vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: VA

Complaint narrative:
I submitted disputes to Chime because I had a fraudulent charge from an online business. I explained I lost my phone and this is when the charge occurred. Chime denied my dispute. I submitted a rebuttal and provided chat history with the merchant explained it was a fraudulent charge and the merchant recommended I reach out to my bank institution. The chime customer service center continued to send the exact same email to me every time I asked for an update or provided more information. I called chime and they read a dialogue off their screen and every representative said the same information and did not help me. The managers all said the exact same thing to me and read a dialogue no matter what I said. They recommended I reach out to the same email that would send me the same response no matter what I submitted or explained. I asked for the corporate number and I was denied this information. I asked for another manager and was always told there was no other manager for me to speak to. I never received help and along with chime I submitted a dispute to my other bank and they closed out the case in my favor with the same information provided. I provided this documentation from the other bank to chime and I continued to get the same response and no further help with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well everytime I try to apply for a loan or credit card with Wells Fargo I've been a customer for a very long time they always say that I'm delinquent have too many accounts and it is true in the past before filing bankruptcy I did have that on my credit history but since then all that information has been paid off and there is no delinquent account or anything on the account for about three or four years maybe three years rather but they're still advertising that information as to why they can not approve me and I just want accurate information if it's the bankruptcy just say the bankruptcy but to say that I have several delinquent accounts and that's not correct

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 2021-08-26 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: GA

Complaint narrative:
I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX nexus said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I submitted a Cease and Desist letter to XXXX and in that letter I stated that stated that as the Original Creditor 15 USC 1692a ( 4 ) That I do not owe the debt. I have made numerous calls to them requesting information on the Original Creditor to whom they claim the debt is owed in accordance to 15 USC 1692g ( a ) 5 they have failed to provide that information despite numerous attempts to have those records sent. I have made several complaints which CFPB refuses to look into despite the many violations of the debt collector and their continuance harassment, threats to confiscate my property and their use of abusive language. I have sent a recession and that was ignored as was all other correspondences I've sent to them. XXXX CONTINES TO SEND XXXX LETTERS ALLEGING THAT I OWE A DEBT DESPITE THE CEASE AND DESIST XXXX IS REFUSING TO ADHERE TO AND ADDRESS THE DEMANDS SET FORTH IN THE CEASE AND DESIST CFPB continues to close this case without further investigation! This is a direct violation of the enforcement authority of your organization : Enforcement Authority CFPB is authorized to conduct investigations to determine whether any person is, or has, engaged in conduct that violates Federal consumer financial law.16 Investigations may be conducted jointly with other regulators,17 and may include subpoenas or civil investigative demands for testimony, responses to written questions, documents, or other materials.18 CFPB may bring administrative enforcement proceedings19 or civil actions in Federal district court.20 The Bureau can obtain any appropriate legal or equitable relief with respect to a violation of Federal consumer financial law, including, but not limited to : Rescission or reformation of contracts. 
Refund of money or return of real property. 
Restitution. 
Disgorgement or compensation for unjust enrichment. 
Payment of damages or other monetary relief. 
Public notification regarding the violation. 
Limits on the activities or functions of the person against whom the action is brought. Civil monetary penalties ( which can go either to victims or to financial education ). CFPB has no criminal enforcement authority. 

16 Sec. 1051 17 Sec. 1052 ( a ) 18 Sec. 1052 ( b ) and ( c ) 19 Sec. 1053 20 Sec. 1054

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 2021-08-26 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: GA

Complaint narrative:
I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Hello, my loan servicer Amerihome Mortgage ( XXXX XXXX XXXX, XXXX, NJ XXXX, tel : XXXX ) performed Annual Escrow Account analysis on XX/XX/XXXX. The analysis states " Your Projected Escrow Account Balance as of XX/XX/XXXX is {$2500.00}. Your Required Beginning Escrow Balance according to this analysis should be {$3000.00}. This means you have a Shortage of {$510.00} '' Amerihome also provided a table with their calculations, which show how they determined that the balance is projected to be {$2500.00} on XX/XX/XXXX. Since the analysis was done ( and the report was generated ) on XX/XX/XXXX, the table contained an estimated payment Amerihome expected to receive from me in XX/XX/XXXX. Nevertheless, the table was missing the estimated amount for XX/XX/XXXX, since my XXXX payment was done on time after XX/XX/XXXX. Had Amerihome included the estimated amount for XX/XX/XXXX ( {$640.00} ), the projected amount for XX/XX/XXXX would have exceed the required balance and there would have been no shortage. 

