vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
In XXXX I noticed a charge on my checking account titled " XXXX '' in the amount of {$150.00}. I have no idea who or what it is. I immediately filed a dispute. When I asked for more information, all the rep could tell me was it was an online purchase. My claim was denied, which I immediately reopened providing " additional information '' requested. That was where I was at the time of the purchase : I was at home with my family. It took them almost 2 weeks to provide me with the " documents '' used in determining the outcome of my case ( attached ). The 3rd time i reopened the claim, i detailed why the 3 reasons almost proved I DID NOT make the charge : 1. It was a PIN purchase, but I had my card and was home. 
2. The thief knew I was paid 2 days prior. Then why did the thief wait 2 days? I work so I get paid once a week. Why wouldn't they have taken it Thu or Fri? The charge in question was Saturday. Why didn't they take more? They took less than 1/2 of the deposit amount. This reason does not indicate someone knew a deposit was made.

3. If the dispute was 12 minutes away from my vicinity, than that is not at my house, so it's not me - because I was home. 
I have asked who this merchant is, what is their name, where are they located, why is there no contact info or location? They refuse to answer any of my questions and just say to refer to the documents used in determination. To me, this seems like it is clearly fraud. 
Even providing the information above, asking for a more valid reason for denying me, they still said no. They denied my claim yet again, providing the same document used in determining the denial the first 2 times. If this is a real merchant, tell me how to contact them and I can dispute it with them. But it doesn't seem real, so now I need my bank to help me get my money back- and they're not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have contacted Capital One. I have been sent to many departments. I also have disputed with XXXX XXXX. XXXX XXXX said this is my debt. However, Capital One has no record of it when I call them. All I need is the correct debt collection contact so I can pay it, dispute it or otherwise. I am unable to do anything to repair the issue if the collection department does not have record of this debt. 

Can someone get me the correct account number and phone number for me to call? 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: NC

Complaint narrative:
Negative information has been placed on my credit report by Fox Collections that I have no knowledge of. These accounts are : XXXX XXXX XXXX  {$140.00} and XXXX XXXX XXXX {$1100.00} I have no knowledge of these accounts and NEVER received any notice from this agency written or otherwise of there efforts to collect on these alleged accounts. Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act I have the right to dispute and request validation of a debt once I have been notified. I was never notified. And my rights as a consumer have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX ACCT # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Amsher Collection agency is attempting to collect on an account that I have no knowledge of. Pursuant to the Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act my rights were violated because I never received any written notification regarding this account or there collection efforts. I was never given the opportunity to dispute or request validation of this invalidated information which is a violation of my rights as a consumer. The account name and amount is : XXXX XXXX XXXX {$140.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the direction of the Equifax I contacted the companies that made inquiries. The companies do not have record of the inquiries. I demanded by letters that Equifax remove the inquires according to FCRA. No written correspondence reply. I have called repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to send me responses in the mail after Ive disputed items with them. I have called them in XXXX spoke to a manager and requested mailed responses only yet I continue to get an email notification because I use to have an electronic account with them. I sent letters certified in XXXX and still never got anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
Healthcare Financial is showing up on my credit report so I gave them a call. I paid one amount that was on my report on XX/XX/2020. The woman said I had other debt. I said I had not received any notification of any debt and would like to see something in the mail or set up payment arrangements. She disregarded what I said and never attempted to help me. My ex husband and I are divorced. I was a XXXX  XXXX  XXXX  XXXX  and our children were under his insurance since he was employed. Instead of trying to help me, she went and out and something else on my credit report and I received notification from a credit monitoring service. I have not once received anything in the mail from them. I am divorced and moved and she did not ask about my new address or seem to care. Furthermore, I am not liable for these medical bills, my ex husband is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX XXXX and Experian I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as Experian XXXX XXXX and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have a Closed Charge off Collection account from Santander opened back in XX/XX/XXXX. The vehicle was repoed in XXXX. I later found out Santander is involved in a class action lawsuit from XXXX through XXXX. And the state that i live and and where my account was opened is included in the lawsuit. I recently used this as my dispute reason with XXXX  and successfully got them to remove this account off my credit. I then attempted to dispute with XXXX  and XXXX  and Santander is reporting the account remains and is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus Trans Union XXXX  and XXXX I spoke to one manager at Trans Union and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  Trans Union and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX  XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX Equifax and XXXX I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  XXXX XXXX and XXXX XXXX they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, I currently have a mortgage loan with US Bank and an escrow account as well. Unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX is refusing to insure my property and honor my policy due to US Bank failing to pay my homeowners insurance in a timely manner from my escrow account as per our agreement after being contacted multiple times by myself and my insurance agent. They also proceeded to misinform my agent and myself of when payment was sent and caused my policy to be cancelled. 

