vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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:
Please see attached documents, I have disputed two errors with Equifax EIGHT times, starting XXXX XXXX XXXX. They have been unable to verify the information that is CLEARLY their error and they will not respond to any of my disputes with method of verification. 
This is not only an FCRA VIOLATION, but I can take legal action and I will if these are not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX in saying I owe money that I do not. I signed up for service from XXXX in XX/XX/XXXX. I transferred my energy bill from an apartment on XX/XX/XXXX to a new address. The plan never should have changed, just transferred service but approximately 9 months into service at the new address, my bill was consistently increasing. I called multiple times to inquire why my bill was changing. In XX/XX/XXXX they told me the bill would be an average based on the usage of the home from the previous year. I explained to them that I had not lived at that address the prior year and that the property had been vacant for over a year so that information would be inaccurate. I was never late with a payment during the entire time I had my account for over 3 years. I made repeated attempts to contact XXXX to ask why my bill was so inconsistent. Every time I was told it was taken care of, that there was an error with the billing. 

I moved out/vacated the new address on XX/XX/XXXX & canceled service. The last billing cycle I am responsible for is XX/XX/XXXX to XX/XX/XXXX which I paid the amount due of {$250.00}. I was sent a bill showing I owed {$740.00} for " Balance Due for Billing Plan ''. I called and was told it was for Deferred billing. I have no idea what Deferred Balance is or what it means and I never signed up for that. I repeatedly called to ask about it, to dispute it, to tell them that was not correct. The error in billing is on XXXX end. I do not have phone records of my attempts to resolve this, only 2 conversations via chat helpdesk showing my attempts to get this resolved. I was unemployed for most of the pandemic in XXXX but always paid my bills in full and on time.

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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Wilber and Associates, P.C.
State: ID

Complaint narrative:
Wilber and Associates continues to contact me regarding a debt I do not owe. They are calling me in the middle of the night around XXXX. I have tried calling them back regarding these issues and was never able to speak to an actual HUMAN representative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaddeus Bechtle Attorney at Law, LPC
State: VA

Complaint narrative:
Received summons in mail for judgement XXXX XX/XX/XXXX from Thaddeus Bechtle in regard to file number XXXX. 
Called collecting company on as I had NOT received a notification, Spoke with XXXX and she stated that one notification was sent in XX/XX/XXXX via mail and this was the only communication sent. 
The documents included in the summons, state that the company went to court in XX/XX/XXXX. I was never notified, XXXX confirmed again, I was only notified from Thaddeus Bechtle law agency once. 
I asked if this was policy and XXXX refused to answer. 
I asked if I could set up a payment plan, XXXX answered yes- but agency would still proceed with upcoming court date of XX/XX/XXXX. 
I asked if I could set just pay the full amount of {$800.00}, the amount that is due. XXXX said yes, but that still would leave a balance of XXXX XXXX stated I must pay the fees to avoid court, making me pay a total of {$1100.00}. 


XXXX refused to allow me to speak with management to satisfy the account that she would only transfer me to the office manager, XXXX, no phone call returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX, XXXX, and XXXX was notified and a police report was submitted stating I was a victim of identity theft, XXXX XXXX XXXX {$47000.00} for a vehicle, XXXX, {$300.00} Capital one in the amount t of {$740.00} was also notified. these items are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for a loan through Discovered and was conditionally approved after a credit check for a {XXXX}. I was told to provide bank statements, proof of address, ID, and social security card. All documents were provided except for back of ID. I was contacted by a representative and told we just need the back of my license to move forward. Once that document was provided the loan was Approved and I received emailed with my loan documents. I reviewed the loan documentation and decided to wait one day to review it with my husband. The next day we went into the portal to sign, and the application and it showed were decline after full approval and verify documents. We have spoken to several representatives, including supervisors and managers, over the course of 3 days and no can tell us why it was decline other than " unable to verify information '' and the reason was proprietary. No specifics and recourse to help us understand what happened. Several representatives stated they dont know why the loan was decline as everything was ok and documents were reviewed. I feel as though Discover has discriminated against me after getting my ID and decided to decline the loan for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
So I got scammed by someone who tried to say I have to resigster defi-plan beacon chain. I did wire transferred on XX/XX/XXXX to XXXX to the Coinbase and transferred to the coinbase wallet. Through the coinbase wallet, and type the XXXX XXXX XXXX Then I clicked " receive '' button. 
Then it atomically move my USDT money to the mining pool. So I lost my control to withdraw my money. 
Now on my account, it is a 0 balance, but on the defi-plan platform, it says XXXX dollars. I've depoisted XXXX dollars from my personal loan, and my parent 's retirement plan. 
I've contacted with this problem with Coinbase customer serive, XXXX bank and police deapartment XXXX MA. Coinbase told me they can't help to get funds back and I am really frustrated how to do it. My payments are coming and I don't have any money left beside the money in the platform. 
I also changed the allowance from unlimited to 0 dollars through XXXX XXXX XXXX XXXX  Please help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: IL

Complaint narrative:
I was informed a few years ago that my information was compromised via the XXXX datat breach. They offered me a lot of free this and that but never took the accounts off.

