vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I called chime about my chime credit builder card because a charge had been declined. It was to XXXX XXXX  for XXXX a monthly charge that happens every month for the same amount, I opened a written request to customer service asking about the charge on XX/XX/XXXX and if it was from XXXX XXXX  and why was it denied or tried to charge when it was just charged on the XXXX of XXXX. Chime closed my card without my consent. When I called in I was passed around by four different agents claiming to be supervisors, the floor supervisors lied saying two charges were declined, they put words in my mouth I never uttered or spoke. My account has been compromised. Is what one floor supervisor said. They recorded me without my consent in California it is a two party state where my permission is required to record me. The last of the four people ho all claimed to be dispute supervisors except one young lady. They wasted my time asking the same questions as the person before when they knew that they could do nothing I requested which was turn my card back on that I did not give them permission to cancel. Now I can not use my card until I receive their new card and they have my money held ransom as it is a secured card so I cant access my actual cash I deposited into the account. When I asked XXXX for his last name initial he refused, when I asked for an employee Id number he refused he claimed to be the disputes supervisor and told me no one was hire than him to escalate to, he denied me a supervisor to report his poor customer service. When I asked for compensation for time without my credit card or my money he just spoke over me and kept trying to put me back into the que for member services. I asked to be warm transferred to a supervisor and he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

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 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: AL

Complaint narrative:
In XX/XX/XXXX, we opened an equity loan with PNC bank in XXXX, AL - we were told that we HAD to also open a checking account in order for them to automatically deduct the monthly payment. We were assured that as long as we either kept {$2000.00} average checking balance or our loan balance was greater than {$15000.00} then they would NOT charge a XXXX XXXX monthly fee. Several times over the years the checking balance has been less than {$2000.00} and we have never been charged a fee. Starting in XX/XX/XXXX they charged the fee and advised me that it was due to checking account average being below {$2000.00}. I questioned why a fee was charged when my loan balance is still above {$15000.00} and they told me that was no longer an option to waive the fee. They stated that now I was required to maintain a {$2000.00} checking average balance so I asked them when this changed and why I was never notified. They said it would have been on one of my statements but could not advise me which one. I have checked all of the XXXX online statement messages and there is no notification that they were removing the linked option of loan balances over {$15000.00}. I did not want this checking account anyway so I will not pay a $ XXXX monthly fee just so they can deduct my monthly loan payment when I have other bank accounts that I can allow them to debit. I was advised today that should I cancel the checking account they might increase my fixed interest rate on my equity loan from XXXX - I thought thta banks were required to give advance notice of fee changes and I do not think it is legal for them to adjust my interest rate if I choose to cancel the checking account but allow them to do automatic payments from a different bank account. Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to XXXX  I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this

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 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TN

Complaint narrative:
not mine fcra violations : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Open. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$26000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
AUTOMATED COLLECTIONS Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status XXXX account. {$300.00} past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. {$24.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$24000.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: MN

Complaint narrative:
The following credit inquiries listed on my Equifax credit report are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
They said the transaction happened on XX/XX/2021. I made a payment of {$700.00} on my account. I woke up checked my banking account and noticed {$940.00} was also taken. I called the first person told my I had auto pay on and it was a mistake. I asked to talk with a supervisor he said that it was a mistake and would be sent back in two days. She wouldn't tell my why and how that transaction was made. I talked to another supervisor and he said I authorized both transactions. I was explaining to them why would I pay {$700.00} two days after I supposedly made a {$940.00} payment on a card with a {$1000.00} credit limit. Why would I pay {$1600.00} on a credit card with a {$1000.00} credit limit. On XX/XX/2021 i contacted them because the {$700.00} didn't process as what they called a computer error on there end and hit me with a {$34.00} late fee which is the second time this has happened. The first time they sent the money back the day the payment was due. And nobody can tell me why and who authorized the {$940.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: MN

Complaint narrative:
The following credit inquiry listed on my Trans Union credit report is unauthorized and fraudulent, and not my credit inquiry : XXXX XXXX XXXX XXXX, XX/XX/2021

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 2021-07-25 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: AZ

Complaint narrative:
There is a 30 day late payment that is not correct and 2 inquiries I did not authorize and Most importantly a chapter XXXX bankruptcy that I did not file

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.

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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Social Finance, Inc.
State: NY

Complaint narrative:
My Sofi credit card was refused saying " Unable to verify Identity '' in the adverse letter attached. However, we made all disputes with XXXX  using the CFPB agency services and my identity details are now all complete and all perfectly accurate since a few weeks. I'm copying the latest XXXX  credit report showing this assertion. In addition all my good payments have been paid in full and are now correctly reported since the XXXX account opening in 2015 with XXXX past dues. Six full years of XXXX past due with all payments in time and a FICO of XXXX plus identity verified can not lead to a credit card refusal. There is something wrong that have to be corrected. This is not a fair treatment considering the facts and figures. Additionally the denial is too generic and does not allow to focus on any sort of remediation in case on a glitch between credit bureaus or the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my second complaint regarding this matter. My first complaint was submitted on XX/XX/2021. My complaint ID is XXXX. I have called Experian and informed them of the inaccurate information that they are reporting on my credit file. I have sent Experian the necessary documentation that they have requested of me. I have not received a response from Experian in regards to my complaint and they are still reporting inaccurate information on my credit file.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary XXXX, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. Equifax remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them XXXX play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & Equifax! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING EQUIFAX XXXX  AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, Equifax I told you I would FIGHT BACK $ $ $ $ $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: AZ

Complaint narrative:
There are 3 accounts that say charge off and that is not accurate I also have one collection account that is not mine Also one account that says 30 days late which is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
The XXXX  record speaks about a XXXX XXXX and it was only ( 1 ) one year, and also gives other false or misleading information with regards to the XXXX Of Course the " XXXX XXXX '' ended the XXXX XXXX XXXX was 33 days. 

When time and money permit I intend to have the court 's decision reversed as I was deprived of due process. They would have lost in a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: MT

Complaint narrative:
On XX/XX/2021 I accessed my free credit report online and tried to get forwarded to file a dispute but their forwarding hot button failed many times and address provided to access dispute filing was inaccurate or impossible to access. I was not afforded any dispute procedure from their site. I still have items on my report I wish to dispute but do not have access to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I keep getting repeated unwanted calls on XX/XX/2021 and more repeated calls on XX/XX/2021 from wells fargo for an unexpected negative account balance for overdraft fees which I was unaware of at the time and had no intentions of giving my consent to opt in for overdraft service. Upon getting all these repeated harassing phone calls, with repeated attempts to pressure me into making a deposit and paying off the overdraft fees ASAP, they also threatened to close my account and send me to a collection agency. I even responded back to them to stop calling my phone and still keep getting calls from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The debt collection company IC Systems has continued to call me every day at least 2-3 time per day even on Saturdays. I have kept track of the dates and number that they continue to call me from. The following are the dates, and numbers. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX The above dates are for 2021.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary Fudge, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. XXXX  remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX  to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them motherfuckers play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & XXXX! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING XXXX  EXPERIAN AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, XXXX  I told you I would FIGHT BACK $ $ $ $ $ $

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