vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is serious with Equifax, i noticed on their website i was a part of their data breach, they never mentioned it, so for the past 6 months i have did what they asked and submitted soc security card, license, and utility bill in XXXX, nove and XX/XX/2020, i finally receive something in mail today stating we can not locate your credit file. 

I keep trying to call i cant get thru the automated verification process because someone or something changed my answers, so nothing is matching. I put in my phone address etc nothing is matching. Equifax will not help me or address these issues other than to deny me access to my information by phone or by mail i have mailed proof 3 times and im fed up. I am a victim of the data breach i figures this out tonight and put in my social and it came back yes your information was affected, so im at a loss i need some help to get this problem resolved. 

Yesterday I received a letter from equifax my file is not found. Now i am trying to buy a car, my report is XXXX with XXXX and XXXX with XXXX but only XXXX with equifax, im so upset, this is destroying things for me. Equifax will not help me. 

Please help me Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX went into what appeared to be a legitimate business. XXXX XXXX where he said he could provide a intuitive statue custom designed. I was advised that it would be available the following Wednesday and hed provide an address where I could pick it up. The address provided doesnt exist. Reach put via social media. The store is closed. Wrote a letter. On XXXX after no avail to getting either the statue or my money. I opened a claim with my bank. Filed a police report and signed an affidavit attesting to pressing charges. I supplied this to my bank and they have not returned my money. It was sent via certified mail and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Radius Global Solutions LLC
State: WA

Complaint narrative:
XXXX XXXX claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} XXXX XXXX also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both XXXX XXXX and Radius Global Solutions the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered Radius Global Solutions LLC a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both XXXX XXXX and Radius Global Solutions LLC via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : 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 2021-01-13 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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-13 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2020 I submitted a dispute for a {$100.00} duplicated charge on my chase credit account from the vendor XXXX XXXX. I am not understanding why chase bank is preventing me from contesting a duplicated charge on my account. The vendor provided them false information about missing data from a visa application which was completely untrue. It is totally impossible to submit visa applications on the vendors website without entering all required fields, their systems would not even allow an application to move forward without the proper file sizes let alone allowing an application to be submitted with missing data. I personally attempted to contact the vendor several times but my contacts went unanswered. When I submitted the dispute to chase they provided erroneous accounts of what actually took place. I followed up with chase bank XX/XX/2020 and XX/XX/2020 as their consumer and till this date they have ignored my requests and have not provided any means for me to refute the vendors claims. I ask you to please investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
I received a letter in the mail by this company on XX/XX/XXXX telling me I own money on a credit card debt. I did not know this company or what this was for. So, I sent out a debt validation letter not verification, validation and that was on XX/XX/XXXX and I know they received it because I sent it certified with signature USPS and got the signature back that someone had received it on the XXXX of XX/XX/XXXX. I did not get a response back with in the 30 days I was asking for. So, I sent another Letter a non-response letter on XX/XX/XXXX. I also know they received the letter because I sent that certified with signature USPS also and they received. So now its XX/XX/XXXX and I finally get something in the mail from them that looks to be old credit card statements and nothing else. How can this be proper validation? This is ridiculous I have waited over 107 days to hear back from this company. I have now sent out three letters with no progress from them to help me resolve this debt that I may owe, and they are reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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.

Complaint narrative:
I was taking out a loan with my bank to pay out my ex partner. 

On the day of settlement I was denied this loan due to Equifax getting my credit scores wrong which was no fault of my own. 

This ultimately cost me 1000 's along with the stress and anxiety that came with trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nickel City Group LLC
State: FL

Complaint narrative:
I am being sent these text messages, this time from this number ( XXXX ). I have never been sent any communication in the mail. Company name is OFG LLC XXXX XXXX This is not a solicitation We have important documents here in our office pertaining to your name and SSN, pending further review. This is now the 3rd attempt we have tried to reach you. Our offices have paperwork that may have been delivered to you or scheduled to go out shortly. Please refer to file number XXXX The office number is 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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} American Express also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both American Express and XXXX XXXX XXXX the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered XXXX XXXX XXXX XXXX a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both American Express and XXXX XXXX XXXX XXXX via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 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:
Chime notified me that my account will be closed without reason, I was told the funds in my savings account will be transferred to my spending account and all remanding balances will be sent via check in 30 days howver its been over 30 day and I stain didnt revive my money I e tried calling and emailing and theyre response is sine theyve ended theyre banking relationship with me they can no longer assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AR

Complaint narrative:
Someone accessed my account and transferred all of my money to another account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
I closed on my new home on XX/XX/2020. The lender is Caliber Home Loans, and the Title Agency is XXXX  XXXX. This complaint is only about Caliber Home Loans. 

A few hours after I closed, I received a call from the title company, informing me that there was a mistake on my final closing disclosure that Caliber had prepared and that was used to determine the amount of cash I owed at closing. Specifically, a mistake was made ( and not caught prior to closing ) regarding the amount of property taxes that were credited to me ( and against the seller ). I therefore was asked to send additional money to the title agency to cover the mistake, but the title agency could only give me an estimate of the amount I was owed. To be safe, I sent the title agency extra money while we awaited the updated closing disclosure statement from Caliber Home Loans. The title agency has already agreed to refund me the excess between what I have deposited with them and what is actually owed.

However, despite multiple requests from both the title agency and from me to Caliber Home Loans ( via phone and email ), Caliber has still not provided to either the title agency or me a copy of the revised/corrected closing disclosure statement. Consequently, I have thousands of dollars being held by the title agent while we wait for this simple disclosure statement to be sent over. 

There is simply no excuse for Calibers original mistake or continued failure to provide the corrected statement to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit 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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a debt collection notice from Convergent Outsourcing , Inc. on behalf of XXXX XXXX XXXX from a credit card company called XXXX XXXX stating I owed {$1100.00}. I contacted XXXX XXXX and also contacted Convergent and asked that they provide proof that I owed this debt and neither company could provide me with any type of documentation. I do not owe the supposed debt and I do not want this to go on my credit report. I am very upset that companies are trying to take advantage of people during a crisis.

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 2021-01-13 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
Free Credit Report : I have for more than five years, requesting a free credit report from this ( Equifax ), as of this writing, they have not provided a report to me. I hope, through your office, the agency can tell you why and what is the reason they have not provided the report for me. This agency have denied every credit inquire made on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I called and closed three of my CDs with Marcus by Goldman Sachs on XX/XX/2021. Two accounts totaling approximately $ XXXX were closed and the funds were returned to me. It should be noted that promised wire transfer dates were not adhered to and required my constant follow up. As of XX/XX/2021 a third account has not transferred on promised dates even with follow up on my part. XXXX is will promptly open an account but will does not respond well to requests for account closures. I had a medical emergency that I required my funds for and XXXX was completely unsympathetic and unsupportive of needs. Never again will they receive a single XXXX of my funds.

Company response to consumer: Closed with explanation