vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: LA

Complaint narrative:
CHIME I spent {$16.00} at the gas station today at around XXXX CST ( the same gas station I use 2-3x per week, and the same method of pymt ) and now I have a {$75.00} hold on my Chime account and have no way of recovering my funds. Chime customer service makes you hold the line for almost an hour ( same amount of time when trying to use the chat feature ) just to tell you a memorized statement claiming that they are aware of the issue. There are posts all over the internet and also customers are complaining to chime from their XXXX account and nothing has been accomplished. People are not able to use their Chime cards even with funds showing available. Some can't use the ATM, some are missing deposits, and some are complaining about a large amount of customers ' money being withheld after getting gas. I need my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: HI

Complaint narrative:
These inquiries are fraudulent and I need them reomoved. I will attach my Identification card, Social Security Card, and Identity Theft Affidavit

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hereby I XXXX XXXX XXXX XXXX, I am writing to this bank and the fraud department to issue a claim or to reopen the following claims : ID : XXXX ID : XXXX ID : XXXX said claims were opened for fraud committed With my debit card which my wallet was lost and then it appeared after that incident, the crimes on my account were committed, please, I need you to investigate and help me with the claims since I lost my money from my gutter and I had no other More than that the claims were closed, I need help to get my money back.

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 2021-10-17 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: TX

Complaint narrative:
Hello, I am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs with my notarized identity theft affidavit. 

I have never authorized or entered a consumer credit transaction with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed 59 late payments on XX/XX/XXXX XXXX and transunion ended my dispute against XXXX stating that XXXX verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from XXXX and transunion stating that isnt the case thay XXXX  verified the debt as correct and put the late payments back on I believe XXXX is in the middle of a cover up I would like to file a complaint against XXXX XXXX and transunion for breaking the law and putting fraudulent information on my credit I would like a full investigation

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 2021-10-17 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: FL

Complaint narrative:
XXXX has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed XXXX late payments on XX/XX/XXXX Equifax and XXXX ended my dispute against XXXX stating that XXXX verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from Equifax and XXXX stating that isnt the case thay XXXX  verified the debt as correct and put the late payments back on I believe XXXX is in the middle of a cover up I would like to file a complaint against XXXX Equifax and XXXX for breaking the law and putting fraudulent information on my credit I would like a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I found fraudulent charges on my SunTrust account, I reviewed the listed charges and found fraudulent charges for multiple XXXX Trips. 
In the attachment titled " XXXX at XXXX XXXX, '' I have a screenshot of my most recent bank account transactions from XXXX. I searched XXXX in my transactions and took a screenshot of the most recent ones. I can confirm the transactions from XXXX XXXX for XXXX ( XXXX transactions total ) are all fraudulent. This page also contains an XXXX transaction from XX/XX/XXXX, but this is not fraudulent. 
The second attachment is called " XXXX at XXXX XXXX  '' and it is a screenshot of my own XXXX account. It presents a list of all of my trips with XXXX. Comparing the two documents there are obvious discrepancies. After logging into my XXXX account and reviewing my XXXX Trip History, I noticed the only transaction from my bank account on my XXXX Trips History was on XX/XX/2021. I want to make it clear that these photos have not been edited. There is also no option to delete my XXXX trips from my account history. Further, I would be willing to confirm all of the above in a legally binding affidavit, if necessary, in pursuing this claim. 
In conclusion, the fraudulent transactions are from XXXX on XX/XX/XXXX ( 1 transaction ), XX/XX/XXXX ( 2 transactions ), and XX/XX/XXXX ( 2 transactions ). These do not appear in my XXXX account history. The fraudulent charges total to {$280.00}. To prove my XXXX account has my SunTrust card connected to it, it is evident the XXXX transaction on XX/XX/XXXX in my bank account appears on my XXXX Trip History. 
Given my longstanding relationship with SunTrust, the severity of the fraud I experienced, and the extent of the efforts I have made to substantiate its occurrence, I wanted to see this matter resolved promptly and my money reimbursed. However, Suntrust rejected my appeal to their initial decision and were unable to reimburse me of the fraudulent charges.

