vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2021 I ordered a product online. They invoiced me the same day but for {$100.00} more than advertised. The email was a no reply email, so I went online to get the contact info for the company to cancel my order before it shipped. The company I emailed, that was on the products website replied that it was not their invoice that was emailed to me and they don't show any orders from me. I promptly contacted Chime to let them know there was a problem with the charge. They gave me a provisional credit bu on XX/XX/XXXX, they reversed the provisional credit of {$190.00} without valid explanation. I have emailed and called speaking to 2 different reps, none able to help me. This charge is legitimatly fraud as I don't have the product and I have no way of contacting the company however Chime won't protect my money or me as a consumer and credit my account and debit the company making the charges. So right now I'm out {$190.00} without a way of recouping the funds. Can someone help me get Chime to protect my funds against this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Filed a previous complaint XX/XX/2020 for XXXX sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a XXXX debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough Zwicker & Associates. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
XXXX gave me a phone number to call Zwicker & Associates that is not a working number, and just answers and hangs up, leaving no way to reach Zwicker & Assoc. to try to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through XXXX named XXXX, XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Huntington National Bank services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my credit report, I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX My correct name is XXXX XXXX. Please remove these variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current telephone number is : ( XXXX ) XXXX. Please remove these numbers that I have never belonged to me : ( 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 My correct social security number is : XXXX. Please remove SS # XXXX. I have never used this number. 

I am self employed and the name of my XXXX is XXXX by XXXX. XXXX remove the other variations : XXXX XXXX XXXX, XXXX XXXX, XXXX My correct address is XXXX XXXX XXXX, XXXX, IL XXXX. Please remove the addresses listed on my credit report I have never lived at or may belong to a relative. Please remove : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX

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 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TX

Complaint narrative:
Filed a previous complaint XX/XX/2020 for Discovercard sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a Discover debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough XXXX XXXX XXXX. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
Discover gave me a phone number to call XXXX XXXX XXXX that is not a working number, and just answers and hangs up, leaving no way to reach XXXX XXXX XXXX. to try to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing CashApp services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MA

Complaint narrative:
XXXX processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.

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 2021-10-26 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Huyndai processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.

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 2021-10-26 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: TN

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Dates of late : XX/XX/XXXX, XXXX, XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$220.00} Dates of late : XXXX, XXXX, XX/XX/XXXX This is a formal complaint against Equifax. I have paid for this on time during those months. The credit bureaus could not have validated and investigated every piece of information to make sure this is correct and that the payment history is reporting the right information. If the late payments are not reported 100 percent accurate, please remove them from this account and update the account as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2021 received notification from XXXX about someone trying to open account at TD Bank using security questions. TD Verified there was an account in my name. XX/XX/2021 same notification. Called TD bank they escalated it, XXXX also investigating. Back in XXXX had a security breach with XXXX where account was drained via XXXX and Wire transfers via online that was not me. Ongoing issue with identity theft since then. Main issue is the report bank accounts are being opened in my name at TD bank. All credit reports, XXXX, and more have been locked for months so this shouldnt be possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2021-10-26 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
I'm writing, because I dispute Debt with XXXX and XXXX about my credit report and I ask them to Validation and for verification about debt collection. I never receive any mail of my dispute on XX/XX/XXXX the amount of {$6100.00} and {$1500.00} were remove. So on XX/XX/XXXX they a loud a new Third party which I have no idea who these debt collection are. I'm so tried of asking XXXX, XXXX and XXXX to accuracy on my credit report, because the Credit Bureau report inaccurate information meaning different amount, open account, high balance. every month reporting charge-off after it been close. this is a Violation my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Collection Receivables, Inc.
State: GA

Complaint narrative:
Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I was working on a college course with XXXX XXXX  and the course was XXXX , I was unable to pay the balance because of Covid 19 taking me out of work for 2 months was unable to pay forward the balance. 

The total I owe now is XXXX to collection much more than the initial balance.

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 2021-10-26 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: Union Credit Corporation
State: GA

Complaint narrative:
Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demandedby the law to remove this inaccuracy from myb credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is about paypal credit. I opened the account because I got an email offer but it wont let me buy anything with it and PayPal doesnt have the best customer service so I would like to request something be done about it. Thank you

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MD

Complaint narrative:
I lived at XXXX XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. The last couple months I lived there under HUD assistance, they kept reporting that I didn't recertify. I came down the office XXXX times and submitted this recert paperwork to them. They sent me a letter stating that I owed rent for XXXX XXXX and XXXX which I paid with a money order, and they cashed in XX/XX/XXXX. After finally getting in contact with a rep from HUD about the issues of the recert, HUD started to investigate the issue. They sent me threatening letters stating that my voucher was cancelled since XXXX because I didn't recertify, and that they would be charging me rent from XXXX until the current month. I moved out of this apartment in XX/XX/XXXX because of this conflict. They tried to bring a lawsuit against me but, the case was dismissed with no judgement owed to them. They then posted on my credit that I owed them XXXX. I disputed this record through XXXX for a year and every time it came back the collection agency states that the account is validated. I then requested validation from them, they provided a lease form when I first moved into the apartment as the start of the delinquent balance, and final notice of a bill with charges as if my voucher was cancelled, but nothing that states as a statement or a bill as to where they got the amount of XXXX. I called XXXX this time to dispute it again. I sent them all the court documents, lease information, the FTC identity theft report as well as other related documents as XXXX stated. I spoke to a rep from XXXX to make sure the documents were received, and they confirmed that the amount alleged against me was fraudulent, and that they will put a request in to have it removed from my credit. XXXX and XXXX have taken this collection off my credit following my conversation with XXXX. I called XXXX again, to find out why they still had this collection posted on my credit file. The supervisor stated that XXXX removed it from my credit, but the collection agency placed the same alleged amount on my credit file again! This collection account is fraud, and the collection agency keeps posted it as a new account every time I dispute it as non-liable for this debt. I do not owe this company anything and they are continuing to fraudulently post inaccurate data on my report. This alleged amount is solely posted on my credit file. It is not posted on any rental history reporting agencies. The only reason they are reporting that I owe them anything is because I reported them to HUD because of their misuse of recertification paperwork to try to scheme money out of residents. 80 % of the residents that live at this property are old and can not speak English. I wish to have this file reported as fraud and removed from 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 2021-10-26 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: NY

Complaint narrative:
Hi, There was two transacion y my chase account that was not authorized for me who ever use my account they was able to login to my account added a external account number in my name that was not my account and meke two transacion XX/XX/2021- {$50.00} XX/XX/2021 {$680.00} i called the bank to advided them that i didnt do this transaction after a week waiting for the resoluciton they send a letter that i did that transasion and they will take the money back from my account. I dont know how they did thier investigation never called me to get more information and they just want to closed the case.. and i really want furhter investigation in this becasue some one login to my account and did the transfer the money and now chande dont want to help more.. please need help. 
thank you.

Company response to consumer: Closed with explanation