vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: Chime Financial Inc
State: KY

Complaint narrative:
On XXXX XXXX chime closed my account due to a reversal charge back in XXXX XXXX XXXX XXXX XXXX my direct deposit was sent to that account instead of returning it to my employer they deposited it after my account was closed. I have messaged chime customer service every day sometimes 5 times a day with no resolve but to tell me I need to email chime. Ive even reported them to the XXXX XXXX XXXX which they responded to them with they will refund my money to me after I send them a copy of my bank statement and my drivers license which I have complied with. All I get from emailing and calling is the runaround email tells me I have to call customer service customer service tells me I have to email my money is not being refunded Im not getting any explanation on why theres a hold up after Ive complied with all of the requests. Today I received a email saying that they have not heard from me so they are Closing my request for information today alone I have emailed them three times Ive emailed XXXX XXXX XXXX again today telling them that Im not getting anywhere with them all Im asking for is that {$600.00} that is mine my bills are not getting paid because they will not refund my money Im hoping you can help me I have every email theyve sent me Ive contacted my bank and they have never heard of anything like this and they cant help me they said because they dont know how to deal with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I received a notice that my wages would be garnished for an excessive amount for a car loan from XXXX. The vehicle at the time, was a XXXX and I've been informed that I owe {$18000.00}. Threats of garnishing my bank account 2 months ago prompt me to respond to the court where the company filed. I advised that I had no money for my account to be garnished. 2 months later I get another noticed that my wages would be garnished for over {$700.00} a month. I've contacted the company to inquire about this debt. I've asked if I could see the original sale for this vehicle and asked what the vehicle was sold for after the repossession. No response. I have obtain assistance from XXXX credit repair company to send out letters on my behalf to dispute this charge/debt. I recently got an update on my credit report advising that the balance with this said debt has increased. I'm being excessively charge for a debt that is over XXXX XXXX XXXX and still increasing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/22 XXXX responded to my CFPB complaint that they complied with the FCRA. However, XXXX continues to violate my consumer rights. They willfully violate the FDCPA XXXX XXXX XXXX and provide me with full and sufficient validation of debt as I requested. They claim to have investigated and verified the inaccurate information they are furnishing to XXXX. They are violating the FCRA by failing to comply with my cease and desist of communication of this incomplete, inaccurate and, unverified furnishing of the following accounts to XXXX. I demand they be deleted immediately in accordance with the FCRA. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
Email Scam, unrequested documentation to sign for ACH payments. 
From : XXXX XXXX via XXXX XXXX which is the XXXX country code To : XXXX which is probably a fake, diverted email. Notice the " double XXXX '' in name. 
Message : " All parties have completed Please DocuSign : Recurring ACH Enrollment Form. 

Lendmark Financial Services thanks you for your business! Included herein is an ACH Enrollment Form, please carefully review, fill in banking information, and sign electronically. Upon completion, you may print the document for your records but you will also receive a copy of the agreement by email. If you have any questions, please contact our branch. 
Alternate Signing Method Visit DocuSign.com, click 'Access Documents ', and enter the security code : Available to Law Enforcement Upon Request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-10 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-10 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Recently our mortgage got transferred to a new servicer, Carrington Mortgage Services, LLC., normal process, and it went smoothly. We even got a letter letting us know nothing about our mortgage will change. However, on Friday XX/XX/2023, we got a letter in the mail from Carrington that something about our mortgage will be changing, the payment. 

We compounded our home insurance and taxes into our payment, so some changes are expected. And we did recently have a tax increase so there wasn't much surprise there. However, upon closer look into our new payment, it seems like Carrington is trying to sneak in a {$17.00} " Shortage payment '' every month because our escrow account will be below the federal MAXIMUM of XXXX of the total annual distribution. Only 1 month out of the year is the escrow account below this amount and it because we have back-to-back payments of taxes and insurance. Additionally, it's a federal maximum amount. Why am I being charged if I don't constantly have my account maxed out? There is no law saying I have to meet the max and my other loan servicer never did this. To top it off the {$17.00} never even goes towards my escrow, loan, or interest. It appears the company is charging me and keeping the money. 

When I called and asked why I'm being charged the company representative couldn't give me and answer. I asked to be transferred to someone else who could answer my question, but I was told there was no such person as they are gone for the day but even if they were there, I still wouldn't be able to speak to them. 

Please help this seem illegal and if not, it definitely should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent XXXX $ to my mail adresss XXXX on my PayPal account I never received the fund, i hoping the money come in times but now it s been. Way to long I want my money credited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
I have reached out to XXXX, XXXX and Transunion for over 2 years regarding 2 accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open balance XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX  Original creditor

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 2023-01-10 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: TX

Complaint narrative:
I have reached out to XXXX, Equifax and XXXX for over 2 years regarding XXXX accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open XXXX XXXX XXXX BANK XXXX A and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MI

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXXXXXX You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MI

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer 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 XXXXXXXX You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2023-01-10 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: OH

Complaint narrative:
I have received your response attached down below. I want to thank you for prompt response. Unfortunately, the documentation you sent did not give evidence of how the investigation process taken place. Neither prove how you are lawfully nor legally able to report the XXXX payments for XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX XXXX # XXXX. This account XXXX XXXX auto finance, for example I would like to know how your investigation differ from XXXX reporting never late. If you XXXX have different information reporting how is your investigation results verified and accurate. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. To my knowledge, I did not give written consent to your company. If you have documentation proven otherwise I would like to be given the documentation of such. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. During your investagation, did you come upon me receiving a periodic statement 21 days before payment was due. I would like to be shown when this statement, what address, and proof of deliver to the correct address at that time, each time I was consider late. If these documents can not be provided then your investigation was not verified nor accurate. According to my consumer rights the late payments on the accounts should be deleted and updated to paid and never late within the next 30 days.

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 2023-01-10 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
I notified the credit bureaus that the account XXXX XXXX XXXX for XXXX was not accurate and disputed this with the credit bureaus XXXX removed this inaccurate account from my credit because it could not be verified but Equifax and XXXX did not remove. How was XXXX not able to verify account accuracy but equifax and XXXX  could This is in violation of the fair credit report act.

Company response to consumer: Closed with explanation