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 2022-04-05 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: PA

Complaint narrative:
This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: PA

Complaint narrative:
This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/2022 I transferred money a total of XXXX dollars from my XXXX account to my XXXX Chime bank account. The transfer went thru. In the next couple of days the Chime card worked fine. Around the XXXX of XXXX I ordered a pizza. When I went to pay. I was declined. So I look up my chime account and I'm XXXX XXXX dollars exactly the amount that I spend the last few days. I end up calling Chime to get answers and got the run around for about 4 hrs. I was told to take pics of my transactions and my transfers and send them to customer service which I did. That was last Friday. It's now Tuesday the XXXX of XXXX. No answer back. My account has been closed by them. Everytime I try and call Chime it just hangs up on me. The system recognizes My phone number and says your account is closed. Goodbye " click ''. They never said they were closing my account. They didn't say that they were sending me a new card. They just closed it with no reason as to why. I have all the info. The money just disappeared. It is something internal with Chime. There are thousands of people online that have had or is having the same problem as I. I'm on XXXX losing this amount of money is devastating for Me. I hope you can help me get some answers and get my money back.. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roquemore Holdings LLC
State: IL

Complaint narrative:
A lady named XXXX called my mom ( unrelated to this issue ), and called myself at work. Their attempt to repossess a vehicle that is not theirs has been harassing and abusive to me as a consumer, pursuant 15 USC 1692d. Also they are in violation of 15 USC 1692e. They claim they are not a debt collector but pursuant 15 USC 1692a ( 6 ) states, The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant 15 USC 1692a ( 5 ), The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The repossession/collection of the vehicle is a collection of debt. I have not given anyone permission to share and use my information in regard to this alleged debt. If anyone communicates with me or my family again, I will pursue with legal action. CEASE AND DESIST ALL FUTURE CALLS, MAIL, ETC PURSUANT 15 USC 1692C.

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 2022-04-05 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: IL

Complaint narrative:
I was informed a few years ago that my information was compromised via the Equifax datat breach. They offered me a lot of free this and that but never took the accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Purchased a tablesaw in XX/XX/XXXX with the HomeDepot Credit Card ( run by CitiBank ) and received an incomplete product. Requested a refund and for the item to be returned in XX/XX/XXXX. Contacted both Home Depot and CitiBank about the matter in XX/XX/XXXX. I filed a dispute with CitiBank for the amount of the purchase, {XXXX}. Dispute was later closed XX/XX/XXXX and marked resolved with a vague letter not clearly stating what the resolution was. CitiBank stated over the phone the credit was approved but will not refund the credit until they get confirmation the tablesaw has been returned to Home Depot. I have called Home Depot numerous times to come pick up the item and to notify CitiBank once they do. Home Depot fails to come pick up the item. I have informed CitiBank of this ; they stated they want me to begin making payments on the {XXXX} amount until the item has been returned and refuse to re-open the dispute.

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 monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2022, I received a text ( attached ) from Chime, asking if I'd made a purchase {$85.00} from supreme organics. Immediately, I replied NO. Chime texted again stating that the transaction was blocked and no monies was taken from my acct. I as well stopped all transactions, cut up card and ordered a new card. To my surprise the next day, my card was charged $ XXXX {$170.00}, in total. I called the merchant XXXX XXXX, who stated no refunds, then hung up. I've made several attempts to contact merchant again, only to get a recording, every time. Chime has given me the runaround. Every time I call, my dispute is closed, and they never tell me why, but reopen it again, only to find its been denied, closed, next time I call. Chime informed me that the merchant tried to charge my card {$86.00} four ( 4 ) times with ( 2 ) getting through. XXXX has numerous complaints about this merchant, XXXX XXXX, doing this very same thing to many. I've basically been robbed {$170.00}, from XXXX and it seems I can't do anything to get my money back. Chime should never allowed the purchase to go through as they stated in their text. Or can they do whatever they please with my money. I still have an acct with chime. Should I close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dear Sir/Madam, In XX/XX/2021 my check for {$1000.00} sent to PA XXXX XXXX was fraudulently cashed in Wells Fargo XXXX 
Since XXXX of 2021 my XXXX bank can not get any response from Wells Fargo, and is getting back to me with the same info : Wells Fargo did not respond yet. 
My XXXX claim number is XXXX. 

Thank you.

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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Kia Motors Finance. Request loan payoff early. They only apply payments made and are refusal to me to correct error that it would be pro rated interest removed. I contacted and refusal to correct. Business seems aggressive and against citizens in how they look at it. I am not liable to pay in full the whole balance as will not be in possession of vehicle for full loan terms and they must deduct interest that would be paid and any other insurance but refused.

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 2022-04-05 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: AR

Complaint narrative:
Starting XX/XX/XXXX, I had sent out letters towards EXPERIAN to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX XXXX XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received a letter as of XX/XX/XXXX and an email on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report. I express my right to demand EXPERIAN disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how EXPERIAN has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS Court system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provided necessary documentation.

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