vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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: VA

Complaint narrative:
I attempted to file an online dispute but XXXX  have blocked me from disputing inquires and other inaccuracies on my XXXX  online account. My only option was to mail in my dispute which I did. I received an alert today from XXXX  account via email and when I logged into my XXXX account for the result 's from my dispute was not available to me instead the message on my account stated to call customer service or check my report for updates but there's no information on the results on my credit report. I spoke to five representative and I was continuously transfer to multiple representative and even hanged up on. The representative stated they can only read the results to me but can not remove the block on my online account for me to read the results online. I was told that the information was verified but I was deny access to see the result of the investigation for myself. XXXX have blocked me from disputing online inaccuracies on some of my account online. Please assist me in getting the result 's of my dispute investigation. XXXX should be able to determine how i receive the information. Below are the case number for the disputes. Thank you Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX. 


Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX XXXX Mon - Fri : XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I'm trying to temporarily unfreeze my credit report with Equifax. It was very easy to do so with XXXX  and XXXX, but Equifax is not working, and there is no way to contact them. I spent about 30 minutes on the phone, but I could not speak to an operator, their automated phone system will not let you speak to an operator, ... it acknowledged that I wanted to speak to an operator, but made me answer alot of questions first ... then at the end of answering all the questions it said it was unable to connect me to an operator at this time. I followed all of their instructions to speak to an operator -- their system made me enter my phone number, SSN, address, then after that, it made me answer 5 questions about my credit report, which I think I answered correctly. There is absolutely no way for me to speak to anyone. And their website tells me to call them. They have made it literally impossible for me to manage my account or lift my credit freeze. This is a terrible company, absolutely horrible. Apparently I can unfreeze my credit by mailing in a form, so I'm going to try that, but this will take an unknown amount of time, and this is unacceptable since interest rates may change etc. I don't even know if they'll even respond to my mailed-in form. It could take 30 or 60 days or even longer for all I know. And I'm going to permanently unfreeze it, because I know I can't ever temporarily unfreeze it in the future, so they're indirectly making it impossible for me to have a freeze on my account! By the way, I used a PIN in 2019 to temporarily unfreeze my credit report, but now they don't accept the PINs anymore, yet I can't create a new account with their website either! This company is a huge disservice and failure to the public, and to the entire banking industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : INFORMATION SEARCHIN Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$11000.00}, {$8600.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$24000.00} -This is not my account. 

XXXX. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX  A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$8600.00} -This is not my account. 

4. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: OH

Complaint narrative:
NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.

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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXX the natural person received a letter from Jefferson Capital stating that I owed a debt that I have any knowledge of. Looking at the letter from Jefferson Capital I found several violations of my consumer rights and I am very frustrated that they have even went to the extent of putting this debt on my consumer report. I have never done any business with company and I'm furious that this company has my personal information demanding money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Ex-Husband opened this account, and I did not sign any contract or documents condoning my approval as Joint on that card. I was never issued a card, back in XXXX I contacted Chase to have me removed but they said I was responsible for this account. I requested proof of my signature but they never provided it. In XXXX, I sent and spoke with their representative to again be taken off the account. They asked questions that I did not know because I never had a card and my ex-husband had been divorced for 8 years. This account is closed but has a balance that is affecting my credit score and has been. I should not be in this account after providing divorce proof and no cards issued to me even after the divorce. I am stuck with this situation, because I was told it says closed on my report but open on his with a 3K plus balance, I closed the account because I did not want him to charge anything else and it seems they opened it back for him. They should have made him transfer that balance to another card or pay it off. I am not responsible for this spending. This account was open I guess in XXXX and I was on XXXX. Please resolve this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1602g .CARMAX has violated my federally protected consumer rights, knowingly and willingly giving false and inaccurate information as pursuant to 15 usc 1611 ( 1 ) in connection with a consumer credit transaction and the consumer credit transaction application. I am the consumer, the natural person and original creditor it is my right to extend credit as pursuant to 15 usc 1602 ( f ) CARMAX unlawfully again violated my federally protected consumer right .As pursuant to 1605 ( a ) the finance charge does not include charges of a type payable in a comparable cash transaction.And yet CARMAX furnished deceptive forms as pursuant to 15 usc 1692 ( j ) to create a false belief that a person other than me, the natural person the original creditor would be participating in collection of an alleged debt .And presented the forms to me as " finance options '' stating that I the consumer the original creditor needed to make a downpayment, in order to exercise my right and extend credit. CARMAX unlawfully discriminated against me as pursuant to 1691 ( a ) ( 3 ) when I was denied my right to extend credit as pursuant to 1602 ( f ) without a cash down payment. I have sent an affidavit certified mail along with Exhibits and a invoice. I can't believe this type of direct disregard for my federally protected consumer rights has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I have been a citibank Gold Card customer for many years. I now ( since XX/XX/XXXX) live in the XXXX. I should have over $ XXXX between my Checking and Savings accts at Citi , plus two credit cards : Master Card, and Simplicity Card. Credits cards were used mostly for domestic and international travel, and providing the annual renewal fee for the XXXX XXXX for my office and home computers. I am XXXX years old. All my credit card charges were always paid in full within 30 days of billing. 
About XX/XX/XXXX, I was advised by XXXX that they were not able to automatically renew my protection due to " both credit cards being cancelled. I went on line to my " Accounts Page '' and via CHAT Service, was told that : " I ( the chat guy ) will sent you a secret password '' to your USA cell phone number, then you can repeat that secret word back to me, and I can then help you ". I told him that I did not have a USA cell phone number. He said too bad, can't help you. He told me to call a 14 digit phone number. I call there after getting a Long Distance Cell Phone Card Load and was transferred back and forth between two people who would each spent several minutes verifying me, until my load ran out and I was disconnected. 
Today, I again got another special load card and called that number. Again I was transferred without getting any help and was finally told '' cards are cancelled, can not help you. 
I think my money may have stolen. Access to all my accts has been blocked, and I do not have money for food, rent, etc etc. Please help.