On XX/XX/XXXX, I called Amerihome and explained the problem as I described above. The representative created a ticket and promised that I would receive the result of the review of their calculations no later than XX/XX/XXXX in my email. 

On XX/XX/XXXX, having received no email, I called Amerihome to ask for the status of my ticket. The representative said that the review was performed and that they believe that their calculations are correct. He stated that I would not receive anything in the email showing the results of their processing of the ticket created per my report on XX/XX/XXXX. The representative could not explain why missing a payment for XX/XX/XXXX ( either actual or estimated, as in XX/XX/XXXX ) is a proper projection method. Instead, he offered printouts of past payments and escrow account balances, even though they are irrelevant to the projection techniques that Amerihome employs. Thus, unfortunately, I was unable to resolve the issue with the Amerihome. 

The issue with the projection method in Amerihome reported above became even more difficult to resolve because Amerihome suddenly notified me about my loan transfer to another servicer, which will honor Amerihome 's questionable calculations, with no knowledge or responsibility for wrong calculations. Specifically : On XX/XX/XXXX I received " Notice of Servicing Transfer '' from Amerihome in mail. The letter indicated that it was generated on XX/XX/XXXX. The new Servicer will be XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel : XXXX ). Both Amerihome and the new servicer confirmed that they are expecting my loan to be transferred on XX/XX/XXXX, and that the new processor will honor the questionable calculation done by Amerihome. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/2021, Without my permission, Wells Fargo and XXXX linked my WF Rewards program to my XXXX account. I never asked for this nor would ever want to link the two.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax it's reporting an address in Texas that is not mine I've never lived there. I've been in Florida since the mid 90s. I have tried to dispute this with them but they find no issue and do not remove it from my credit report. I want to file a complaint against them and have this resolved for them reporting inaccurate and false information. This is tide 2 a company as well in Texas I believe that this might have something to do with identity theft This is why I'm concerned please help me in this matter with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I applied for a job with XXXX. When I received a copy of my background check, a charge from last year ( XXXX XXXX ) that was thrown out / dismissed is showing on the report as if its ongoing which now eliminates me from being offered the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My XXXX XXXX account are not Delinquent Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello. My name is XXXX XXXX and on XX/XX/2021, I noticed a fraudulent activity for the amount of {$2000.00} withdrawn from my Chase checking account via XXXX. Within an hour of noticing, I contacted Chase regarding this fraud. The chase representative informed me that it would take 10 days for the claim to get processed. Within those 10 days, I received a text alert stating that a new recipient [ XXXX ] was added or edited to my XXXX contacts. I proceeded to contact chase regarding this matter. A Chase representative informed me to send a screenshot of the text alert to XXXX. A representative also informed me that my claim was denied and closed. Being shocked by the news, I spoke to another representative and she informed me to fax all the proof that my email and social media was hacked that same day to the Chase fraud department. About a week later, I contacted Chase again regarding an update on my fraud claim. During this phone call, I again was informed that my claim was denied and closed. I have been a loyal chase customer for over a decade and a previous J.P Morgan employee. I truly can not believe the lack of customer service from Chase. I am a dissatisfied customer and I would truly appreciate if I can obtain support and assistance from you with appealing the decision from chase bank to deny my fraudulent claim. In an effort to rectify this issue, I will be filing a police report and re-appealing the decision. Feel free to contact me via email at XXXX or via phone XXXX XXXX XXXX XXXX. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
There was no option for this category so this complaint may be in the wrong debt collection sub category. This complaint is against Spring Oaks Capital LLC. They are attempting to collect a debt from me. I live in Florida. According to Title XXX111 Chapter 559.553. A consumer collection agency must be a licensed consumer collection agency who is also licensed in the state of Florida in order to collect a debt or attempt to collect a debt. Spring Oaks Capital is not licensed in the state of Florida as a consumer debt collection agency and therefore is attempting to collect an illegal debt. Since they ( Spring Oak Capital LLC are committing a crime this alleged debt they claim I owe is null and void. Companies can not legally profit from crimes they commit. I have filed a complaint with the Florida Attorney Generals office.

Company response to consumer: Closed with non-monetary relief