vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX has a history of extending credit to an identity thief. I have always had an active and current account. ( XXXX was closed with all equipment turned in and paid in full on or about XXXX of 2020. ( the above account is accurate and the only account that belong s to me ) ( All other accounts are fraud. ) One such fraudulent account was sold by XXXX to waypoint resource group. I have reached out to both XXXX, and Resource Group with proof that I had a valid account at the time and the account XXXX and waypoint were collecting for is not mine. Obviously identity theft. Again XXXX has a history of issuing credit using my name and social while I have a valid account. Obviously someone fraudulently living at another address or address I no longer occupied. Ultimately having one open correct account and one open fraudulent account. The total balance for this particular fraudulent account {$570.00} waypoints account number XXXX. I do not know the XXXX account number they are trying to collect on. As stated, it is not the valid account listed above. If they bothered to look, the address are different bet it is for a state I am not living in as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2021 I filed an dispute with Chime Bank ( Claim # XXXX ) about an unauthorized charge that was done with my Checking account for {$3300.00} from XXXX XXXX XXXX. I had a total of {$820.00} in my checking account when this took place and over {$2300.00} in my savings account when this took place. This unauthorized purchase but my checking account in - {$2500.00} dollars balance so I was unable to pay any of my bills, ( rent, car note, utilities, cell phone, etc ). Not only was I Not awarded a procredit during the entire investigation, but I wasn't giving an answer of determination until XX/XX/2021, I wasn't explain why my claim was denied, I had no assist to the money in my savings account, and after emailing and calling numerous of times when giving the denial verdict on XX/XX/2021 i received an email stating ym account would be closed in 10 Days. So i called Customer service and asked why would my account be closed and they insured me it was an mistake and it wouldn't be closed, then in 10 Days my accounts was closed. I no longer have assist to it and I never received or know what happen to the money in my savings account. This was the worst experience i ever had with a bank and was handled very unprofessional. I got behind on all of bills and was almost evicted out of apartment due to Banking with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Following financial institutions failure to access my ChexSystems report ( receiving a Third-Party Freeze Alert along with the QualiFile Score of XXXX and reason code XXXX ), I contacted ChexSystems over the phone in in XX/XX/XXXX. ChexSystems agent asserted that 1 ) given that there is no security freeze on my consumer file ChexSystems will provide my report if a financial institution requests it, 2 ) third parties information are not used and can not result in ChexSystems ' failure to generate report. 
In contrast with both of the above assertions, ChexSystems responded to a prior CFPB complaint ( XXXX ) asserting that they refused to generate a report requested by a financial institution ( XXXX XXXX ) although there was no security freeze on my ChexSystems consumer file. Furthermore, ChexSystems admitted that their refusal to provide the report was due to a freeze on my consumer profile at XXXX which is a separate and different consumer reporting agency ( a third party ). 
Not having XXXX information on file can not be a valid reason for refusing to generate a ChexSystems report. ChexSystems is expected to generate a report to reflect the information that they HAVE about a consumer. If ChexSystems does DOES NOT HAVE some information ( such as XXXX information ), they must simply produce a report without that information ( instead of refusing to generate a report at all ). 
For all future inquiries, I request ChexSystems to generate my report with whatever information they have on file at the time of financial institution inquiry. As soon as ChexSystems is ready and able to generate my report as requested, I would like them to contact ( email : XXXX, phone : XXXX ) and inform me so that I let the XXXX XXXX ( and potentially other financial institutions in future ) know that they can access my ChexSystems report upon inquiry. Finally, I request ChexSystems to merge and reduce all inquiries from XXXX XXXX into one inquiry, because the only reason that XXXX XXXX made multiple inquiries to open a checking account, was ChexSystems refusal to provide the report upon the Banks first inquiry.

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 2021-06-17 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
NAVIENT Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

NAVIENT - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was the victim of identity theft. The original company, XXXX XXXX, was removed from my credit report. Portfolio Recovery apparently purchased this fraudulent account and is reporting it on my credit bureau reports. I am a XXXX XXXX XXXX veteran and Portfolio Recovery is trying to extort money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I do have a paypal account but I never applied for a credit card or anything else to do with paypal. 

I would like them both removed. So how do I get them removed?

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2021 XXXX I walked over to wells Fargo as instructed by the representative that answered the phone. The direct branch was called XXXX. My good friend had a XXXX  XXXX and is in the hospital. My friend Mr. XXXX XXXX wrote a check to me. The representative that answered told Mr. XXXX that I can come to the bank with two forms of ID and debit card. I have now been sitting here over an hour. Whom Mr. XXXX spoke with will not speak up as the person whom he talked to. I have him on standby and then had him call the bank. The check is for {$2500.00} to me I brought my ids and Mr. XXXX called but they are not cashing it They ate not even addressing me. I am an upstanding XXXX XXXX. I am being treated like a criminal. I don't like the looks I m getting and nothing is being done. I am tiny, blonde, I have XXXX XXXX  and I feel like I am being judged. As I sit here no one is addressing me we are going on 2 hours. The check is made out to me I have ID. The check is real and not fraud. I feel this is being done because of how I look. 
I sat there fir three hours and in the end treated like a criminal. That check was 1000 % authentic. I had my IDs. The Manager came out to me in lobby after sitting there for almost 3 hours not being addressed at all. I can hear the comments and whispers yet not one employee has addressed me. The Bank XXXX comes out with check in her hand. She says to me. " I know for a fact that this check is fraudulent. You are trying to commit a fraudulent act in my bank. I am not honoring this check and we will not cash it. Then she flung the check in my face. I told her that the man who wrote the check is across the street in the hospital. I told her he needs to have some cash and was supposed to buy him some clothes. The Manager then again said the check is fraud we will not honor the check. I grabbed the check and told her the check was legit and I will be back. There were people in the bank and employee 's. I felt embarrassed I felt that I was being judged and I was treated like a criminal and I am not. 
The man who wrote the check who was in the hospital from having a XXXX and XXXX XXXX XXXX XXXX XXXX. He writes with right hand which means he cant write. I explained this to the Bank manager. The man Mr. XXXX XXXX called the bank to tell her to honor the check. She informed him that she can not cash a check without proper ID 's. I brought proper IDs. I was on the level. I was not committing. A crime and was not treated respectfully. I was discriminated and character was ( defamation ).

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 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I dont Know About The Inquiries 
Like.XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
Can You Please Delete It 
This one Is ID Victim

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 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
I received three letters today, XX/XX/2021 from TRS RecoveryServices stating I owe money to XXXX and XXXX XXXX. I received a set of second notices on XX/XX/2021. I called my bank immediately after receiving the first notices because I thought it was a scam. I don't have credit cards with either of these services. I looked up each charge in my bank account and couldn't find any records of them. I am also currently an employee of XXXX XXXX ( a bookkeeper ). My bank researched one of the charges and couldn't find it in my bank record. After telling them about the notices, my bank advised me to ignore them and get a copy of my credit report. 

I called each companies credit service phone number and looked to see if there were accounts with my Social Security number and the result was zero! I have no credit accounts with either of them under my Social Security number. 

I am wondering if this is a case of identity theft or a clerical error. I certainly want an explanation as to why TRS is coming after me. I looked them up and checked the address on the notices on XXXX. Seems they're legit. Honestly, I am afraid to dispute the charges with them because they want me to report my Social Security number and bank account number on a form. Seems they're setting up a trap for me that will cause me a lot more grief than I'm already getting.

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 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a text saying that the phone number I linked to my Gemini account has been removed. After seeing this I attempted logging in to fix that and I was unable to do so. I tried getting in touch with a Gemini representative of some sort and was not able to. On XX/XX/XXXX XXXX dollars was withdrawn from my bank account and I am frantically trying to get that fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I am the executor of an estate and the POD/Beneficiary of an IRA CD at Valley Bank and 11 months ago dropped off a death certificate and Surrogate certificate. Several months later I again showed the same paperwork at bank. Five weeks ago a responded to a branch to transfer the funds to another institution in my name and was told that they were not aware the owner of the account had passed. For a third time, I provided the paperwork showing he had passed and was told in four weeks I would receive paperwork. Five weeks have passed and I contacted branch who called IRA department and said it will be 2-3 weeks more before I receive any paperwork. The branch representative was not sure how things would proceed and informed me that the IRA department who is their " back office '' handles these matters. I requested to speak directly with them and was told they do not speak to customers but I can try the main Valley Bank number. I stayed on hold for close to two hours with no response. Again, I reached out to Valley Bank and put my representative from XXXX XXXX where I would like to move the funds on the phone with Valley staff. The situation still could not be resolved as the Valley Bank teller/banker could not provide a professional courtesy and allow the XXXX XXXX representative speak to someone who had knowledge of what to do. Valley Bank rep. told XXXX XXXX to call the same number I had and that she would be waiting a couple of hours if she did get through to someone. Situation still not resolved.

Company response to consumer: Closed with explanation