vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
On XXXX XXXX my chime checking account and savings account and credit card account got hacked at XXXX I get up for XXXX for work but I got up earlier at XXXX XXXX because I kept getting notifications about my account someone went into my chime account changed my telephone number in my account took all the money I had in my saving account transferring it to my checking to only transfer it to my credit card account and doubt all my money on crypto some company called XXXX XXXX I only found out what the company was called cause I did researched. Then they went back in my checking account and use my overdraft protection on some company called XXXX I immediately called chime and made them aware of the situation I had him freeze my whole chime account until I was able to verify myself. Chime then stated that they couldnt dispute my transactions until they clear so a couple days pass by the transactions cleared my account I call chime to dispute it the put a dispute on both credit card account and checking account the credit card account the said they found a error and gave me my money back the same day I did the dispute for my checking account literally XXXX that afternoon I received a email saying they found no errors occurred when I called the customer service number and spoke with a dispute supervisor he said there was definitely a error occurred and your account was hacked I just looked up the merchant and its a scam and he told me to resubmit my proof all the researching I did and information I had and he would do a rebuttal so they can reopen my dispute claim literally four days later the emailed again saying no error occurred but this is what I dont understand how can they give me the money that was stolen from my credit card account but didnt give me the money that was stolen from my checking account. They found a error on my credit card account but didnt find a error on my checking account Im not understanding. So when contacting chime the guy said that they couldnt help me anymore and they wasnt going to reopen my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: VA

Complaint narrative:
XXXX XXXX agreed to remove all late payments from credit report upon payment of the balance of XXXX on a credit card. Payment was sent to XXXX XXXX in XXXX 2021. XXXX XXXX refuses to update records of payments to reflect no late payments.

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 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My personal email was fraudulently used to open an account with Paypal. 

Since XXXX, I have been receiving email notifications from Paypal to my personal email XXXX with regards to an account with that email. I do not have a paypal account with the email address ; XXXX. I did not open a paypal account with this particular email address. I also receive notifications that a login has occurred in Kansas, US - I am in XXXX XXXX, CA. 

On several occasions, I have attempted to login to paypal with my email ; XXXX since this is my email and I do not want it associated with Paypal. However, the login process prompts me to receive a code to a mobile number I do not recognize. 

I have emailed Paypal at XXXX & XXXX several times since XXXX to attempt a resolution. Paypal has never responded to me. 

Today ( XX/XX/XXXX ) I called Paypal and I was on the phone for 30 minutes with no resolution. A representative initially said Paypal had not received any emails from me to request the account be removed. Then later on the same call, a manager I spoke to said they had the email but I had to send it in a different format. Paypal is making me jump through hoops for an account I did not open. Paypal should be completing its due diligence and have people verify the emails they are attempting to have associated with the paypal account before being allowed to use the email. 

Paypal needs to remove my email address ; XXXX from any accounts in their system immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 non-monetary relief
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/22 I contacted Equifax, XXXX, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/22 I contacted XXXX, XXXX, And Experian Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Back in XXXX 2021, i applied for a new CITI checking account because they sent me an advertisement on my app as i have 2 credit cards with them. I deposited $ XXXX and i was suppose to get {$400.00} bonus in 90 days. It's now been 6 months and no bonus. I called for the last 3 months and they validated that the bonus was coming and that i met all the qualifications. On XX/XX/XXXX i filed a dispute to which they now say i didnt qualify. I am so frustrated with this company.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: NM

Complaint narrative:
On XX/XX/22 I reported fraud on my account. They shut down my debit card and replaced the funds. The fraud case was closed. They have since placed a suspension on my account. I have done everything they have asked me to, but they still refuse to give me access to my account or any updates on when they might grant me access. They will not allow me to speak with any upper management, but tell me to keep calling back to check up on it. Every time I call, they charge me a fee for calling. They are holding roughly {$14000.00} with no end in sight. This is concerning the New Mexico unemployment Eppicard which is owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-25 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: SC

