINESS DAY, I RECEIVED ANOTHER EMAIL ASKING FOR ADDITIONAL INFO IN WHICH I PROVIDED. I HAVE BEEN TRYING TO REACH OUT TO THIS COMPANY DAY IN AND DAY OUT REGASRDING THE DISPUT PROCESS AND THE STATUS. THE INL RESPONSE I APPEAR TO KEEP GETTING FROM THEM IS WHAT APPEARS TO BE A SYSTEM GENERATED EMAIL CONSTANTLY ASKED ME FOR THE SAME ADDITIONAL INFO OVER AND OVER AGAIN ( I WILL ATTACH A COPY OF THE EMAILS. ) THEY DO NOT HAVE A CONTACT # TO TALK TO AN ACTUAL PERSON AND IT SEEMS AS IF THERE IS NO LIVE PERSON HANDLING EMAILS AS WELL. I TRUSTED THIS COMPANY WITH HANDLING OF MY MONEY AND I AM EXTREMELY UPSET THAT NO ONE HAS REACHED BACK OUT TO ME REGARDING THESE FRAUDULENT CHARGES. HOW CAN YOU AS A COMPANY ALLOW SOMEONE TO MAKE SEVERAL TRANSACTIONS BACK TO BACK TO BACK IMMEDIATELY AFTER HACKING INTO SOMEONES ACCOUNT AND TURNING OFF THERE SECURITY SETTINGS WITHOUT SUSPECTING FRAUD. IN THE EMAIL I RECEIVED BACK FROM THE COMPANY, THEY ASKED ME TO REQUEST A REFUND FROM THE PERSON WHOM IT WAS SENT TO, WHICH I DID AS REQUESTED WITH NO PROGRESS. How do you expect for a thief to refund something that was intentionally stolen. I am a single parent of 4 and I am extremely upset. I do not no this person that the money was sent to, I did not send my money to this person. All of my security setting were turned on, I have an XXXX w/ face  recognition therefore I dont no how your company allowed someone to hack into my account from a device thats not even mines and disable my security setting to even be able to steal my money. I just dont understand it, Im irritated, frustrated, I feel violated and I feel like I was robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: ProCollect, Inc.
State: AR

Complaint narrative:
Reached out to original creditor regarding item found on my credit report. Creditor disclosed that she could not talk to me regarding anything because the account was not in their office. Contacted ProCollect collection agency. Asked agency for validation of debt due to it not being my debt. Agency declined to send me written debt validation letter. Agency then told me to contact original creditor for validation of debt. Once I disclosed that I had already contacted original creditor and that they would not talk with me, ProCollect then agreed that it was only to be handled by their office ( ProCollect ). I proceeded to ask for validation of debt and the agent told me that it had already been sent out and proceeded to end the call interaction. I have not received any communication from then and I have been disputing this account for years now.

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 2020-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX mailed dispute method of verification & my drivers licence with my permanent address where I have lived since XXXX to Experian for them to show how they verified the incorrect bankruptcy on my report. 
XXXX received email from Experian stating they stared my dispute. 
XX/XX/XXXX received email from Experian stated they verified the bankruptcy and completed investigation, did not tell how or where it was verified from. 
The record is incomplete and inaccurate for court name, ref number, amount, etc. 
XXXX was NOT able to verify the record due to inaccurate information and removed from my record in XX/XX/XXXX. 
XXXX  was NOT able to verify the record due to inaccurate information and removed from my record XX/XX/XXXX. 
My XXXX file is frozen, they couldn't have verified it from there. 
Per my FCRA rights Experian is in direct violation of my rights, bankruptcy needs to be deleted from my report immediately. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My serve account has been permanently suspended due to an attempt of a ACH debit. 
A violation to the user agreement. I told the rep that I never gave authorization to anyone to debit my account by ACH. The rep would not give me any information about my account. I called back the next day and still getting nothing. I asked to speak to a manager.

He told me that the attempt was made by a funding source and that was all he can say.

I had two funding source direct deposit into my account. XXXX money transfer which serve uses for sending money. I signed up for that  service and XXXX sent two small deposits to verify my account. XXXX confirmed that no attempt of a ACH debit made to my account.

I had SBA EIDL direct deposit my approved funds to my account. I called SBA to asked them if they try to attempt a ACH debit. 
She looked into my account and told me the only thing she see is that my funds was disbursed. 
She said everything was approved and good to go. 
There was no attempt by SBA and the department of treasury trying to do an ACH debit. She told me to go to CAWeb.sba.gov and to enroll. This will show everything done in my account. If need too, I can send snapshot of it. I called serve and told them everything SBA had told me. 
I asked him, if there was an attempt of a ACH debit by one of the funding sources, how can I be responsible for something I have no control over and not even knowing it was going to be done. I can see if I was trying to pay any of my bills or paying someone using ACH debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
[ XX/XX/20 ] [ Transworld Systems Inc ] [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX ] Re : [ Account number XXXX ] Dear [ Debt collector name ], I am Submitting a complaint about Transworld contacting me about collecting a debt. contacted me by mail, on [ XX/XX/20 ] and identified the debt as my responsibility. I do not have any responsibility for the debt They're trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I want them to Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop my collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation