vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I realized slower than I would have wanted or will ever allow agian. There was a fraudulent charge on my chime bank spending account for {$550.00}. By grace it was discovered before there was any transfer of goods or services. I raised the dispute to the company which the order was placed. Which is a firearms business in FLA. I am a Michigan resident. I also have a felony on my record. So I had to act before there was. A transfer of a good. The order hadnt even been pulled of the shelf. The FLA firearms company where the order was placed was very prompt and the info agent told me within a couple hours of me contacting them to have chime issue a charge back. There is no transfer of good, service or monatary value besides the {$550.00} that I have to wait at least 10 business days before I would be even considered for a supposed " complementary credit ''. I also have to bring up chime support agent hanging up on me when I was expressing the legal troubles that I would get if this oder was placed with my personal name and info with me having a felony record. The agent had no corcenrn of potential legal injuries that could possibly come to their customer thus needing a prompt response. The agent was more concerned with voicing thier baseless bilief that i was someone who was a liar who wanted to get a free order while comitting fraud and they would eventually press charges and shut my account down. The firearms company never even processed the order in house further than the recieving the order. I was able to obtain by my own with refusal for help from chime bank from the info support that there would be no transfer of any service good. To have my company issue a charge back and they would refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was involved in a romance scam 3 years ago and the XXXX got a hold of my information and opens up a Capitol one card in my name. The charge was for {$5000.00} dollars to a company called XXXX. I had a court document appear in my mail saying they are suing me for XXXX which I dont have. I complained to the collection agency handling account said about the fraud. The collection agency also said looking at records a attempt was made to pay it from a account in XXXX. At the time of my romance scam I did not file police report I was scared and threatened by the scammer verbally. I have tried to call the representative XXXX from Capitol one several times no return call. The courthouse said this happens a lot with Capitol one. My problem is I have no money covid hit me very hard financially and on top of that I am having XXXX  XXXX on a few weeks. Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I was sued by LVNV Funding LLC, alleging that I owe them a debt that they bought from the following companies with Chain of Title : LVNV Funding purchased the debt from Sherman Originator LLC on XX/XX/2019, who purchased it from Sherman Originator III LLC on XX/XX/2019, who purchased it from XXXX XXXX XXXX on XX/XX/2019, who purchased it from the original creditor XXXX on XX/XX/2019. 

I do not recognize the original debtor, and I have requested validation of the debt multiple times from LVNV Funding XXXX who is also my former employer through Resurgent Capital Services, their Account Administrator ), who has not provided me this validation in a manner that satisfies my inquiry. I feel this action is harassment, given that they have not provided adequate chain of assignment, and LVNV Funding has been sanctioned multiple times for this behavior. Their attorneys ( XXXX XXXX XXXX XXXX are also the subjects of various investigations by the CFPB and the New York State Department of Finance into actions such as robo-signing of lawsuits and others acts of bad faith. XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  In my case, my attempts to seek substantiation of debt were met with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
I am a victim of identity theft, I am tired of going back and forth with this company and get nothing. I want these items removed, They are breaking the law reporting inacurrac=te information, Nonne can tell me who was contacted. how it was verified, and I don't want ti was verified by the computer e Oscar, I want a person who was spoken to and all information. I have done my own research and I know they are fraud, REMOVE FROM MY 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 2021-05-20 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: FL

Complaint narrative:
I am a victim of identity theft, I am sick of writing and asking for these items to be removed, This is a disgrace, I am trying to purchase a home for my family and can not due to this, I am deeply saddened and disgusted. please remove

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My husband and I were in forebearance until XX/XX/XXXX. My husband passed away suddenly on XX/XX/XXXX, not from Covid, but his medical treatment was affected by XXXX. 
I have applied for forebearance until XXXX, XXXX, as provided by Congress. I have a XXXX XXXX XXXX  and Select Portfolio Servicing, is my loan servicer.

SPS Servicing has informed me, my forebearance has expired and foreclosure proceedings will start in XXXX, XXXX, unless my application is received and approved. 

SPS Servicing has continually rejected my documents, requested documents, such HOA fees, and military pay stubs, where none exist, and none were listed. I applied in XX/XX/XXXX, and it is now XXXX XXXX. SPS is still rejecting and requesting documents. 

My relationship manager has never spoken to me directly, when I call, I speak with random representatives. 

I and my realtor, have both informed SPS Servicing that I plan on selling the house over the summer, prior to XXXX. I need more time to settle my husband 's affairs. I also am recovering from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in XXXX, as well as job loss due to the Pandemic. 

I am requesting CFPB look into the dealings of SPS Servicing and how poorly and the lack of timeliness, my forebearance application has been handled. 

Thank you. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company ONEMAIN FI account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
I looked on my credit report and noticed that there are alleged debts that hasnt been validated placed on my credit report.. I do not owe any debt and these alleged debt are being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

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 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have 2 XXXX XXXXXXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXXXXXX shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX Transunion shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX Transunion shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

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 2021-05-20 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$98.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
I did not give anyone permission to access my credit but the following companies have accessed my credit report. Someone else has been attempting to get things using my personal information. Please delete all the inquiries listed on my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX

Complaint narrative:
The company billed me extra {$260.00} last month and they have not provided any explanation why? I do not know what happened to my money as it was not included in payment. I asked them to correct the mistake but they have keep saying they are working on it! I am greeting tired of mistakes of this company and their costumer care. there should be a penalty for such companies who waste people time and money. I wish I was able to change my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I got an email from Money Gram saying that my account was set up and then saying that my transer was sent. They also sent me a receipt. I did not send a transfer, nor have I ever set up a Money Gram account. On the receipt that came to my email was my name, with a different phone number and address ( not mine ).

There was also the last 4 digits of a credit card that I don't recognize.

I called Money Gram. They said they would cancel the account, but the transfer had already gone through. They said to call my card -- but the card is not mine. I asked if they could tell me the credit card company so I could call and make sure a fraudulent account was not created in my name. They said no. 

So now I am very worried that someone has fraudulently opened a credit card in my name. And since I don't know the credit card company, I can't call to fix it. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I purchased a computer from XXXX online, they accidentally sent two computers, and are trying to charge me for the one I didn't order. As far as I know ( from the ftc website ) it's illegal to charge for goods sent by mistake, especially after receiving them? My bank has been no help and XXXX is trying to handle this like a regular return, saying it's been too long since the purchase to return it, but I only ever bought 1 computer! 

I purchased my computer through XXXX XXXX own website on XX/XX/2021. Initially, the purchase was declined due to fraud protection, but I was contacted by both Chase and XXXX about this and was told my initial purchase didn't go through so I'd have to put it in a second time, and did so as instructed. 

On the evening of XX/XX/2021, two computers arrived at my doorstep ( I had ordered and paid for 1 computer back in XXXX and was awaiting its arrival for some time. Before I had time to do anything about this, I found I was charged an additional {$1000.00} the next morning. I immediately contacted my bank, Chase, and they said they would file a claim for me and reversed the transaction while investigating. I got an email saying they were looking into things, but received no other communications. 

The evening of XX/XX/2021, I suddenly got a notification that my account had been overdrawn by more than {$900.00}. I took a look and the claim was re-reversed, and the charge from XXXX was back. I called Chase immediately but was told to call back when the claims department was open the next morning. 

I'm writing this on XX/XX/2021 because I called Chase to ask to dispute this again, as I still had not received any information or instructions for either keeping or returning the computer. According to the FTC website, it's illegal to charge me for goods I did not order, and no one seems to even care about that law in this case. I got hung up on or was otherwise disconnected from the call. Chase told me they needed additional information and I said I was happy to provide it, but they put me on hold and I kept getting disconnected. Finally I got someone, but they said I'd need to contact XXXX myself and they wouldn't help me at all. I contacted XXXX and they said it's been too long to " return '' the item. I tried explaining that I never ordered the item in the first place, and would be happy to pay a discounted price to keep the computer. He said he could only offer a discount if I was to buy additional items, so I refused. So now, because Chase won't dispute the transaction, I'm almost a XXXX XXXX in the red and XXXX won't recognize what they're doing is illegal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-20 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: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : CONTRACT CALLERS INC with a balance of {$980.00}

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}

Company response to consumer: Closed with explanation