vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
I mailed EQUIFAX a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Equifax firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that Equifax examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated and delete it. 

1. This is not mine. I strongly believe - account was opened by fraud. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a formal complaint against Synchrony Bank Walmart located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Walmart has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-07-27 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: MS

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: MI

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My husband and I transferred money to an account holder with XXXX XXXX on XX/XX/2021. This money was for a rental that we had inquired about. We later found out that the rental property we had was copied and listed on another website by someone that was acting as the owner. The owner is being impersonated by someone else. 
We transferred XXXX dollars to the other account on XX/XX/2021. 
On XX/XX/2021 I filed a claim with my bank ( Navy Federal ) to return the funds XX/XX/2021 I followed up with them and the bank started the dispute process XX/XX/2021 Navy Federal sent a letter to the other bank I have an email thread of over 100 emails with the person who is impersonating the actual owner. We have yet to hear back from my bank regarding the funds being returned, the other bank has not responded to the dispute. 

This happened because the actual owner of the home had the home listed for rent and someone else had copied the listing and put it on another site, which is where I found the listing and inquired about it. 

I need assistance in getting the funds returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: AZ

Complaint narrative:
I submitted a CLAIM with chime and they are required to give you your money back after 90 days which its going on 100 and they want to keep lying saying they escalated the case or whatever and cant give me my money back until then if your app says a certain amount of days and its in your policy you are required to do so by then not after not when you please because your lazy and dont want to do your job. Ive called over 30 times regarding it and they say the same thing each time the managers are unprofessional and useless because they give you the same information as a entry level person they also lost my taxes or never got the deposit yet Ive had multiple payments sent to that account before and all of a sudden they dont receive anything. The managers dont try to help theyre rude as XXXX and unprofessional as XXXX and keep wanting me to wait 3 business days yet Ive been told that for 2 weeks and still have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
harassing family members, my wife and daughter, on separate phone calls, their private numbers, with lean against our home to obtain personal information. I called to try to discuss and they hung up on me, responding they didn't have to give me information and I obviously wasn't going to pay so they are just going to file a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
I recently mailed Transunion a letter disputing items appearing on my credit report, which they maintain. Transunion response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Transunion response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. Transunion is still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. This account resulted due to identity theft. 
XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This account resulted due to identity theft. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I demand Transunion conclude investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made. 
I'm VICTIM OF IDENTITY THEFT.

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 2021-07-27 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.
State: FL

Complaint narrative:
Ive reached out to XXXX  and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response

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 2021-07-27 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: NV

Complaint narrative:
There are accounts, addresses and inquiries listed on my credit report that are not mine.

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 2021-07-27 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: PA

Complaint narrative:
On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
On XXXX I sent a letter in regards to incorrect and unverifiable things on my credit report. Right up 'til the present time more than 60 days after the fact I have not gotten a response yet, I feel as if I'm being exploited and that my questions are being avoided. I demand these accounts be deleted immediately or I will file for litigation as a result of the XXXX  you have caused me. My data was additionally affected by the Equifax data breach and It's possible that the incorrect person got their hands on it. Please Help to resolve the matter. Sadly this is going on 4 months, please resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
I was contacted by a company phone number XXXX with a return call number of XXXX they left a voicemail stating its a legal matter and will be going to my last known address and place of employment. I called the number back and got a voicemail that didnt seem legitimate. I left my name and phone number and got a call back from a man saying he represented ace cash express and that I owed {$420.00} from a loan in 2019. He had my bank information the last four of my social and my birthday. He said ace was going to sue me for {$1200.00}. I told him I did not have a loan with them and any loans I previously had, had already been paid. He told me he would contact ace and see how they wanted to proceed. I called ace cash express customer service collection line who informed me that I did not owe anything at all and that this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have an auto loan through Wells Fargo. The payment options they provide are designed to be predatory. I can not schedule a recurring payment for anything larger than the minimum amount, so I am forced to schedule one-time payments. Wells Fargo 's online service only allows me to schedule two one-time payments per day, and only up to six weeks in advance. I just want to pay {$300.00} on my loan every two weeks, but I have been told this is not possible. I have attempted to contact Wells Fargo directly via their customer service email form, which received an unhelpful response, and via phone - their representatives have hung up on me. I haven't missed payments due to this appalling lack of customer service, but that's only because I've been overpaying. This is a deliberate attempt to harm people, and they should not be allowed to continue doing it. Every other loan account I have offers plenty of payment scheduling options, and Wells Fargo needs to be held accountable.

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 2021-07-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was informed by an American Express customer service agent that they report to the credit bureau every 60 days and not every 30 days. I was financially impacted by Covid 19 and was unable to work for several months. My accounts with AMEX were under the Pandemic Protection Plan which has now expired. I asked if my account would be reported as 30 delinquent if payment wasnt made by the due date. I was informed that I would not because AMEX report every 60 days and my score wouldnt be impacted. I received a credit alert from XXXX  saying that AMEX reported XXXX  as 30 delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I bought crypto-currency through PayPal a few months ago. For no reason and without ANY explanation, PayPal discontinued my account. I read through the User Agreements and didn't violate one single word of it. They informed me I have 180 days to withdraw money and transfer it. However, I do not want to sell my cryto investments, but they will not transfer it into another cyrpto wallet. They are forcing me to sell my investments when I do not want to sell right now. It's a violation of my ability to trade on the open market and forcing me into an action with my investment that I personally do not want to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
While on vacation in XXXX I observed fraudulent charges being made on my account from Navy Federal Credit Union. 

One in XXXX for XXXX ( 1300 miles from where I was in XXXX ) one in XXXX XXXX for XXXX ( 1100 miles from XXXX ) and another charge with no location for XXXX. I immediately called navy federal and reported fraud and had the card deactivated. After reviewing my case Navy Federal Credit Union said that because the card was in my possession that the charges were not fraudulent and denied my claim. 

I feel that I took corrective action immediately and that Navy Federal Credit Union is not doing their due diligence in investigating my claim and protecting their clients as they are required to do by law. I would greatly appreciate any help rendered in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 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: NV

Complaint narrative:
There are accounts, addresses and inquiries listed on my credit report that are not mine.

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 2021-07-27 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: NV

Complaint narrative:
There are accounts, addresses and inquiries listed on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Conn's, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Conn 's located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation