vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Trust Management LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXXI have informed debt management collection company that this is an identity theft issue and I am not sure who has taken my identity and to remove any information such as family members phone numbers until this matter is investigated and they are harassing me and my family members by calling multiple times a day and leaving messages with my family members and they are not aware of what is going on.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX, EQUIFAX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion,XX/XX/XXXX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My coworkers XXXX account was hacked and I got a message asking to send money. My coworkers name is XXXX. She said she has reached her daily spending limit but needs to urgently send money to XXXX XXXX. She asked me to send it to her directly and she'll pay me back the next day. Since I see her everyday I didn't think anything about it. She sent me XXXXXXXX XXXX XXXX account ( XXXX ). As soon as I sent the money, my XXXX, XXXX and XXXX got hacked. I never recovered my XXXX and had to completely deactivate it. I have had to change my passwords for everything, change phone and bank account numbers. I have filed a police complaint and my bank has identified XXXX as a Chase customer and yet Chase won't help. My friend confirmed the next day that her XXXX was hacked and she never sent the message as she was never able to get into her XXXX. 4 of her friends got scammed. This person went after my friends on my XXXX account as well. Please help. My bank advised me to call Chase and ask them for help since I've filed a police complaint. However, when I called Chase, they won't even listen to me. They said they need to protect their consumer 's interests and won't deal with me at all. I got scammed Monday night, XX/XX/21. I sent a total of {$440.00} to this person who hacked into my friend 's account. I even called XXXX and reported this. They said they would deactivate this person and report this to the bank and credit bereau but hours later I was still getting messages from my friend that this person was impersonating her and messaging her friends asking for money using the same name and account so I was obviously lied to. Chase won't even give me my money back. When I called Chase, I also came to know of an account that I never created with them. Please help me get my money back. The police case number is XXXX. 

With many thanks, XXXX XXXX

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I WROTE IN A DISPUTE TO UP DATE MY FILE XX/XX/2020 DUE TO LATE PAYMENT I WAS UNAWARE I ASK THEM TO REMOVE IT THEY SRNT NO PROOF OF IT AND REFUSE TO REMOVE LATE PAYMENT ....

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: Closing your account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX XXXX my account was closed with Chime with XXXX balance remaining in my saving account due to suspicious activities they say I have sent copy of my social security card birth certificate copy of my identification and proof of my income still havent received my money back I been trying to get my money back still havent received nothing so I am turning to you for help this issue resolved and get my money back

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to open a credit card through XXXX XXXX XXXX and all four times they have told me my social security doesnt match what Experian credit bureau has on file. I tried last XXXX and recently in XXXX to open a secure credit card but couldnt because of the social security card issue. I just need to update my information but I cant get a hold of anyone at Experian credit bureau.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XX/XX/XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX XXXX Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XX/XX/XXXXrescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX XXXX email ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Care Team & XXXX XXXX XXXX Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX XXXX email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX XXXX XXXX see File 1 - personal letters pages 1,2 and XX/XX/XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from Equifax and XX/XX/XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter XXXX XXXX XXXX XXXX Credit, XXXX XXXX XXXX* ( see File 1 ... ) ** 1 XX/XX/XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX XXXX Financial Director ) and XXXX XXXX Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Compliance Manager ) and XX/XX/XXXX ( Compliance Coordinator ) of XXXX Credit

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX Visa / XX/XX/XXXX reported to Transunion that a payment from XX/XX/XXXX was reported late. This is inaccurate information. A payment from XX/XX/XXXX was never late.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
I WROTE A DISPUTE SAYING THE ACCOUNT WAS UNVERIFIED HELVEY AND ASSOCIATES XXXX AND XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
CREIT MANAGEMEN XXXX NOT MY ACCOUNT I SENT DISPUTE THEY DENIED MY DISPUTE SEVAL TIMES