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited my unemployment back pay check into my bank account. It was immediately placed on an extended hold because of the amount which which was understandable, and the XXXX the check was to be made available. Im attempting to fulfill my financial obligations and request a wire transfer, this is completed and I go about my business with no issues. I call in to verify the wire because for some reason when it comes to wires XXXX  seems to lose verification information and to clarify this means when Im supposed to give my additional information to verify my transfer Ill have multiple calls from reps asking me to verify my documents as if Ive never sent them to begin with. Im making several calls to discover to not only alert them that Im making payments but I also had a lengthy call about increase my spending limit. This is all COMPLETED, and I proceed to send money when I receive a text while on the phone with discover that my account is being frozen for fraud and suspicious behavior. I call immediately and am told the wire and everything else would be locked because my received word that the check was in bad face from the company that sent the check. Makes absolutely no sense and I find myself no funds, no access to funds and a family that is lacking groceries and other necessities because of a severe lack of communication. I upload on the XXXX my drivers license, the teller check receipt. Im told in 2 days Ill receive a word back, every call since has been different information regarding expected times and expectations. Im told the only way they can verify is if they speak to the bank that wrote the check. Hold times are egregiously long, but they cant spend enough time on the phone waiting. My money and my life are on pause because my bank doesnt have the time to spend waiting on extended hold times? Is there some unspoken time limit to assist and why do I find myself begging and pleading for help and anyone to assist. Im polite when Im on the phone, Im understanding, Im Cooperative and I understand that there are security measures but when I have so much at stake is waiting 20 minutes on the phone to much to ask? I have initiated every call from the XXXX to current day and when you hear the automated voice from the banksay theres extended wait times and I have to be on the phone as well to confirm information and Im waiting on the phone as well, is 20 minutes of someone, anyones time to much?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

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 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have tried to contact Synchrony bank multiple times about this debt. I have been unsuccessful in reaching them. I settled on this account and paid the settlement agreement but on my credit report it still shows charged off and debt owed. Does this not update to paid as we had an agreement and I paid? I would like an answer to that and a phone number to be able to reach them without having to wait on hold for 50 minutes and then the call disconnects before I can actually talk to someone. Is there a way this charge off can be removed from my credit report or updated in some way? These are questions i would normally reach the bank directly to speak about, but have been unable to reach 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 2021-10-17 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: TX

Complaint narrative:
Hello, I am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs with my notarized identity theft affidavit. 

I have never authorized or entered a consumer credit transaction with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: HI

Complaint narrative:
These inquiries are fraudulent and I need them reomoved. I will attach my Identification card, Social Security Card, and Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL

Complaint narrative:
somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: NY

Complaint narrative:
I am the complainant of identity theft in this grand larceny case. The newly issued Home Depot credit card that was addressed to me never arrived. My first statement arrived in XXXX indicating the unauthorized charges. There were three transactions on XX/XX/XXXX, amount of {$300.00}, {$380.00}, {$370.00} was made at ( store # XXXX ) XXXX Depot in XXXX XXXX XXXX, New York. I immediately contacted and reported the fraud charges to Home Depot Credit Card Services ( issued by citibank ) in the final weeks of XXXX. 

In XXXX I received a letter from Home Depot credit services dated XX/XX/XXXX, acknowledging my fraud claim on my account. They informed me I will not be making payment toward the disputed amount or any interest or fees. They mentioned they will contact me if any information is needed to complete the investigation. Home Depot Credit Card Service did not request anything from me at the time. 

I then received a their letter dated XX/XX/XXXX indicating I was being held responsible due to insufficient information/facts to claim fraud and because the card was read at a chip enabled card reader. It wasnt until I had to dispute their decision that they requested a police report, a dispute letter and picture ID to compare my signature. I also faxed them proof that I was out of the country at the time. 

Home Depot credit card services did not advise me in how to proceed when I first reported the fraudulent charges. They also stated in their statement of acknowledgement that if anything else is needed to complete the investigation that they will contact me. They did none of that! It wasnt until I called them after receiving the letter of their completed investigation, is when they wanted more information ; the ID, a letter of dispute and police report.

It is unjust that the investigator of the fraud department cant reach out to the Home Depot store and review the footage of the transactions in question. And the lost and prevention department at the local store can only collaborate with the police to investigate. The police detective assigned is also very occupied with priorities and has not looked into my case. No one is doing their due diligence in this investigation. Surveillance in the local store from the date of incidence can show I wasnt there.

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 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: GA

Complaint narrative:
I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.

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 2021-10-17 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: GA

Complaint narrative:
I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.

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