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I was attempting to refinance my present mortgage for a lower rate. I maintained a timely payments to help my credit score. But in XX/XX/2021, even though I made my payment, SLS mortgage servicing claimed they didn't get the payment. I explained I had a receipt. They denied receiving a payment. I knew what they were doing so I had my bank ( XXXX XXXX XXXX ) send the payment by check. SLS processed both payments and they still reported my account to the credit bureaus as thirty days late. XXXX  XXXX XXXX says they processed their check on XX/XX/XXXX but they didn't credit my account. 
They have dinged my credit and stopped my refinancing attempt. They are making a 6 % interest rate and they have said they are installing their insurance on my escrow.

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 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021, I sent money to my roommate through the chime mobile app. I entered my roommate 's name and phone number and selected the corresponding match generated by Chime. The recipient didn't/does n't have a chime account. She did not receive any notification of the {$100.00} payment or an invite to apply for a Chime account. I contacted Chime customer service on XX/XX/2021, to ask why my roommate didn't receive the funds and was informed that the money was sent to an existing Chime account, evidently belonging to an individual with the same name and phone number as my roommate. My roommate gave the Chime representative her date of birth and social security number but it did not match what was on file with Chime. The representative then instructed me to request the money back from the number/person it was initially sent to because, according to him, I could not dispute the transaction. I obliged and the request was sent to my roommate 's phone! My roommate attempted to follow the link and either log-in or create a new account but was denied both. On XX/XX/2021, my roommate spent over an hour on the phone with a Chime representative who, after initiating an investigation into her situation, consulted with other Chime associates and advised that I file a dispute for the {$100.00} payment in order to get the funds back. Since I was present during this phone call, I identified myself and verified my account and the representative began the dispute process for the {$100.00} payment, entering detailed notes about the circumstances before transferring the call to the dispute department. The call was put on hold for nearly 15 minutes before being disconnected. I never spoke with a representative to complete filing the dispute. Today, XX/XX/2021, I was unable to log in to my Chime account. Several deposits were scheduled to post to my account today yet I am unable to access the account. I received an email notification informing me that my Chime account has been closed and any remaining funds will be sent to me by check in XXXX business days. When attempting to call Chime, my phone number is recognized and associated with a closed account and I am not allowed to connect with an agent. Whatever the discrepancy is between my roommate and Chime has nothing to do with me. There should not be any penalty against me for attempting to get funds back where an error occurred. More significantly, the inability to access my funds will have detrimental effects on my already strained finances, especially during a national economic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
OneMain Financial XXXX being represented by XXXX, XXXX and XXXX provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, XXXX, XXXX, and XXXX began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. XXXX, XXXX and XXXX will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: OH

Complaint narrative:
NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB Management Services violated I the natural person XXXX XXXX by sending me a letter stating that I owe a debt that I have no knowledge of. I have never entered any agreement with NCB Management and there were several violations that were committed on the the letter that I received from them that I will attach. They have went to the extent of reporting this debt to consumer agencies and damaging my report which is illegal and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Student Assist Plus LLC
State: FL

Complaint narrative:
XX/XX/21 The Student Assist Plus Team solutions@studentassistplus.com Tel XXXX Fax XXXX www.studentassistplus.com confirmed receiving my personal tax documentation via email. Since then I have been sent multiple emails on XX/XX/21 and XX/XX/21 with conflicting messages. There are multiple voice messages that are conflicting to the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/2021 I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XX/XX/2021- {$1300.00} XX/XX/2021- {$520.00}

Company response to consumer: Closed with explanation