vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit card has been used up to the limits and none of the transactions were made by me. During those days, I was working and I have my schedule picture. The credit card company denied my claim saying I used it myself since the card was not reported as stolen or lost. I have the card with me in my wallet so why would I tell them its been lost or stolen? I did not realize about those transactions as I dont use my card very often. I called during my work day for almost 3 days talking with different persons, all they wanted is to make me pay the money. Claim investigators didnt talk nicely and properly as they yelling at me for explaining about the situation. I work with {$14.00} one hour how can I use my credit limit on the same day??

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried using my card at XXXX it kept declining. My friend paid with his debit card from chase and it worked. They sent a letter the very next day XXXX XXXX stating that I cant use my accounts and that they would be closing soon. They also stated in the letter if I wanted to keep my accounts open I should call a XXXX number and every time I called the number I got misinformed. They restricted my accounts because of 2 forms that I submitted twice when opening the account and again on XXXX XXXX. They didnt look over what I submitted before freezing my account. I was out of town and had a funeral & didnt have access to my funds for a week. When I called the 1-800 number XXXX XXXX I was informed that my account would be back open in 48 hours and that wasnt the case. I was misinformed the whole way and had to suffer financially and emotionally for something that was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
On 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 yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.

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 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Financial Services
State: NC

Complaint narrative:
I purchased a car in XXXX which ended up getting taken by the city of XXXX because of red light tickets my then boyfriend had been getting on my car without my knowledge. That account is on my credit, as it should be. Im older now and getting my finances and credit together, so I had a friend go over my credit report where she noticed XXXX has two completely separate delinquent accounts on my credit- the original one that says closed and charged off, and another one that says I made a payment in XXXX ( which never happened ) and that Ive been delinquent on payments since. This is a completely fraudulent account. I called the company and the woman was HORRIBLE to me. She told me its too old and they couldnt do anything, then told me it may be important to me now but its not to them. I said that I didnt understand why she was being so rude to me and she hung up the phone on me. I have never in my life had someone talk to me like that, and to try to belittle me because of this was insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2019was having some personal problems so I called Elan Financial and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.

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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account is XXXX and I can not withdraw my money to my bank account for over a month now. There was a dispute about the money I received and the case was won in my favor. I was notified that any hold on this money was removed and I would be able to withdraw them but still nothing! I only get templates from PayPal how their system is caring about everyone and I should wait for some more time etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CO

Complaint narrative:
Network Capital has been calling me daily even after me requesting to be taken off of their call list. This most recent call, the telemarketer was asking what my rate was then told me that they could definitely beat the rate and transferred me to a licensed XXXX. The XXXX instantly told me that they couldn't beat the rate that I currently have. My complaint is 3-fold ; network capital is telemarketing my cell phone number, they have non-licensed people discussing rates with me, and they're providing false information.

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On or about XX/XX/2021, I deposited $ XXXX in a checking account and $ XXXX in a savings account in Chase Bank. On XX/XX/XXXX, I went into the bank to withdraw some of the money and I was told that the account was restricted. I could not withdraw any funds. When I asked why, they said they " couldn't get to the bank office '' to see what the status was. I spoke with the bank manager and she was unable to resolve the issue. No one she contacted knew why it was was restricted. 

I returned the next day and still was unable to get the issue resolve, even though I was there for 4 hours. The next day, after 2 1/2 hours, I was told that the restriction was because I did not have a physical address. They asked for proof of address from another bank. I provided proof of address. 

I returned the following Tuesday, and it was still on restriction. The manager called someone who did not answer the phone. I was in the bank from XXXX to XXXX. The manager was on hold the entire time. 

I returned the next day. The manager finally got through to someone, who told her that they had not received my proof of address. I was advised to give them additional time and return the following week. I returned the following week and was told they still did not know what was happening. 

At this point, I had been without access to my funds for 3 weeks. The following week, the 4th week, I was finally able to withdraw the funds. I was never given a reason for the restriction. There was no indication of fraud, I always had a physical address and I had previously provided the bank with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: IL

Complaint narrative:
Ambulance bill was handled by insurance company. Have been trying to dispute information from the credit bureau 's but have been unsuccessful. Insurance company handled bill. Instead of removing the collection off credit report the credit bureau 's just removed the amount owed on one report and left the collection open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CarMax, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted the each credit bureau XXXX, XXXX, and Equifax to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. Equifax stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TN

Complaint narrative:
I have contacted the each credit bureau Experian, XXXX, and XXXX to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. Experian received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX  / XXXX Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2021 at XXXX I received 2 emails from Chime ( part of XXXX XXXX ) stating that my account had been locked due to " an excessive number of unsuccessful sign in attempts ''. I replied to the email stating that I do not have a Chime account, I have never opened a Chime account, and any account with my name and email is fraudulent. Over the last 5 days I've repeatedly been directed to an unmanned customer service number that requires I enter my social security number, telephone number, and birth date. I've also been instructed to provide similar information, with a photo of myself holding identification, via email to the support team. With security being a primary concern I refuse to provide any of that information and have made no fewer than 5 requests to be provided with a direct line ( telephone number ) of someone I can speak with. It appears to have been " escalated '' to others on the support team, but there has been no progress towards a resolution. My concern is two fold. 1. There may be a fraudulent Chime account that is associated with my name, potentially damaging my credit and reputation, and Chime is refusing to provide any assistance. 2. The outright refusal to support, or provide a basic level of customer service leads me to believe Chime is not only complicit with fraud, but will refuse to take steps to mitigate fraud on their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: IL

Complaint narrative:
Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.

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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was formerly a resident of XXXX XXXX XXXX XXXX. And I lived in that apartment with my Nephew after my husband divorced me behind my back and moved in with my neighbor downstairs. I actually moved into that apartment on XX/XX/XXXX. On the XXXX XX/XX/XXXX, I communicated to the apartment my intentions to move out of the apartment in 90days. On the XXXX of XXXX I put a call through to the apartment to confirm if my mail was received, they the apartment staff named XXXX told me they couldnt find the mail, so I re-sent the email immediately. The manager responded to me. She put a figure on the letter indicating that if I moved out Ill be charged {$2400.00}. I questioned it immediately because what my lease term indicated was that am liable to pay {$740.00} as my last payment, once I give 90days notice. She the manager XXXX XXXX refused to reply my email and also declined to see me, to talk about the email she sent me. I went to the office again on the XX/XX/XXXX to ask XXXX one the staff why the office keep lying to the other properties agents I applied to that I didnt give them XXXX XXXX XXXX any notice. She apologized to me, and we both went over the issues of how much and she confirmed that am only to pay {$740.00}. So on XXXXi moved and dropped the keys. Immediately I moved they closed my account, so I couldnt even pay online. They went ahead to put a wrong amount of & XXXX. The debt collection Agency contacted me and I replied them in letter wrongly dated because my nephew used XXXX date format. I expected the debt collector agency to write a second letter so I can clarify the error and also agree on resolution. But I think the figure has been predetermined even before I moved. Fortunately, a mail that was important to me was sent to my former apartment, so I went to see if I could get it, and that was how I found out my apartment has already been let out to a new resident in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I have a credit report monitoring service through XXXX and noticed a collection item on my credit report with Sequium Assett for {$1500.00} from XX/XX/2021. I know they are pursing a debt for another company, possibly XXXX XXXX XXXX, but I have no idea what this is regarding. I do not have an account with XXXX XXXX XXXX. I already disputed through XXXX, contacted Sequium via email, and contacted the XXXX. If I had any outstanding amounts owed, would they not have sent me a bill/invoice/collection notice via mail. I have received nothing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: CA

Complaint narrative:
I was a past tenant at XXXXXXXX XXXX XXXX in XXXX CA ( XXXX ). This apartment complex reported {$20000.00} of debt to XXXX XXXX XXXX XXXX. When I contacted the apartment complex after I noticed a change on my credit report showing this debt, they had no information to give me besides to contact the creditor to file a dispute. I made contact with the creditor company on XX/XX/2021. I spoke to XXXX XXXX. I completed the dispute process over the phone with her ; I was told she was going to she was going to contact the apartment complex and that a 30 period for the apartments to respond would begin stating this day we spoke. XXXX stated she would forward me whatever documentation she obtained from the apartments regarding the debt. I never received any email from XXXX. I called XXXX back and spoke to her on XX/XX/2021 and left a voicemail. As of XX/XX/2021 I had not received an email or call back from the creditor. I then called again XX/XX/2021 I spoke to XXXX, she said she had gotten a copy of the charges filed by the apartments and that the dispute did not start until XX/XX/2021. XXXX had made it very clear when we first spoke the dispute would go into effect that day we filed it. When we spoke XX/XX/2021 XXXX stated she would email me a copy of all documentation that she has obtained and I have not received any of this information whatsoever. 

The 30 day window that began XX/XX/2021 or XXXX/XX/XX/XXXX have past and I have yet to receive a single document or email from the creditor dispute my multiple attempts to proceed with the dispute. 

Lastly, I want to add XX/XX/2021 when I spoke to the XXXX XXXX  ; I spoke to Mr. XXXX and the manager. I was told I would be emailed a copy of all changes and those were never sent to me either. The apartment complex stated they do have my file on hand and that it is in a storage unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account PENNYMAC LOAN SERVICES is reporting late ( XX/XX/2020 ) as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation