vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/XXXX I was scammed via XXXX messenger. I sent a XXXX for {$800.00} to XXXX for XXXX XXXX tickets- and no tickets were delivered and I was immediately blocked on FB messenger. I reported it to my bank, Capital One within minutes. The service rep I talked to on XX/XX/XXXX said they would be able to get my money back and I would see the credit back to my account within 10 days. That did not happen and there has been no follow up from cap. one. 
I followed up with Cap One on XX/XX/XXXX and found that the claim was denied and closed. I explained that the previous rep said my money would be returned. They offered to reopen the claim. Once again, there was no follow up from Cap one. I called again today and was told that the claim was denied again and that basicallythey are not legally required to protect your money from XXXX transactions. 

I've also reported my scam to XXXX and the FBI. 

A large bank like CapOne should protect our money- specifically if a scam is reporting within minutes of happening. Scams are going to become more frequent - banks need to protect us. 

In my situation, I thought I was talking to someone I knew and I thought I was " being smart '' to only send half the money, get XXXX the tickets delivered and the send then other half. I saw images of the tickets- so they seemed real. The person on the other side chatted with me as if we knew each other, so I had no reason to believe it wasn't her. 

Reported to cap one XX/XX/XXXX at XXXX Followed up with Cap one on XX/XX/XXXX. Claim was closed. They re-opened. 
Followed up with Cap one on XX/XX/XXXX. Claim was denied a second time. They said there was nothing they could do as they aren't legally required to do so. 

XXXX XXXX. no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My sister passed away XX/XX/2022. We have been going through her paperwork and noticed she had Chime accounts. I tried to call them several times and they wouldn't help. So they told me to email them. I did. Several times. 

They said I have to send my ID and a copy of her Death Certificate. I took several pictures and uploaded them to their website at least 10 times and they continue to tell me the death certificate is blurry. I have taken the pictures with my phone ( as they requested ), and didn't edit them ( as they requested ) but they continue to tell me they can't take them. I sent the exact same pictures to my husband to see how they come across and he said they are clear. I don't know what they are trying to do here, but they are lying about the pictures. I want to close her account and take her money out of her accounts, but they won't. I'm not sure what else to do. They have her money and won't release it. 

My mom also received a message on her phone stating someone was trying to get into her account. We want to make sure someone doesn't steal her money ( but at this time it looks like CHIME is stealing her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : 1. My Address : Please be sure that my address is listed correctly, My address should XXXX XXXX XXXX XXXX, PA 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Well they never helped. Me fix my credit, and they took money from my taxes and they will always say my score was fair and I will fo somewhere else they will tell me my score was super low  . I was actually happy thinking my score was getting fix but no I was played ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I was contacted last week by a collections agency saying I owed {$650.00} for an unpaid energy utility debt from 2021. 

They could not give me much information, except for the service dates and account balance and the company who filed this collections notice. 
I contacted XXXX XXXX XXXX, the filer of the notice. They explained that I was not in their system. I contacted my old energy provider at the time of this service date, and XXXX had no record of me either. 

After calling the collections company 3x, they finally gave me the service address, and I recognized it from a scammer who had used that address to setup a comcast account. I filed a report for this through this same process that I am now. 

I then googled who provides energy for that area of Texas, and called the company using the address I was given. Sure enough, they had a record. The rep called with me into XXXX XXXX XXXX, and disputed the amount. They want a police report and a ftc fraud report as well. 

The service dates are from XX/XX/2021 to XX/XX/2021 and the amount is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
incorrect personal information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
incorrect personal information on my consumer 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 non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that GOLDMAN SACHS BANK USA conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that GOLDMAN SACHS BANK USA will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The original signed loan agreement from XXXX stated that taxes and insurance have been waived by the lender and will be the responsibility of the borrower. I have never missed a monthly mortgage payment of {$1200.00}. I have payed the property taxes and have maintained the hazard insurance since XXXX. My mortgage is not in default. In XX/XX/XXXX, Newrez acquired my loan and placed a mandatory Escrow account for taxes and insurance that raised my monthly payment to {$1700.00}. In XXXX, I provided proof of hazard insurance for my condo so that the lender placed insurance and taxes could be removed. My request was denied. In XXXX, I provided Newrez with the original signed loan agreement that states taxes and insurance have always been my responsibility and it is illegal to change the original signed loan agreement. My request was denied because the hazard insurance was unsatisfactory. I need to provide proof of insurance from the HOA for the entire building. On XX/XX/XXXX, I provided Newrez with the insurance declarations from the building HOA for the entire condo complex. I have tried numerous times to pay my mortgage however, Newrez has warned that my mortgage payment will not be applied if I do not pay {$1700.00} which includes their insurance and taxes. I have already paid the first installment of my property taxes. I do not need a second insurance policy on my apartment and the building XXXX has proven the building has an insurance policy. Newrez is forcing me to default on my mortgage payment by not applying my monthly mortgage payment towards the principal and interest as I have done for the last 13 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Date XX/XX/2023 Alleged account number XXXX. 
Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The information that is reported under my name is incorrectly reported to my credit reports. The information provided isn't mine and I am a victim of Identity theft. I have not been able to check my credit report nor see generate a score for some time now, this has been affecting me and the things in my life. I am fully entitled to my credit viewing anytime. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Formal Complaint Regarding Failure to Process Opt-Out Request under the Privacy Act of 1974 I am writing to file a formal complaint against Transunion, XXXX, and XXXX for their apparent failure to process my recent request to opt-out of credit reporting, in accordance with the provisions of the Privacy Act of 1974. On XX/XX/XXXX, I sent a letter to Transunion, XXXX, and XXXX requesting to opt-out of having my personal information and credit-related data reported to third-party credit reporting agencies. I took this step in an effort to protect my privacy and exercise my rights under the Privacy Act of 1974, which grants individuals the authority to control the disclosure of their personal information. 
However, despite the stipulated timeframe within which credit reporting agencies are required to process such requests, I have not received any confirmation or acknowledgment of my opt-out request from Transunion, XXXX, and XXXX This lack of response raises serious concerns about their compliance with the Privacy Act and their commitment to protecting consumer rights. I have attached a copy of the original opt-out request letter, as well as proof of delivery, to this complaint for your reference. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Transunion, XXXX, and XXXX XXXX ] adheres to the guidelines outlined in the Privacy Act of 1974.

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 2023-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I used Affirm to pay for two orders that I placed on a online store because I had used Affirm a few times before. I didn't have any issues like the ones I'm running into with my two current orders.

I was not able to reach them through the chat option through their app and when trying to get their number to call the app kept crashing or would not load the page that I had to go through XXXX just to get the number to call. 

The first person I spoke with didn't understand what the problem was. All she wanted to do was tell me how it worked how much my total payment was how many payments you know I had and how you know how bi-weekly and all the information I already know. 

Despite spending the majority of the conversation with her explaining the same thing over and over again and either she just could not understand or she did not want to give me an answer. 

And then I asked you get transferred to someone else you would understand because I should not be marked for a late payments that was not late when it was paid on the day it was due. 

Then the next person I was transferred to said that she was a supervisor and her name was XXXX and I had the same exact issue with XXXX like I had done with the girl before. each time when they appeared that they may be understood what I was saying and what the issue was they just put me on hold and after being on hold for a few minutes would come back and give me the same spill of how the system worked or payments how much they already made the payment in full to them and and not addressing the issue. 

Looking back at my bank records and looking back at the payments The time it takes for a payment you process is part of the schedule so even though you are given a date for the payment to be due it's actually due the day before because apparently now you have to take into account the processing time. So even if you have a timestamp from your bank showing that you made a payment on this day it will not appear on the app because it won't finish processing until the following day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
Ordered from a new site XXXX not many reviews for it but decided to still purchase. Upon receiving the item, I notice theres a noticeable stain at the front. I contact the company and question the condition, they claim its brand new. I feel otherwise about it so I ask for a return since this item was sold to me not in the condition the website claims. They respond back that its final sale. Sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an Amex Gift card from my employer, and have tried to use it multiple times, it never works anywhere online. Since its a virtual card I am only able to use it online. 

I have called Amex multiple times to find a solution and they only say to keep trying, that's it. NO answer NO resolution. So basically, they have my money, and I can't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to check from your end if you have either received or not my previous letters via mail and via CFPB? It seems that I havent obtained any resolution from you guys with the result of my request for reinvestigation and the removal of all the disputed negative items. I have already told your department a couple of times about these inaccurate and misleading accounts below that they should be automatically removed since they werent supposedly issued on my credit report in the first place.

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 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Reached out to the company for them to provide the paperwork I requested but was told no they would not provide me with information but then was told by them to send a copy of my credit report to them

Company response to consumer: Closed with explanation