vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC ) plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I paid my mortgage on XX/XX/XXXX and received a confirmation of the payment as well as a letter of payment. On XX/XX/XXXX an agent called me late at night to tell me that they never process the payment and that I would have to make the payment over again. Due to my fix income I had to borrow the money to make my payment which was supposed to be handled by the mortgage company. By this unprofessional treatment I feel that this finance company wants to force me into foreclosure. Now I have to find a way to make my next month payment to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I got an email message from USAA that I could not use their autopay services because I had never set up the account to list a funding source. 

My payment history and bank statement prove this is totally false and supposedly they deducted a {$900.00} premium payment from my XXXX XXXX account on XXXX. 

I checked online on manage my account and they had blocked me from seeing what was on file. I finally talked with a floor agent who confirmed that the account was set up for autopayment and could not explain why I had been told otherwise by upper corporate management. He also confirmed that the routing number USAA had on file was incorrect for my account number. 

I think my personal information was hacked and USAA is attempting to cover it up and my life savings is at risk

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MI

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/22/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was charged {$1200.00} by XXXX  XXXX. 
On XX/XX/XXXX, I was charged {$2000.00} by XXXX  XXXX. 
Both charges were to my Citi credit card. 
These charges are fraudulent. I did not make these purchases. 
I contested the charges through CitiBank. 
I received a document stating that the XXXX charge dispute was rejected and I'm responsible for the full fraudulent charge. 
The XX/XX/XXXX charge remains under investigation per my online credit card account, and I do not have to pay this charge until the investigation is concluded. 
To be clear, both of these charges are fraud. I did not make these purchases. 
I have called the credit card company about this multiple times and they repeatedly tell me that fraud is not possible because " your card has a chip ''. 
This is clearly incorrect.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I have checking account at apple bank, branch XXXX XXXX New York. I have money in my checking account almost {$39000.00}. I want today to the bank asked them to make a certified check because Im buying a house. The manager there refused to make me the check. He decriminalize, because Im a XXXX i believe this is the reason, Im not a thief or anything. because he doesnt have a a right to hold my money. He is not the government or the court to hold it. The manager name is XXXX XXXX. I have the closing tomorrow and Im losing about {$6000.00} lawyers fees. Please help me to solve this matter and make this guy an accountable for his discrimination action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: GA

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The debt was settled for a pay for delete and I would appreciate a pay for delete goodwill adjustment to completely remove the debt for Ad Astra. 


As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 

Please forward your agreement to the address listed below. I would appreciate it if we could work together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: CA

Complaint narrative:
Transaction date XX/XX/2021 Money was not available in beneficiary account, Contacted Chime Inc/Sendwave for a reversal as the beneficiary was not able to get the money, he stated the bank does not have a record of the transaction.

I have contacted the company severally via phone and email and they keep sending text messages they're working on it.

However the transaction receipt states I have a right to refund within 10business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
CFPB, Per XXXX XXXX/Amexs response : We reviewed the XX/XX/2021 chat mentioned in your correspondence and you did not request to cancel your account. 

Again, Amex cites the XX/XX/2021 XXXX not XX/XX/2021 XXXX chat, without providing the transcripts, so allow me to provide the transcript to the CFBP and Amex so that Amex is fully aware of Amexs fraud. 

-- XXXX.Amex Chat ( XXXX  ) : XXXX  : Why is my account showing a XX/XX/2021 Removal of Credit Balance? 

Amex : Upon checking your account, I was able to verify that the removal of credit balance youre seeing on your account is about your credit balance of {$23.00} thats been left on your account for 3 consecutive months now. 

For those instances, the system automatically clears the said credit balance by creating a request to have a check sent out to the card member. 

That is to clear the account, which is now {$0.00} balance. 

XXXX  : Tell the system to replace the stolen funds or close my account. 
XXXX, you are costing me more than {$30.00} of my time reporting this issue. 

Amex : I understand. We can request for the credit balance refund check to be cancelled and have it brought back to the account. 

-- Again, Tell the system to replace the stolen funds or close my account. 
XXXX/Amex failed to return the stolen funds, and Amex failed to close the account. 
Everything since is Amexs failure and harassment of me. 
I have given explicit directions with every one of my communications to Amex and the CFPB. 
The CFPB has failed to protect me from Amexs XXXX  and failure. 
I want nothing to do with Amex ever again. 
Best of luck in Amexs continued culture of ignorance, discrimination, and predatory revenue creation. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter XXXX. 

Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
I have received a letter from Conrad Credit corporation claiming that I have a debt of {$2900.00} owed to XXXX XXXX and consulting. I have never heard of either one of these companies and have never in my life been associated with them so I know for a fact that I do not owe this kind of debt to them. I have never been in business with them or never owed this type of amount to anyone before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime closed my account because they said I violated there rules. I did nothing wrong. I think because I got my tax return so they think its fraudulent. I spent the money right away on XXXX but the product never came so I asked for a refund and it was supposed to be here in 3-5 business days. I am guessing it has something to do with that. I cant live without that money. I need help please. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit score via XXXX XXXX, which indicates I owe a balance of {$190.00} on a Capital One credit card. The problem is that I do not have any account with Capital One. When I spoke to a Capital One customer service representative, she indicated that I do not have any account Capital One. My concern is that this issue is resolved, and that no fraudulent account exists on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
on XX/XX/2021, Jefferson Capital Systems LLC called me from a spoofed telephone number. They called from XXXX. They have called repeated times from an XXXX area code but their offices are in XXXX XXXX, MN. I previously told them not to call me again when they called from an 800 number and I've sent them a verification letter which also stated for them not to contact me. I have several blocked calls from them because them using the XXXX area code. I have not lived in this area for nearly 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
This debt does not belong to me ... XXXX XXXX  XXXX along with the credit reporting agencies are violating my rights as a consumer by furnishing information that is a result of identity theft.

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 2021-07-22 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: VA

Complaint narrative:
I pulled my credit report in XXXX and noticed a collection item. Called the collection company listed on my credit report and they stated the account is a joint account. I informed them this is Fraud. They stated they would send me a record and never provided anything. I submitted complaint to XXXX  and they removed. XXXX  and Equifax have not removed the item and Ive Disputed the item several times. Ive asked them to verify if the debt belongs to me and have told them its Fraud. Neither XXXX, Equifax or the Collection company have tried to remedy this and they are violating my rights under FDCPA. I have sent over three letters and disputed online. This item needs to be removed immediately XXXX XXXX XXXX Account -- XXXX Reporting to : Equifax, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX of 2021, I received notice that my escrow account was short $ XXXX. I was offered the option of paying it all at once or in payments. I paid it all at once and figured that was the end of it. The representative made no reference to an increase of funds being necessary. It turns out that my homeowners insurance policy has increased by {$63.00} a month. I was not aware of it and continued making my normal payment. 
Within the next 30 days or so, I received notice that somehow, I now was in arrears a full two payments, which was not correct. I contacted Freedom Mortgage and spoke with a representative who advised me that I was in arrears for the increase. They took a payment for the increased amount, and I figured we were square. Unfortunately, I was then contacted again and told I missed another increased payment. I had already made the automatic payment with my bank, but it apparently did not get increased. I then made a payment for two months increase without speaking to anyone further. I never argued with them and they never indicated that the payments were considered late. I PAID THEM IMMEDIATELY UPON RECEIVING NOTICE!! 
Without any notice or contact, Freedom Mortgage then reported to all 3 credit bureau 's of an alleged late payment. I never missed a payment and paid every increase I was made aware of. I was never out of contact with Freedom Mortgage and was never threatened with credit coercion, as they have now committed. 
Prior to this endeavor, my credit score has been XXXX, for years. I use my credit quite often, which is how I make a living. I have never missed a payment or been late for anything. I contacted Freedom Mortgage and they have advised me to " pound sand ''. I have spoken with representatives and supervisors, who all say because the impound increase did not get paid in a timely manner ( although they never advised me as such ), they would NOT remove the " late payment '' report - even though they were made aware that it took my credit from " excellent '' to " poor '' overnight. They have made it clear they are prepared to cause me financial hardship for the next 7 years. 
If I were indeed the type of person to miss payments and had a history of such, I could understand Freedom Mortgage 's insistence in trashing my credit. Instead they are exhibiting cold and callous behavior to one of their customers. At the very most, this was miscommunication between their representatives and myself. Absolutely no reason for them to crucify a customer.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
Dear Al-Financial Collection Manager : This letter is in response to your credit report entry related to the debt referenced above. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I did a pay for delete for the full outstanding amount through XXXX XXXX third party however your debt as AL-Financial still appears on XXXX credit report. I would like to please kindly ask that you fully remove. 


Ive worked very hard to get that amount paid off and be responsible and did so with the intention that it would remove AL-Financial as well but it was not. I have changed my financial circumstances and would ask that you understand to proceed with a goodwill adjustment. At the time of purchasing this vehicle my father took the responsibility to pay for it but he battled XXXX and ending up passing. So as he was sick I was unable to be responsible enough to cover. Please take this as a coachable moment and learning lesson. I am preparing to look into purchasing property and would like to kindly ask this item be removed from my credit report as it was fully paid in a pay for delete arrangement, it was just unclear whether the pay for delete would be with AL-Financial. The collector is now permanently closed so AL-Financial is the only point of contact. Please remove this collection completely from my XXXX. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 


Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation