vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: Chime Financial Inc
State: NY

Complaint narrative:
I've Purchased A Business Premium Unlimited Plan From XXXX On XX/XX/XXXX For {$170.00} Which Supposed To Have Included The Automatic Upgrade To Modalyst Start Up Plan Free Of Charge. However, I Was Charged {$37.00} Each Month For The Months XX/XX/XXXX For XXXX, XX/XX/XXXX {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00} And XX/XX/XXXX For {$37.00}. XXXX Was Refunded On XX/XX/XXXX For {$37.00} Which Leaves A Balance Of {$260.00}. However, On XX/XX/XXXX Only 2 Out Of 7 Was Charged Back To A Non Working Card Ending in XXXX. I Was Told By XXXX Representative That They've Only Received The 2 Charge Back Requests From Chime Bank And I've Submitted All Of The Requested Charge Backs On One Submission To Chime And XXXX. I Need Assistance In Escalating My Claim Please. My Report XXXX XXXX XXXX FTC Is # XXXX. My Bank Is Trying To Assist Me In Getting My Refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XXXX I sent Loan Depot my Ca.Fair Plan and XXXX home owner insurance polices to be included in my escrow account which they received .At closing I believed this to be included in my monthly mortgage payment of $ XXXX paying mortgage one month I received bill from Ca Fair Plan for {$1700.00} which I had to pay or it would expire, contacted Loan Depot, no response .I am now stuck paying an extra {$140.00} per month because of Loan Depots incompetence. I believed I should be compensated for there mistake. This seems unethical that I should be stuck paying because of there oversite .They had all documents ( I just checked ) and failed to add to escrow account.Yes there service was very poor throughout whole process but my main problem is I'm paying for their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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:
my information was stolen by some unknown person, and they used it to obtained credit, resulting in many delinquent debt and inquiries to be reported to my credit file. i have been very careful keeping my personal information secured and safe, i am shock to see this happened to me, i have been victimized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i was not told or updated of investigation results.

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I've been disputing this repossession for almost 2 years because the company constantly reports inaccurate information and balances that allegedly owe, posts completely wrong dates and missed payments..Each bureau post completely different information regarding this account. And I also was never given a notice of redemption, or a Notice of deficiency. I've requested Validation and Verification from all 3 credit bureaus via certified mail and all I get is either its been auto verified or no response..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: LEXISNEXIS
State: GA

Complaint narrative:
My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2020. After about 35 days of no response, I sent another letter on XX/XX/2020 stating that I did not receive a response from the agency in regards to the investigation results and would like for them to investigate my account. It is XXXX and I have yet to receive a response. I'm looking to purchase a home and these inaccurate accounts on my credit report are stopping me from being able to achieve my dream house.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Received credit denial letter from Citibank for credit card on XX/XX/XXXX " Unable to verify info on consumer report ''. Same day got a PIN # letter for a card ending in XXXX. Contacted Citibank # that was on the activation PIN letter. Spent hrs trying to get someone in Fraud Dept to assist. Kept getting transferred or hung up on. Asked for my social multiple times bc I didn't have full card #. Never was able to get someone to tell me anything more than it was a checking acct, not a credit card. Then on XX/XX/XXXX, I received the debit card in the mail, with nothing else but an activation #. Then on XX/XX/XXXX, I received checks in the mail with a letter that states before I use the checks, I must fund the account. These are all for a checking account with Citibank. I do not have any open/active accounts with Citi, and I locked all 3 of my bureaus. When I attempt to contact Citi - it wants me to activate the card, which I refuse to do. A friend of mine just received a XXXX debit card with the same exact situation, and numerous co-workers are dealing with unemployment fraud claims. This is highly concerning, because it could have easily gotten into someone else 's hands to activate in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was unable to dispute a item online and Im getting a error message on my Experian credit report I contacted Experian and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed

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 2021-02-03 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:
On XX/XX/2020, ( officially picked up from the Post Office on XX/XX/2020 ) I sent XXXX XXXX XXXX a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX  account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: OK

Complaint narrative:
On XX/XX/2021, I provided the bureaus ( XXXX, Transunion, & XXXX  ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.

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 2021-02-03 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: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/2021, I provided the bureaus ( XXXX, XXXX, & Equifax ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/2021 I was informed that I received a collection call at my job from MrXXXX  XXXX w/ cane & wiener. They left their phone number XXXX. I have not once been contacted by them before, and my employer doesnt allow for me to have personal calls at my job. 

I could lose my job thanks to this. I tried calling them multiple times to ask for them to cease calling my employer as I know my rights. However they have not answered any of my phone calls. 

I have no prior information as to what this collection call is about, but its imperative for this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC systems responded to my complaint with a form that show they know my name and address. This is not a validation, it seems as if someone used my mane and address and obtained a phone and this company is requiring me to pay for it. I have not done any business with this company nor XXXX  and they should not be able to submit information thats false to the credit bureaus.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My husband income was cut by 40 % last XXXX and returned to normal XX/XX/XXXX. He is salaried and worked long hard hours to help his company maintain as a good manager would. He did not qualify for government help as some other can. We quickly depleted our hard earned 3 months worth of savings and are now facing having to dip into our retirement savings. I wrote a letter to Department Store National Bank ( the bank behind Macy 's credit cards ) along with Citibank to ask them to please lower the outrageous interest rates ( 25-28 % ) to help be able to make the monthly payments. They refused. SECOND ISSUE. This last month I needed to pay the bill from two seperate accounts. After I paid half of the min due, I went to pay the rest out of another bank account of mine but it refused to take the payment saying that only one payment can be made per day resulting in a XXXX late fee. THIRD ISSUE. For XX/XX/XXXXpayment I tried to do a forbearance for the month. I had to send an email per Macy 's credit card 's webpage. I did and got turned down. I was charged late fee for paying 1 day late while waiting on their response. 

Seems to me that if Department Store National Bank ( DSNB ) or Citibank would, at the least, lower the outrageous interest rate, consumers like myself would be about pay our dues!

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 2021-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alliant Capital Management LLC
State: KS

Complaint narrative:
In XXXX I got a personal loan from XXXX  XXXX XXXX. The loan was wrote off as bad debt and sold to Alliant Capital Management. I received a call from them yesterday ( for the second time after talking to them a month ago ) from XXXX in reference to account number XXXX. The collection agent informed me that they were going to file criminal charges for fraud towards their company they were collecting for XXXX XXXX XXXX as well as garnish my wages/bank for funds owed. I informed the representative I spoke with his company the month prior and informed I filed Bankruptcy in XXXX and it was discharged in XX/XX/XXXX. I informed XXXX XXXX XXXX was in fact included. I informed the representative that this time they would be hearing from my attorney for pursing the debt after notification. I did contact my attorney and was told he would be sending a cease and desist notification as well as a notice of what could happen if they continue. I have also contacted the XXXX and MO attorney general ( since I work in Missouri, but live in XXXX ) and now you all. I don't want money, but I do want their predatory collection practices looked into and the company fined for threatening with out intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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:
my information was stolen by some unknown person, and they used it to obtained credit, resulting in many delinquent debt and inquiries to be reported to my credit file. i have been very careful keeping my personal information secured and safe, i am shock to see this happened to me, i have been victimized

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 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MNS & Associates LLC
State: TX

Complaint narrative:
Received multiple phone calls and voicemails several days in a row attempting to contact someone I do not know. Voicemails were threatening and harrassing in nature. Contacted the company directly at XXXX to have my number removed as this is not me nor my debt and the female employee was incredibly rude and dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i was not told or updated of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Throughout the entire first month of XXXX I noticed an issue with Chase rearranging my transactions. 

I get paid on Friday, and would notice any transaction that would be deducted from my available balance over the weekend would be rearranged and charged that following Tuesday or Wednesday. They would rearrange certain pending transactions and this would then lead to an overdraft because it looked like the money wasn't in the bank when I made my purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/2020 I have received two transaction from my client in XXXX, XXXX XXXX in the amount of {$470.00} and {$320.00} ( attached ). However the sending XXXX XXXX routed the transactions through its affiliate Bank of America while disguising the international origin of the wire transactions ( violation of the Patriot Act II ) .. What was received on the end was {$50.00} less for both transactions as the XXXX XXXX conveniently disguised any fees charged to both my client and me and the transactions arrived as {$450.00} and {$290.00} respectively without any proper transaction routing and fee listing disclosures. What bank is doing is not only unethical but illegal and it must be stopped as this type of practice also encourages money laundering and complete lack of accountability/transparency. XXXX XXXX and Bank of America refused to answer any questions regarding this transaction.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian : On XX/XX/2021 I began creating an account to freeze my credit report. The website malfunctioned and would not accept my information including my choice of pin despite the fact I entered all correct info. I called them and the phone robot accepted my info, froze my report and gave me a confirmation # ( 8 digits that was read quickly and only once ). They said they would send me my pin to the email address ( which is correct ) assigned to the account. I never got the email ( XX/XX/2021 ). I have called them and I can not get to a person on the phone. They do not provide access for my problem. They hang up on me. Now my credit report is frozen and I can not access my account ( no pin nor a password ).

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 2021-02-03 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: Colony Brands, Inc.
State: WA

Complaint narrative:
A hard inquiry appears on my XXXX report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.

Company response to consumer: Closed with explanation