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX-XXXX  of XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX ( Sales Manager ) and XXXX XXXX, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX XXXX  inquiry and 1 letter from XXXX XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX XXXX  ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute XXXX XXXX Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX XXXX credit reports from XXXX  and XXXX XXXX  ** ( see File 1 - personal letters pages XXXX, XXXX 's letter and XXXX letter ) XXXX XXXX XXXX XXXX, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX XXXX ( special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XX/XX/2020 I received an email stating that USAA was revoking all business with me. On XX/XX/2020, my account would be closed and all funds would be held until that date. I have fought tirelessly for my money. I was told by XXXX XXXX that it could not be closed early but a check request would be issued regarding the stimulus funds.In other words, I would have to wait until XXXX XXXX. Well it is XXXX and the account is still open and now I am being told that it is because money of another fraud case or something. I don't have a fraud case open. I don't know what type of mess they are making up. I have been sent over 5 letters stating that the account would be closed on XXXX XXXX. I even have one document stating XXXX XXXX. I don't care what the issue is USAA has -- -- -I just need my money ASAP. When I called about it tonight, the rep said the fraud department would call me back in 2 days. I don't have two days, especially when there was a letter sent to me stating that I had to wait until XXXX XXXX. I want my money.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please remove accounts which are not mine and never belong to my transactions.

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: FL

Complaint narrative:
please remove accounts which are not mine and never belong to my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XXXX, XXXX, XXXX agent in XXXX asked that we make a payment of {$5000.00} to XXXX  XXXX XXXX XXXX XXXX account XXXX. Citi bank XXXX XXXX XXXX NY XXXX. 
The company addreess is XXXX XXXX XXXX, XXXX New Jersey. This amount was paid from a XXXX XXXX through online wire transfer from joint account number XXXX and duly charged from and confirmed XXXX TRN XXXX RFB # XXXX. 
After paying, the recipient claimed that the omission of XXXX from the information would make the payment invalid, AND HE WENT FURIOUS AND ASKED US that unless we sent our IDs he would not make a return to sender request therefore wrote that we should RECALL The MONEY AND HE DOES NOT WANT ANY COMMUNICATION BETWEEN US after we refused to to send the IDS He, therefore, started to abuse us. XXXX XXXX was informed and after 6 months in XX/XX/2020, we were told that CITIBANK REFUSED TO REPLY A CLAIM FOR return of the money and urged to contact CITI BANK. We did but no reply as attached. The recipient Company insisted that no payment was made into the account and therefore it is still in CITI BANK as a suspense account

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MT

Complaint narrative:
I have paid this dept. I think at the time this company went through management changes and my dept somehow was overlooked. 
I talked to management several times trying to make this right but it seemed like they were not interested in looking deeper into the matter. 
Its a shame they ruin my credit over their own fault. I pay my depts, you can look at my credit history. I Will Not Pay A Dept I DO NOT OWE! This has been ongoing now 8 years.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The furnisher 's name on the collection account is missing and Equifax continues to claim that the information is correct. This information is not reporting correctly and is not in accordance with the FCRA. I have sent several letters and they continue to claim is correct. I am attaching a copy of the account. 


Name of Company : Shows up as ( Original Creditor : ) Account Number: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 — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
On Sunday XX/XX/2021, somebody signed into my online Chime Bank account. I am not sure if they signed in through a mobile device, or a computer. I received an email saying Chime had added another bank account 'Simple ', which I did not recognize. So I tried to sign into my account through my phone. Strangely, I was prompted to input my login information, even though I had previously saved my login information. 

I looked at my activity, and saw that the hacker transferred {$11000.00} from my savings directly to my checking ( both accounts in Chime ), and proceeded to transfer {$2000.00} to a XXXX XXXX then almost immediately after {$9000.00} to the Simple bank account. 

This was all very strange, because I am always notified when a new device signs into Chime via email. However upon looking at my email history, I did not see any notification emails regarding a new device signing in. All new device sign in notification emails came from my devices. 

I contacted Chime immediately. They said they would open a case, but could not immediately refund my money. I would greatly appreciate if you could look into this matter, and get me my {$11000.00} back as soon as possible.

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: U.S. BANCORP
State: IA

Complaint narrative:
I wasin a natural disaster distroying everything i owned and they are still sending me bills and dropping my credit with this information.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I wasin a natural disaster distroying everything i owned and they are still sending me bills and dropping my credit with this information.

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 — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have to file a complaint with Equifax, XXXX and XXXX. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All 3 agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. 

Thank you.

Company response to consumer: Closed with explanation