vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I received my back pay for my unemployment finally after waiting for it to be fixed for over 3 months, it took a lot of time and effort to get it fixed. Once my deposit hit my chime bank account withing a hour or so they suspended my account due to unusual activity, I guess a deposit from the unemployment office is unusual activity, before it was suspended I have gotten my deposit every week for over two months and never had a problem. So once I found out my account was suspended I called them immediately and found out basically they wanted me to verify myself, and I asked them what I needed and I sent everything immediately, once they receive documents they say they have 24 to 48 hrs to respond, so the next morning which was about 12hrs later they responded and now I'm wanted more information, they asked for more stuff than the unemployment department ask for, so I provided that, I called right after I sent everything and confirmed they had everything they needed but there was nothing else they could do for me because the department that handles the suspended account is a special department and can't be contacted any other way than email. It's been 48hrs times 3 now and still no response, I send emails every few hrs no response, I've checked there reviews out and there is a bunch of people with the exact same situation as me that lost there money, I will not let that happen to me, I did nothing wrong. It seems to me that they are taking advantage of low income people and keeping there unemployment knowing there isn't much they can do about it, most low income people don't have the resources to afford to do anything and they know that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
Company CACI received a placement file from XXXX XXXX XXXX XXXX  for a past due membership fee. I cancelled in time which means the fee should not have been referred to collections. The date of placement was XX/XX/XXXX and CACI reported the item to the credit bureau on XX/XX/XXXX. CACI did not send me a validation letter or give me a chance to dispute the collection. I called the creditor and it does not connect to a live person. I emailed the creditor and they have failed to respond. I disputed the matter with CACI and instead of honoring my dispute they sent me a collection notice via email with the date as the date of our discussion. This company is illegal and is placing low balance debt directly to consumer credit report to force them to pay the debt. My credit has taken a big hit because of this. I am a college student and could not get approved for tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit card was paid off but no payments have been reflected on my credit report in over 1 month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NV

Complaint narrative:
I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either Experian, XXXX  or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX XXXX, XXXX XXXX tried to refund me for flights that they had cancelled and sent funds to a Chase credit card that I had closed in Spring 2020.

Chase returned the funds to XXXX XXXX because they had purged my credit card records from their system. Chase instructed me to work with XXXX XXXX directly to obtain the funds. 

XXXX XXXX told me that they can only refund my original form of paymentthe closed Chase credit cardbecause it would be " illegal '' for them to issue payment in another form. 

After several correspondences, Chase continues to refuse to help me get the funds from XXXX XXXX, even though XXXX XXXX said they would resend the money if Chase asked for it. 

Thus, I feel that I have no way of getting the {$1200.00} that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received the call from the Social Security Administration about my social security number being used by several individuals. I downloaded my credit report and saw that there was a Capital One Bank USA, na account open in my name in 2016. This account is fraudulent. I reached out to Capital One Bank and let them know that I wish to dispute the charges based on the grounds of identity theft and fraud.

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

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX  it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I previously owed money to two banks in 2016 ..I previously paid both accounts in FULL ..I have tried to previously open a new bank account in which I have been denied numerous times ..why would anyone try and do the right thing 4 years later and try and clear up the debt if your still not going to be able to open an account once the debt has been paid? One account actually claims there was suspected Fraud which in inaccurate to say the least! Why arent these two banks removed from the XXXX if they have been paid in full?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
House at XXXX XXXX XXXX XXXX TX was financed thru State Farm Bank. 
Mortgage in name of XXXX and XXXX XXXX, loan number XXXX XX/XX/2020 - House sold XXXX XXXX  XXXX, XXXX TX XXXX XX/XX/2020 - Actual date unknown. Received check for return of escrow dated XX/XX/2020 but sent to the XXXX XXXX  XXXX  address. Check issued in the name of XXXX XXXX and XXXX XXXX. XXXX XXXX was deceased. 
XX/XX/2020 - bank refused to cash check without signature of XXXX XXXX. 
XX/XX/2020 I went to State Farm office XXXX XXXX  XXXX XXXX # XXXX XXXX TX. Spoke with XXXX who made copies of XXXX death certificate, the check in question, XXXX will naming XXXX XXXX her sole beneficiary, and a change of address from the XXXX XXXX XXXX  XXXX TX address to XXXX XXXX XXXX XXXX TX XXXX. 
XX/XX/XXXX, XXXX I received letter dated XX/XX/2020 with USPS notification of change of address dated XX/XX/2020 with condolences and notification that XXXX XXXX was removed from the loan. ( The loan which was paid off at the sale on XX/XX/2020. ) The letter provided XXXX as a number to call for further questions. 
That number was called at least twice, likely three times, during this debacle. I left a message with a promise that I would be contacted within 24 hours. I am still waiting. 
XX/XX/2020 responded to above letter of XX/XX/XXXX, advising that they had copies of death certificate, advised new address again and requested re-issue of the check. 
XX/XX/2020 I received letter dated XX/XX/2020 ADDRESSED TO XXXX XXXX XXXX XXXX TEXAS XXXX. Not having the correct address of XXXX XXXX XXXX XXXX TX XXXX causes this correspondence to be severely delayed. This letter advised that they will respond WITHIN 30 days. Gave direct phone number XXXX which is a recording that doesnt produce return calls either. 
XX/XX/2020 -Responded to above letter reiterating comments of XX/XX/XXXX letter. Advised next letter would be to CFPB. 
XX/XX/2020 received letter dated XX/XX/2020 ( ADDRESSED TO XXXX XXXX XXXX XXXX TX AGAIN ) with notice that their review is taking longer and they would need additional time to furnish a response. They will provide a response within 15 BUSIESS DAYS - WHICH IS 21 CALENDAR DAYS ANOTHER THREE WEEKS. 
XX/XX/2020 4 months post sale I still do not have my escrow refund or any cognizant response other than form letters from State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: IL

Complaint narrative:
I sent a letter to dispute an old address that I never lived at and experian refuses to delete this particular address XXXX XXXX XXXX in XXXX Il XXXX XXXX XXXX XXXX, Il I have never lived there yet it appears on my report snd when I dispute it its not being addressed when I checked my membership with experian they claim there having technical difficulties and you never see the result but on XXXX XXXX I screen shot there deletion which I never got a updated letter by the address I have on file Ill upload there deletion that they took back Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
On XX/XX/2020, I disputed medical bills from National Recovery showing on all 3 of my credit reports. They came back to me as verified. On XX/XX/2020, I wrote to National Recovery requesting how they verified these accounts as mine, specifically asking for the document showing my signature for service and asked them for the HIPAA release as well, as you can see on the attached documents, they received specific treatment information about me. 

The following issues arise : 1. When the credit bureaus notified me that the accounts were verified, National Recovery simply sent me copies of the bills.

2. When requested their Method of Verification from National Recovery, they simply re-sent copies of the bills.

3. National Recovery has not, nor do I believe they are able to, verify that this debt ( s ) is indeed mine to pay. However, they remain on my credit reports as negative accounts.

Under code 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I have the right as a consumer to request competent evidence, that I owe this debt. A copy of the bills is not competent evidence, as I can make those up myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/2020 ANFI sent me a letter stipulating that I owed money for a debt they are trying to collect. They identified the debt as liability for a claim of {$5000.00} owed to XXXX XXXX XXXX XXXX regarding a loss that occurred on XX/XX/2020. No such liability exists to the best of my knowledge. I have had no accidents, nor any claims made against me or my insurance company during the time period described. My name is misspelled in their letter, further eroding the credibility of their request. I am concerned that even though the claim appears to be false, they will negatively impact my credit rating or bring further collection actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: MI

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXXXXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CA

Complaint narrative:
The other two credit reporting agencies, XXXX  and XXXX  corrected the XXXX XXXX XXXX XXXX negative credit reporting based on the same information that I sent Experian. EXperian failed to change my payments to " OK '', like the other two agencies, thus creating a lower score by more than 30 points in comparison to the other two credit reporting agencies. This is malicious and irresponsible behavior from Experian. There was data available, but they want to live by their own laws in the state of /california XXXX 
I want the months that Mention " ND '', to be changed to Ok and my credit score increased accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: DE

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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