vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
They had been calling me every hour with many different number and not leave the messages on voicemail. It is very annoyed and its frustrated. I called and I asked them to stop calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I opened an account with chime about two years ago I been getting direct deposits for a year and a half ago. Same job same direct deposit for them years. Just recently out of nowhere chime told me that my bank account is Incompliant with there service out of nowhere and my account was put on hold. They asked me on XX/XX/2020 at XXXX XXXX  that I had Unusual activity on my account and I had to send the current document. A picture of my ID Proof of address and proof of the funds in the account. So I called immediately and they basically told me the same thing so the next day XX/XX/XXXX I sent them a picture of my ID My national grin bill with my address and my name on it and also my paystub. Then the same day the replies and say I need a picture of my ID with me holding it. So I sent that then Three days go by ( Today ) I get a email saying my account has been closed and the money thats in the account is none refundable. I asked for a supervisor he told me nobody can touch the account and my money is just their in the account and I cant get it back. I asked for them to send it in paper check and all. Then I asked the supervisor how is my account Uncompliant he couldnt even give me a answer of how. When I looked online I wasnt the only person chime has closed account for no reason and has took thousands of dollars from other individuals This bank chime Banking services provided by XXXX XXXX XXXX or XXXX XXXX, XXXX, Members FDIC. The Chime Visa Debit Card is issued by XXXX XXXX XXXX  or XXXX XXXX  pursuant to a license from Visa U.S.A. XXXX. 

There support number is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 I received two letters from Bank of America stating that the disputed amounts of {$290.00} and {$390.00} were temporarily credited to my credit card. Before that, I called the bank to notify them that I tried to enroll in a sort of Trading Course which was supposed to be a free trial for 30 days provided by XXXX XXXX XXXX, however, I have noticed charges I have not authorized and immediately tried to reach them by calling, email them and, even on their XXXX account but I have no luck neither they reached or replied back to me. Then, my account was closed, and suddenly I see the charges again, tried to get in touch with the bank but never was got in contact with the department or unit responsible for the dispute. Lately I check my credit report and noticed I was flagged as delinquent for 30 days of no payments.

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 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXXXXXX  My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, XXXX, and TransUnion several times and they are still reporting inaccurate addresses. 

Sincerely, 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 2021-01-03 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: NC

Complaint narrative:
To Whom It XXXX Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, Equifax, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by Resurgent Receivables LLC. Resurgent is claiming that I owe a debt from XXXX XXXX  ( XXXX XXXX ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in 2014. XXXX XXXX, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from XXXX  XXXX dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND TRANSUNION EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM ACCOUNT SERVICES AND {$130.00} FROM CREDIT MANAGEMENT. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS

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 2021-01-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX , XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 7. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response

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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: MA

Complaint narrative:
A note from Allied International Credit Corp. ( US ) [ located at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ] was sent to me on XXXX XXXX, 2021 stating XXXX as the creditor asked them to collect an amount {$180.00} ( with an account number XXXX ***** and reference # XXXX ). 
None of my family members has an XXXX account nor does business with XXXX. I suspected it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is Citibank, as I was affected by a Citibank Data Breach when I applied for a credit card back in XXXX. Second, Citibank of XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the XXXX Data Breach that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX.The XXXX County Sheriff Office has been informed to a XXXX XXXX  with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX debit card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the XXXX Data Breach and the Citibank Data Breach from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX XXXX  XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the XXXX  Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims Administrator from the XXXX Class Action Settlement. I am seeking punitive damages due to the inaccuracy of 1 ) invalid, not applicable denial reasons that do not apply to my credit history since these two data breaches still have NOT BE RESOLVED of an unspecified amount.

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 2021-01-03 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Good afternoon, I am currently banking with Navy Federal Credit Union and recently I lost my credit card and between XX/XX/20 and XX/XX/20 there were 4 charges totaling {$7000.00} charged on my card from " XXXX. '' I did some research and found out that this is a virtual currency transaction site and I attempted to contact the merchant but was unable to get a hold of anyone. I filed a fraud claim with NFCU for the above amount and for some reason it was denied. I appealed the decision to them and again they denied the appeal and did not give me a reasoning. I am insanely frustrated with it because I do not have the money to cover these charges nor did I even make them in the first place. I wanted to file a complaint with CFPB to see if there is anything else that can be done. Thank you in advance and I look forward to a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by XXXX XXXX XXXX. XXXX  is claiming that I owe a debt from Sterling Jewelers ( Jared Jewelers ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in XXXX. Sterling Jewelers, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from Sterling Jewelers dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AmerAssist A/R Solutions, Inc.
State: MI

Complaint narrative:
A claim of XXXX XXXX, which was not performed on me or anyone in my family, was issued by XXXX XXXX in XXXX XXXX XXXXXXXX, CA and sent to a debt collector which in turn was sent to me. I ignored the first bill back in XXXX, XXXX knowing full well I did not have any XXXX XXXX performed in California since I live in Michigan and last visited California sometime prior to XXXX before the age of XXXX. I do not have any information regarding dates or work performed as I never received anything but a debt collection notice. On XX/XX/XXXX I received a notice of potential collection by an attorney in XXXX, OH representing the debt collector also located in XXXX, OH. I am currently drafting a letter to the attorney, debt collector and XXXX  requesting information I can present to my XXXX and Insurance company in order to prove I had no work performed outside my own XXXX in Michigan. The total debt owed is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Consumer payment dispute on credit report Macys Late Payment dispute to XX/XX/XXXXand XX/XX/XXXX 

Macy 's falsely accused me of being late for the following months listed below when payments were received through my bank as auto payments. 

XXXX XXXX - 30 days late XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX- XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX and XXXX - XXXX. 

This delinquent account record is inaccurate because I paid each month on time ; I did not know that Macys increased my monthly payments starting XX/XX/XXXX once the COVID -19 crisis was finally recognized, although my hours were reduced in XXXX, I still managed to make my original monthly payment on time. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

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 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2021-01-03 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: WI

Complaint narrative:
1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX XXXX XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response XXXX. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response

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