Now, I am expected to pay {$3300.00} for a new homeowners insurance policy compared to {$1500.00} that will accept me with damage that occurred during Hurricane Sally and through my insurance agent, who is trying to honor my cancelled policy through their own company, an additional {$3300.00} for a deductible. 

US Bank has also been sent my new Homeowners Insurance Policy multiple times now and is again failing so far to pay them in a timely manner. 

I was wondering if there was any action I could take against US Bank for the impacts and costs of their actions. 

XX/XX/XXXX - XXXX XXXX  XXXX started and Paperwork Submitted. 
XXXX XXXX US Bank was contacted about late Payment and said they would overnight it. 
XX/XX/XXXX - US Bank contacted again about late payment, we were then told it was sent over regular mail. Not overnighted like we have been told. 
XX/XX/XXXX - Payment still hasnt arrived, contacted US Bank again and was told they have to do a check trace. 
XX/XX/XXXX - Hurricane Sally Cause Damage to Home XX/XX/XXXX - Insurance still unpaid. 
XX/XX/XXXX - Insurance Cancelled and Unwilling to Reinstate Our Policy due to being so late from US Bank. 
XX/XX/XXXX - New Policy Started and Paperwork Faxed to US Bank. 
XX/XX/XXXX - Called US Bank and Told They Did Not Have Information. 
XX/XX/XXXX - US Bank calls and states they dont have information still, information Faxed Again and inquired about payment for it. Was told it would be express mailed. 
XX/XX/XXXX - US Bank calls and states the dont have information. 
XX/XX/XXXX - Used US Banks online portal to Upload information. 
XX/XX/XXXX - Contacted US Bank again with Policy Information, Invoice, still  havent received payment. 
XX/XX/XXXX - Still no Changes.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: WV

Complaint narrative:
On XX/XX/2019 I opened a claim agains US Bank stating that the data and latd payments they are reporting to the bureaus should be removed. No by haste, but to prior notarized agreement between myself and their company. 

On XX/XX/2019 I wrote US Bank in attempts of getting late payments forgiven and removed from my account. US Bank agrees and has since failed to do so. Please see attached. 

US Bank submitted documentation that seemed to revert from my directives completely ignoring said agreement.

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 2020-10-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax won't allow disputes and my report shows blank all the time when pulled. Please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
1. Fay Servicing has no any signed agreement with us. 
2. Loan originator XXXX XXXX was supplied with hazard insurance before the closing XX/XX/2020. 
3. During the next 3 months this loan was transferred 3 times to the different companies. 4. Insurance was on place and nobody had any questions.

5. Fay Servicing tried to sell extra service with no ground.

6. Multiple disturbance by letters and harassment over the phone.

7. No availability to pay online.

8. Payment is taken over the phone and unsecured.

9. No COVID-19 available info, just sending to nowhere.

10. Totally unfair and deceptive practice to sell something more and expensive.

11. No responses for 3-4 times insurance policy sent and phone calls.

Company response to consumer: Closed with explanation