vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
I have repeatedly written to Experian about concerns I still have with their " investigations ''. For at least 9 months I have disputed an address which I have no connection with. Yet it remains. For the same amount of time I have disputed the derogatory remarks they have listed from the Credit Card companies and XXXX. In the case of XXXX I have sent Experian documentation that the information they have on my Credit Report is incorrect. XXXX states on my Experian report that I paid a bill while in collection. I sent Experian proof of the Final Bill and proof of my payment when I switched to XXXX. I also sent them documentation that the amount XXXX alleged I owed when I came out of Bankruptcy was paid by XX/XX/2019. I came out of Bankruptcy XXXX, 2019. Yet Experian continues to report that I was in collection XXXX and XXXX. Also had Experian done any " investigation '' they would have seen that XXXX never sent me a Validation Notice. According to the FDCPA a Collection Agency has to notify in writing when an account has been entered into collection. I was never notified by XXXX or any of their representatives of any Collection Activity. Yet Experian continues to report this inaccurate information as accurate. It appears that although Experian requests documentation no one actually looks at it or actually investigates the claim that is made by the consumer ( more than one person has had the same experience with Experian ). I sent the XXXX documentation twice and sent documentation on XXXX and XXXX once.

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 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prizm Financial Company, LLC
State: GA

Complaint narrative:
I received a letter regarding a debt I DO NOT owe. Letter lists a few financial institutions that I don't even have a credit card with!!! It appears that since I don't respond to the fraudulent credit consolidation letters, this is the new tactic. Please note that I am current with all of my legitimate creditors!!! My record keeping is also intact!!! Hopefully, this will help to prevent others from being victimized from potential scammers!!! This is not how debt consolidation works. I am sending the letter back to the address indicated with a note stating that a copy of this letter will be forwarded to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened up a XXXX  checking account ( Account : XXXX ) last year. The bank said if I maintain {$20000.00} minimum deposit there will be no fees. For XXXX, there was no fees and from XXXX the bank started withdrawing {$40.00} per month without notification to the customer. 

I signed up for E-Statements and my Inbox also has no notification. Below is what the disclosure I got from bank when I opened my account... .You can see below it says {$20000.00} minimum. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 To be eligible for the {$750.00} cash bonus, business customer must open a new Huntington Unlimited Plus XXXX  Checking, XXXX  Analyzed Checking, or XXXX Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within sixty ( 60 ) days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing business CDs ). Person to Person payments ( such as XXXX ) are not considered a deposit for this offer. Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. Bonus will be reported on IRS Form 1099-INT for the year in which you receive your bonus. Cash bonus does not count toward the deposit requirement. All new accounts subject to account opening approval and account conversions are not eligible. Offer not available in combination with any other offer. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. XXXXublic Fund/Government Banking dollars and Brokers are not eligible for this offer. The bonus will be deposited into your new business checking account within 14 days of meeting the above requirements. Your XXXX  checking account must remain in open status to receive the bonus. Existing XXXX  checking customers, including those with XXXX  checking accounts closed within the last six months, are not eligible for the cash bonus offer. Bank reserves the right to limit an individual XXXX XXXX with XXXX XXXX to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
This is a complaint against timeshare XXXX / XXXX XXXX XXXX XXXX XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-09-28 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I recieved a payment from a friend for lunch About three hours later I recieved a notice that " Your Venmo account has been frozen due to recent activity that triggered some security alerts. '' At the same time as the notice I recieved the following message from Venmo, " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. If you have any further questions, please reply to this email. '' I then asked what the issue was about and if it could be remedied. I recieved the following message " Thanks for following up. I can understand your desire for specific details that lead to this decision but in order to keep our systems safe, we do not provide that information. 

We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. 

I apologize that we're no longer able to serve you and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs. '' I am left both confused and distraught over the closing of the account. Venmo asked me to remove any and all references to Venmo from your website and social media accounts but I never posted about venmo online or used it on any website. At the time I logged into Venmo I was traveling in XXXX for a week on vacation but nothing in the user agreement prohibits me from opening the app while traveling. Furthermore, I read the user agreement and can find nothing I did that violates the terms. 

Venmo says that my actions or activity are in violation of the user agreement. Venmo refuses to tell me what actions or actives I did that are in violation. As suggested by venmo, I read the user agreement. I can not find any actions or violations which i have committed. I would appear some sort of mistake has been made. 

I am asking for the CFPB to intercede and restore my account. 

I appreciate your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
I have been trying to get an address removed from my credit report. In a previous complaint with the CFPB against Experian they stated : " We store information as it is provided to us by your credit grantors or from information contained in public records. One or more sources of information reported the information you questioned and it is a part of your credit history. '' Experian is stating that even though I sent them a " XXXX '' which is a sworn statement that can be held up in Federal Court and I am proclaiming this is not my address they are still not removing the address. 

Furthermore, I did not " question '' the address I " stated '' it is not mine. Consequently, they are actually taking STORED information which means old and/or erroneous information and using it against me, which is against the FCRA. I would like for Experian to provide me the sources that are providing this information. 

I am also attaching a Police Report that was filed that was per their suggestion and see how they will now respond to their own request.

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 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XXXX college was frauded. Ive not attended college here since 2011. Send validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, I have filed several disputes and made several phone calls to Equifax and XXXX Now about an account that is still reporting on my Equifax report and should not because it was discharged in my chapter XXXX bankruptcy as of XX/XX/2019. I spoke with XXXX Now several times, latest time today and have just gotten transferred around from agent to agent with no resolve, ultimately ending in not speaking to the correct department / person about the matter. I have spoken with them prior to today and they've advised that they have reported the bankruptcy to the XXXX bureaus. Today, I also spoke with Equifax again for the 3 or 4th time regarding this account and they advised that they have not received any notice from XXXX Now to update this account. I have checked the other 2 major bureaus XXXX and XXXX and they have both updated this account accordingly. As a result of this issue, I was denied a car loan today by my credit union. At this point I really need you to help me get this rectified because between the two of these companies, I'm getting no resolve. The representative at Equifax actually told me I didn't have any common sense today. I am very displeased and stressed about this. I really need a car to get back and forth to work. The one i have now is barely hanging on mechanically. This could end up costing me my job. Please help me. The account information is listed below : XXXX Now {$1700.00} XXXX on my equifax report. 
The very same account was properly addressed on my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX was stolen from me in XX/XX/2020 used on 3 atms gas stations a bar it was 9 transactions that wells fargo didnt place a hola atext a call wondering if it was me or not, i tried to resolve issue with them stating it wasnt me i had lost my card and noticed in the XXXX called right away representative reassured me " dont worry i see all these transactions in the matter of 2-3 hours youll get your money back " so fraud department had to do investigation which i was fine with and stated since the person used my pin they couldnt help me, i stated what are you talking about arent i insured?? so therefore they told me i had to go to police and do a report which i did and have and called them with the report number, the man who took my report and gave the transactions to stated the bank should give me back money knowing how much fraud is going on ..im still awaiting on bank and am still behind in my rent due to banks error!!! shame on you WELLS FARGO ffor making me endure this over a year,

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 2021-09-28 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: SC

Complaint narrative:
XX/XX/XXXX Chime suspended my account they requested documentation all documentations have been provided to them attorney even reached out to them they failed to unsuspended account or provide me a refund for the funds that are in the account spoke to mini supervisor who keeps leading me in the same direction of sending email sending emails to Chime have very little communication just keep being so itll be resolved in 48 hours but over a week has passed my account is still locked I advise them that this situation is making me become homeless I have a hardship I receive a email back telling me if I keep emailing them it will delay the fact of them working on the account and they do have all documentation as that was required

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I reached out to Indigo on several occasions regarding this fraudulent inquiry. And every representative that I'd spoke to made it very clear that this a serious matter and that it would be taken care of. And it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is in regards to vehicle titled under CarMax Auto Finance under VIN # XXXX. CarMax Auto Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in CarMax Auto FINANCE automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. CarMax Auto Finance are now breaking the law and could be held criminally and civilly liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to CarMax Auto Finance 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: DE

Complaint narrative:
Frontline Asset Strategies is trying to collect a debt in the amount of {$1000.00} from me from XXXX XXXX. I received this letter today. I don't know what this is for, I was never contacted about this before, I never owed anything, never had a judgment. I can only assume this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My XXXX Credit Report is reporting multiple fraudulent inquiries. 
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 non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Around XX/XX/2020, I called XXXX XXXX XXXX XXXXXXXX to have service in my service and they were supposed to ship me an equipment. However the equipment took so long and i cancelled the service. 
The equipment still arrived and once i received their equipment, i called them and asked them how to return the equipment and XXXX XXXX XXXX told me to return it at any XXXX store. So I went and return the equipment. 
I NEVER CALLED XXXX XXXX XXXX to activate their equipment and I HAVE USED XXXX XXXX XXXX XXXX XXXX for any places I have been. 
So I was surprised that XXXX XXXX XXXX send my information for collection debt to an agency called SUNRISE CREDIT SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I called that agency and told them I have never had any type of business service with XXXX XXXX XXXX XXXX  but since they are a collector agency, the only thing they want is to wrongfully collect your money unfairly.

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 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: LA

Complaint narrative:
A correspondence was mailed in regards to a alleged debt of {$80.00}. This company violated multiple laws : Violations : 1. 15 USC 169 2e ( 2a ) was done by reporting a positive amount of alleged debt owed.

2. 15 USC 169 ( 3 ) was done by printing the logo on top of the page.

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