vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I contacted the Collection agency to question the validity of the alleged debt however, upon providing my personal information the agent on the phone stated that I had provided a different social security number, I asked the agent what number they had on file she responded that she's unable to provide the number because although it has my name and addresses the social was incorrect. I asked why they continued reporting to all XXXX credit bureaus. I want this removed from my credit files for inaccuracy, not my Social Security Number. 

Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: Chime Financial Inc
State: MI

Complaint narrative:
CHIME BANK XXXX XXXX - Purchased Clothing Online @ XXXX  For XXXX Clothing Was Supposed To Arrive By XXXX XXXX XXXX XXXX XXXX 

Upon Arrival - It Has Now Been Over The Estimated Delivery Date XXXX XXXX Still No Update Or Response Even When I Ordered Expedited Shipping I Gave Them A Little Over A Day To Get Back With Me. 

Screw It - Decided To Cancel The Goods & Services Not Received. Asked XXXX  For A Refund. The Company Stated That Id Have To Return The Items Before Initiating A Full Refund.

The Catch - I Cant Return An Item That Has Never Arrived So Therefore How Would I Be Able To Receive The Refund. 

Dispute - I Took The Time & Disputed With Chime, My Bank Account Now They Say That The Merchant Is Not Responding. Claims Can Take Up To 10-20 Business Days To Resolve. MAX Could Take Up To 90 Days When This Company Has took XXXXXXXX Of My Cash In Less Than 5 Seconds.

Follow Up: It Has Now Been Over 8 Business Days & Ive Yet To Hear From Any Chime Rep About My Claim 

Side Note: Ive Had Claims Take No Longer Than 5 Days. Something Isnt Right. 

                         - THANK YOU APPRECIATE ANY HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!

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 2023-11-26 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: OK

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is the 6 complaint on Equifax with CFPB and I have made a compaint with XXXX, Attonery General, FTC identiry theft, I just got another email stating two of the many disoautes are completed inquiries XXXX XXXX, and XXXX XXXX XXXX XXXX that they are accurate which they arent I had to submitted more research forms when I have already sent about 10 different ones to them and they still arent correcting my reports. I have also attached in this complaint the certied copies of the sign valadation letters that were sent to Equifax where i sent them the same documets that I sent the folowing complaies and they signed that they did get them i have attched the orginal FTC Identry theft report that i sent back in XXXX and the complaint i filed back in XXXX to XXXX XXXX and it is XXXX and im stil dealing with this. They havent remved any inquiies not even the ones were XXXX XXXX sent them two digfferent letters saying to remove the two inquiries for XXXX XXXX. This is rediclouis that they will not do their job this is why peoples credit gets destyoed because they will not do anything even when you report them and they are breaking so many laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Someone is using my identity to get loans and sending them to other accounts not in my name

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 2023-11-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!

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 2023-11-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NY

Complaint narrative:
Hi I been trying to get us direct Express to have my XXXX funds go on a new card they sent me a new card ok now there fraud department won't release and unlock the card when XXXX has my payments going to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: PR

Complaint narrative:
In XX/XX/XXXX. I paid off my mortgage with Mr Cooper. Since then, I have been waiting for the documents to remove the lien on my apartment. After many calls to Customer Service and further escalation to Corporate Resolutions Team nothing happened. After insisting, I received a plain document on XXXX with no instructions attached. It was the original note with a Paid in Full stamp, which I took to my attorney to conclude the process. For our surprise, it has a few notations, but none of them has endorsed the document to me or bearer. Also, an allonge was missing. 

I placed a corporate complaint in XX/XX/XXXX explaining the requirements, and today, XX/XX/XXXX, I received the solution to my case. 

They resent a copy of the same useless document they sent in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I tried to set up a arrangement to pay for collections with midland and they didn't want to work with me on what I could afford just kept saying your accounts will be sent to court this was on the XX/XX/2023 all of my other collection places worked with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did NOT authorize any of the listed accounts to be furnished 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 non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I did NOT authorize any of the listed accounts to be furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage rate was adjusted upwards and I did not see the notice, so I paid the usual amount for XXXX. 
I received an email saying they had no record of my payment for XXXX. I called them. 
They said they did in fact have a record of my XXXX payment, but that their statement that they had no record of my XXXX payment was nevertheless true, since it complied with their own internal procedures. I complained about the wording, since it was a knowingly false statement and I believe it was calculated to induce stress. They said they were sorry about how I felt ( but not about what they did ). 
I spent the rest of the day on the phone with them, trying to log into my online account and getting very little help. I was eventually successful and paid them. 
A large financial company should not conduct its business by making false and XXXX  statements and causing damage to quality and length of life disproportionate to the trivial amount of extra profit obtained by manipulating people in this way. 
There are far worse behaviors but, like compound interest, every little counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: GA

Complaint narrative:
I can't verify my identity with Equifax or XXXX. I have no trouble with XXXX. I can't even get credit score or report. Is my credit frozen with them or something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX On XXXX XXXX, I sent Equifax Credit Bureau information to remove hard inquiries from my credit report listed below. It has been 40 days and still no response from Equifax. The disputed inquiries must be removed due to the fact that I did not give my written consent to run my credit report. It can take up to 60 days if I send Equifax more information, but I did not. According to the FCRA Laws, I have a right to privacy. 
XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I made a purchase from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$6000.00}. This merchant had an " Anytime Refund Guarantee '' stating they would offer a full refund at anytime. When i requested a refund from this merchant, they stopped communicating with me and are no longer responding. Apparently, they have scammed quite a few consumers. I reached out to my credit card company to dispute the charge and sent over supporting documentation to them. However, and unfortunately, they only sent me a letter with a vague response stating that the documentation i provided " did not support '' my claim- with no further explanation of their findings. This was the second time i opened the same dispute, with the first one being denied as they needed documentation.

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 2023-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have sent these screenshots to the company as proof my XXXX payment was paid yet they still say it's delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I can't verify my identity with XXXX or Experian. I have no trouble with XXXX. I can't even get credit score or report. Is my credit frozen with them or something

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX, XXXX and TransUnion To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX 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 2023-11-26 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: FL

Complaint narrative:
XX/XX/XXXX XXXX, Equifax and XXXX To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did NOT authorize any of the listed accounts to be furnished 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 2023-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
Company gave original loan papers! 
Not what was told at time of pay off and they took my cashier 's check and paid off loan!!! 
I didn't have this 3-10 days if that!!! It was paid in full before the 30 days maturity date... on the cashier 's check it stated " LOAN PAID IN FULL '' With account number and all ... AND NOT 1 single other payment has EVER been made in over a year, but they keep me in great standings with my loan! Ironic! 
What even more ironic to me is its been a year!!! AND When I paid this loan in full with the {$1800.00} check I took up there to the branch office I have NOT made any other payment what so ever on that account at all, and they have never called me nor reported me for a late payment!!! Ironically on the cashier 's check from my bank paying this loan IN FULL it stated THIS ACCOUNT IS " PAID IN FULL '' with the account/loan number on it! Now, if I owed a balance on this loan and it wasn't paid in full like I was told at that branch, ( it's been over a year ) I think I would be called non stop, it would be reported to my credit as being late ( not in good standing ), and all ... the loan was paid in full like I was told, PERIOD! I just want it reported on my credit as being PAID IN FULL, as it is! It's been over a year, and I haven't paid not a single cent since I paid the {$1800.00}, paying it in full... so I don't know if they had a worker in the office that apparently didn't know their job and told me wrong, but I done what was told me and I PAID my loan in full not even 7 days of getting it ... the branch deposited and cashed the cashier 's check that stated " Paid In Full '' w/my Account/loan number on it so they was very clear on the fact I was paying off my loan!!! PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I booked on XXXX using PayPal and chose PayPal. XXXX as method of payment. Payment was taken from my debit account via PayPal and I didnt authorize this method of payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Friday, XX/XX/XXXX, a fraudulent, unauthorized charge was put on my account through XXXX XXXX for {$220.00}. Unbeknownst at the time, my card had been stolen and put onto another someone else 's phone in order to transfer money out of my account. 

4 more charges proceeded after the initial charge. 

One charge for XXXX, one for {$100.00}, the third charge for {$240.00} and then a last charge of {$240.00}. 

The following morning on Saturday, XX/XX/XXXX, I had found these charges in my Wells Fargo checking 's account, in which I had immediately called customer service in order to put in a claim.

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 2023-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I purchased a {$200.00} gift card from XXXX on XX/XX/2023. I have not been able to use it at my landlord ( XXXX XXXX, XX/XX/2023 ), at XXXX ( XX/XX/2023 ) or at XXXX ( XX/XX/2023 ). The only transaction I have ever seen posted was a {$0.00} pending transaction on XX/XX/2023, which was reversed XX/XX/2023. 

I have contacted ( XXXX ) XXXX ; the representative " XXXX  '' simply confirm my card is valid, and also confirmed that the XXXX XXXX and XXXX transactions have been declined for security reasons. " XXXX  '' then asked me use the card elsewhere, but failed to tell me where the card would be accepted. " XXXX '' also asked me to call ( XXXX ) XXXX for customer service ; upon calling that XXXX number, there is only an automated message asking me to be sure to enter my card number, expiration date, and security code -- all of which I had done in the declined transactions. There is no option to speak to a live agent at the XXXX number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.

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