vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX went in person to close the account because i had tried to close it since XX/XX/XXXX. I decided to pay off early the loan since I had the opportunity to do so. I first opened the account in XX/XX/XXXX and my son was making the payments for me. Total financed {$1400.00} plus {$100.00} of origination fee plus financed charge of {$930.00} of 69.99 % for a total of 18 months, monthly payments of {$130.00}. First payment was done XX/XX/XXXX of {$130.00}, XXXX payment XX/XX/XXXX {$600.00}, XXXX payment XX/XX/XXXX {$61.00} and last payment XX/XX/XXXX {$870.00} for a total {$1600.00}. I had tried to close the account since XX/XX/XXXX but havent so because they come out with all this interest charge, So on XX/XX/XXXX went to close the account in person again and at first I was told it was {$130.00}, then {$50.00} and then it was {$200.00}. I was told because they divided payments in 12 months, those months that havent incurred interests. I read the contract and it does not say nothing about charging interest in advance and they dont let us close the account because they say we still have payment due until XXXX of XXXX, in other words they want to charge the whole interest of 18 months because they dont want to loose that amount since we are closing the account early and all I want is to save money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Chime Financial Inc
State: FL

Complaint narrative:
Hi I had a mutliple ammount of unathorized transactions on my chime debit card. I contacted chime about this transactions and I open cases for them, my claim was denied by them almost right away without them really looking into it. I was told to contact the merchant. the issues consisted of one merchant twitch. there were 2 different type of transactions related to twitch. one of them were transactions saying sub service at the end while the other transactions mention xsolla bits as the other description. I contacted twitch directly about this issues and they were of no help. I got the emails back from them they say they are unable to find my information and to just solve it with my bank, meanwhile when I contacted xsolla for the other transactions they were able to find me and refunded me the charges as they were fraudalent. This took care of half of the problem as the other half of the transactions were still not refunded. so now im out almost XXXX XXXX this are the following transactions and ammounts and dates that were not refunded by twitch. This are fraudalent transactions that I never authorized. I been going back and forth between my bank chime and twitch for a solution but nothing has happen I ask that you help me as chime should refund me for this transactions as I never authorized them. by the way the claim number that had all this transactions on chime is All of this transactions say XXXX twitch sub srvc on my card statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
this ( XXXX XXXX ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXXXXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: IN

Complaint narrative:
I had my tax refund direct deposit into my Cash App account on XX/XX/02 from my tax preparer TPG. It was for the amount of {$13000.00}. Since its not more than {$25000.00} it shouldnt had been a problem. My deposit was pending from XXXX ; XXXX am to XXXX. I tried to send my son {$600.00} dollars ( which I send money to him all the time and he send me money ) after I tried to send him money. I recieved a text saying my account is temporary locked for unusual activities and they want to keep me protect. Within 24 to 48 hours I will receive a notification and I will be able to access my fund. I tried to cash out my money to my linked bank account and cash app wont let me even transfer my money to my link bank account. I have spoken with over 8 reps from support. I have talk to a manager. I have send in the proof from my tax preparer. No one has resolve this issued and its over 48 hours. All Im trying and wanting to do is transfer my money to my link bank account. I can view my balance on cash app but cant cash out nor send or recieve money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
this ( CCS COLLECTION ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Credit Card services has failed to update my account with the {$500.00} payment that I made on XX/XX/22. The {$500.00} was drafted from my bank account on XX/XX/22 and yet US Bank still has not applied the payment to my balance.

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 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Today XX/XX/2022, I attempted to purchase a set of shirts through XXXX XXXX XXXX. It prompted me to use PayPal. 

I entered my information, and received an email to verify my account with PayPal. Before I could even open it, I received a second email in the same minute, stating my account was " limited '', and they'll be keeping my card on file though I can't access it, or delete it, without any explanation. 

I called them to file a complaint, and spoke with an agent who recited to me reasons why she can't explain it. Although she does have the reasons on her screen, I am not privy to that information. I asked if I should be worried about fraud, she said I can't have that information. 

Essentially, they've recorded my debit card information, taken my address and personal info, and they're going to hold onto it with zero explanation of why, forever. I am not happy with this arrangement. 

I'm a straight-shooting guy, I don't run scams, I have no idea why they're doing this. Perhaps the whole entity is just collecting information for another, more corrupt entity?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hard inquiry dated XX/XX/XXXX by XXXX XXXX still appears on my Experian credit report more than two years later on XX/XX/XXXX. See attached relevant pages of my credit report dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from Pro-Com Services of Illinois. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted Pro-Com of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: CO

Complaint narrative:
INFORMATION PROVIDED TO XXXX ( HIRING COMPANY ) FROM HIRE RIGHT ( CRA ) INCLUDED A CRIMINAL BACKGROUND REPORT WHICH ANTEDATED THE REPORT MORE THAN SEVEN YEARS. 
ADVERSE ACTION OF THE OFFER OF EMPLOYMENT WAS TAKEN BASED ON THE INFORMATION PROVIDED TO XXXX. 
CRA DID NOT DATE THE BACKGROUND SEARCH AT SEVEN YEARS. NO NEW REPORT WAS PROVIDED XXXX, DID NOT PROVIDE A PRE-ADVERSE ACTION NOTICE. 
XXXX DID NOT AFFORD THE OPPORTUNITY TO CORRECT THE DISCRIMPANT INFORMATION IN THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I have a moneylion  account for a loan i previously had with them and I have disputed this information multiple times with no solution and or explanation of them finding the information accurate. I filed Chapter XXXX bankruptcy in 2019 with the State of AZ and received my discharge on XX/XX/2019. I have submitted disputes with the company directly along with tXXXX since that is the only bureau who is showing this incorrect information. I have attached my discharge court paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc.
State: GA

Complaint narrative:
AMER FST FIN HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO XXXX XXXX. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO AMERICA FIRST FINANCE TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

XXXX XXXX HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. XXXX XXXX AND AMERICA FIRST FINANCE HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA had me in collections for a debt that was paid to XXXX XXXX XXXX They were trying to collect ~ {$180.00} in total and ruined my otherwise excellent credit for over a year. I was declined on several credit card applications where my credit should have been excellent. 

It took many phone calls to get this corrected and I had to speak with numerous people with bad attitudes who were unhelpful. I was able to get them to reduce the amount but had to persist with more phone calls and follow-ups to get it fully cleared. Even after they said they would fix it, it wasn't fixed and I had to call back again and press them to send the " AUD confirmations '' were never sent when they said they would send them. They admitted to the mistake at the end of the day and after MUCH persistence on my part. These are very bad people. It takes a special kind of person to work at a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing with XXXX, Transunion and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.

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 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a capital one XXXX  credit card that ends in XXXX and I Locked this card back on XX/XX/2022 because I lost the card and I did not want anyone to use it until I find it so I locked the card online by logging into my account and locking the card. So on XX/XX/2022 I was shocked to see a charge posted from XXXX for XXXX dollars dated XX/XX/2022 but the card was LOCKED on that date so how did someone manage to use it at XXXX or how did XXXX charge my account without my authorization and without my permission and with the card LOCKED. that same charge was declined on XX/XX/2022 from XXXX since my card was lost and I locked the card so nobody can use it. I called capital one credit card and I told them that there is a charge from XXXX on XX/XX/2022 for XXXX dollars which I did NOT authorize and I do not know anything about and that same charge was declined on XX/XX/2022 because I had locked the card since I lost the card and the card is not in my possession. XXXX managed to commit fraud and charge my card XXXX dollars while its locked and capital one credit card company helped XXXX. The card is locked so XXXX can not charge my credit card and NO transaction should go through from any company or anybody. I want a permanent credit for the XXXX dollars from capital one since this is fraud from XXXX and from capital one. The card has been locked for more than 22 days and NO transaction should go through. XXXX and capital one should give me a refund and a credit for the XXXX dollars and especially capital one since I am their customer and they have fraud protection against unauthorized transactions. I never made that purchase or charge from XXXX or any company since my card was lost and I locked it so nobody can use it. Capital one needs to refund me my money with a permanent credit for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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