Complaint narrative:
I received an email stating that I had won a watch from XXXX XXXX XXXX and that I only had to pay {$7.00} shipping. The watch was supposed to be free. When I received my credit card statement I was erroneously charged {$64.00}. I submitted a complaint with my credit card company Capital One on XXXX XXXX XXXX was notified by mail on XXXX XXXX that Capital One had sided with the merchant. I called XXXX XXXX XXXX last night Customer Care and they had NO RECORD of me ever ordering or anything ever being mailed to me. I asked them if they would give me the address so I could return the product. I was told since I had NO ACCOUNT with them, they were NOT AUTHORIZED to give me that inflammation. I sent the information to Capital One last night through a secure portal they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 non-monetary relief
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit scores appear to drop significantly by 50 points or more anytime I use a little bit of my available credit. I'm talking about less than 15 % of my available credit. For instance just recently I had a balance reported of {$2400.00} on one of my credit cards to the credit agency and my credit score dropped XXXX points. this is not the first time this has happened. It happened to me about four months ago on the same credit card when I temporarily used half of my credit available on that card for five days and then paid it off. My credit score dropped XXXX points and has never gotten back to anywhere close to where it was before. I pay my bills on time I pay my mortgage even in advance and I keep large balances in my checking and savings account but nothing seems to work with regard to keeping my credit scores up. Now my wife 's credit course never dropped significantly. She's on the same accounts that I'm on and her credit score may change by a point or two but never anywhere close to 10 or 15 points let alone XXXX plus points. The only significant difference between my wife and I is that I am XXXX XXXX and she is XXXX. We have been watching this trend for several years and thought well maybe it's just something going on with the credit agencies but I have tried everything and I'm frustrated with the continued dropping of my credit scores far below where they should be. There doesn't appear to be any system in place to help someone like me. I'm just tired of having to take it and having to pay higher interest rates because my scores are low. I need someone to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Card Checking account was given orders to pay automatically every month on XXXX day {$500.00} towards loan to XXXX XXXX for the car purchased in XXXX. Loan expiration date ( without interest charged ) was XX/XX/XXXX. Last payment on the loan was made on XX/XX/XXXX. At the end of XX/XX/XXXX XXXX mailed us a title deed for the car since the loan had been paid in full. In XXXX after paying the last {$500.00} payment I have cancelled that payee. In XXXX no payment was made but in XXXX suddenly the payee- XXXX XXXX appeared again and the payment was made on XX/XX/XXXX. XXXX returned the payment on XX/XX/XXXX. I called Discover and asked why that payment was made and why the payee - XXXX XXXX was restored. Person who talked to me indicated to me that he would call me on my cellular phone but instead of calling me on that phone he closed the line. I deleted that payee yet again. Then my husband on XX/XX/XXXX received e-mail informing him that our Discover account had Not sufficient funds. When I went to see the account I found out that on XX/XX/XXXX payment was made again to XXXX XXXX which caused the depletion of our funds in that account. The following day funds were returned. Today, XX/XX/XXXX I and my husband called Discover and went through four people : XXXX from XXXX, XXXX from XXXX XXXX XXXX, XXXX from Arizona again and the last lady 's name I did not record. She put me on hold for more than half an hour claiming that my identification was blocked and then fraudulently claimed that it was XXXX XXXX who demanded the restoration of the payment. Title deed was issued on XX/XX/XXXX and copy is attached as well as the last XXXX statement from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2021 I received a solicitation from Bank of America that if I opened a new checking account with them and set up automatic deposits over a given amount of time I would receive a {$300.00} credit to my account. I assume I received this as I was a long term credit card holder with them and they were looking for me to join them with a checking account. I met the qualifications given me but did not receive the credit promised. I called in XXXX and was told that yes I did meet the requirements and should receive the credit in a couple weeks. In XXXX I still had not received the {$300.00} and called again. I was told again that they didn't understand the delay and would see that the problem would be resolved. Still not seeing the credit I called again in XXXX and was told that they could not find such a program offered by them and I would not be entitled to the credit. I checked online and they are still offering the program and when I checked further they did indeed offer it the summer of 2021. I set up my checking account over the internet and do not have any documention that I was opening the account based on the fact that they were offering this promotion but it was the basis of my descision to do so.

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 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with ConsumeXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
I go to bank every week usually have to stand in line 45 minutes why is this happening when 5 clerks working in bank? But only one person at the counter waiting on people I asked why and they said this is their policy this US Bank in XXXX XXXX XXXX Ohio needs customer services training!

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I do not owe any debt to Credit Collection Services and XXXX. I have XXXX whole time and I received collection letter from Credit Collection Services regarding debt to XXXX. This is a fraud. Someone and/or XXXX forgery my signature for application and contract. Forgery and fraud are felonies. I filed police report regarding fraud and forgery with XXXX XXXX, TX police

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: ND

Complaint narrative:
I have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation