vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: AL

Complaint narrative:
We understand we owe money to this company. But we have continually asked them not to call us and even sent a cease & desist letter which I have a copy of asking them not to continually call us ( I have copy of this also ) We would like all correspondence to be in writing from now on. They still are calling in which I have dates and times and voicemails saved. We would like the harrassment to stop and send us what we need in the mail please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
My wife purchased a car from XXXX XXXX in XXXX OH in XXXX. On XX/XX/XXXX she paid the final balance as we were getting ready to trade it in. We made the trade-in on XX/XX/XXXX to XXXX XXXX also in XXXX OH. We explained to them the situation and that we didn't have the title, but that XXXX XXXX XXXX had said the title would be delivered within 10 business days and they said this was acceptable. On XX/XX/XXXX XXXX contacted us for an update on the title. We still hadn't received it so we reached out to XXXX XXXX XXXX for an update. They did not have one except that the title had not been processed. They said all they can do is submit a request for an update via email. We requested 3 more updates from the period XX/XX/XXXX to XX/XX/XXXX and filed two complaints on the matter. Each and every time we have finished with no resolution, no ability to escalate, and no estimated time for resolution. We are told that the only way customer service can engage with the title department is through email, and they have not received a reply. The only other option given was to file a complaint in writing to the customer service department we are dealing with. Attached is proof of payoff for the record.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank, Victorias Secret, sold an apparent debt to XXXX XXXX XXXX. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. 

XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. 

I contacted Comenity Bank to inform them that I never shop at Victorias Secret and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. 

I would like to dispute the charges as it may be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
on XX/XX/2018 i was charged {$1600.00} for ambulance services, i have never been in an ambulance. i tried to clear it with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX to no avail, they refuse to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I had a chime online bank account. I had an issue with a merchant not refunding my money. I filed a dispute with chime about the merchant and closed my account. After several weeks the dispute was found in my favor and I was told I would receive a refund. The problem is I closed my account so chime bank can't credit my account. I tried a multitude of times to email customer service about my account and never heard back from anyone. I figured chime would just send me a check. I then called chime support two different times and after being on hold for over an hour to speak to a live agent I was able to speakb to a customer service agent with chime bank. I was told it could take up to 3 months to refund my money since my account was closed. When I questioned the agent about the time frame they hung up on me. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XX/XX/2020 I was placed in collections by Paramount Recovery Services for {$920.00}. I do not recognize this amount owed nor the companies claiming this debt. My XXXX XXXX report sates that XXXX XXXX XXXX is the original debtor which hired Paramount to collect the unidentifiable charge. I have never received any notifications via mail, email or phone call. Based on XXXX it appears that many false claims have been made by Paramount Recovery Services. it seems to be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX XXXX XXXX. I DON'T RECOGNIZE THIS COMPANY AND I HAVEN'T DONE NAY BUSINESS WITH 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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
My complaint is with Chime Bank. Today I received a notification from Chime that my account has been frozen due to " suspicious activity ''. The suspicious activity was listed as my direct deposit that I have had setup for the past few months. I am paid by my employer every two weeks ( XXXX XXXX ) by direct deposit and have filled out all the forms to initiate direct deposit. 

I called Chime and spoke with them about the issue and let them know the money in my account only comes from direct deposit. They insisted that I prove my identity so I emailed a copy of my drivers license and a home utility bill. 

After several emails back and forth they are still reviewing the transactions on my account as suspicious. Also, about a month ago Chime had a security breach and {$1000.00} was withdrawn from my account through an ATM. I had not lost my card and I don't write down my pin numbers. When this happened, I had received a text message about the withdrawal and I immediately disabled my ATM card through the Chime phone app. I called Chime about 15 minutes after the withdrawal to let them know it was fraudulent. They said I had to wait until the transaction completed before I could file a dispute. I waited about 3 days, the transaction completed, and I filed a complaint. The issue was resolved about a week later and they returned my funds. They said that they would issue a new card and in the meantime I could access my funds by transferring my funds to another institution. I also bank with XXXX XXXX  so I initiated a transfer of about {$2000.00} from Chime to XXXX XXXX. After several emails from Chime, they are also considering this " suspicious activity ''. 

Chime has disabled my account and I am unable to log in through their phone app now. I am unable to log into my account to provide the balance due to the app being disabled. I estimate I had {$4000.00} in my account which is needed to pay my mortgage and support my XXXX children. 

I have already notified Chime that I will be closing my account. Transactions such as Direct Deposit have auditing and tracking. They should be able to see the deposit are legitimate and certainly come from my employer. They had also recommended that I transfer money to an alternate institution which now they label as " suspicious activity ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX , XXXX. and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a statement from Capital One that was a month old. I had already paid my bill online, but called to find out where it had been for a month. I called the number on the back of my card and got a recording of an exuberant girl 's voice offering me a deal with Capital One ( {$100.00} gift card I had been chosen to get from WalMart ) Not interested, I hit XXXX and got a guy in XXXX who said his name was XXXX XXXX, He had a thick, foreign accent. He told me he could not transfer me to customer service until I listened to his read statement. I told him repeatedly to transfer me on ; I was not interested in a {$100.00} gift card for a a {$1.00} a month charge on my credit card. He just talked over me and began on his statement again. When I asked to speak to his supervisor, he told me he did not have one ; he could do what he wanted. He told me I could just hang up. Finally, I hung up, telling him I was filling an FTC report. I called again, and got someone in America named XXXX. He told me the bills had gone out the first week of XXXX and blamed the post office for my month late bill. He never heard of this WalMart gift card offer and put me through to their fraud alert division. This time I go t some one in XXXX who had a pretty good command of English. He claimed his name was XXXX. He never heard of the WalMart offer and seemed not at all concerned about some hacker trying to harvest credit card numbers and addresses. Is my account safe with Capital One? Who are all of these foreigners trying to get me to give them my information so I can get a {$100.00} gift card to WalMart? Why isn't Capital One concerned? I was on the phone to 3 different numbers from XXXX ; XXXX until XXXX ; XXXX Central Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I attempted to get my credit report from XXXX XXXX XXXX and credit karma but was unable to log in to either with my information. An error with the information is what showed on my screen. I seek a way to manually update a persons information and verify themselves with the credit bureaus so that she has access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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:
I HAVE A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX XXXX XXXX. I DON'T RECOGNIZE THIS COMPANY AND I HAVEN'T DONE NAY BUSINESS WITH 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 2021-01-05 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:
THIS COMPANY ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW. 

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from XXXXXX/XX/XXXX and XXXX XXXX stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from XXXXXX/XX/XXXX and XXXX to identify the correspondence. I called XXXXXX/XX/XXXXon XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.

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 2021-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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