vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Wasnt not Presented a bill from original debt collector they messed up Equipment that never work and I was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Wasnt not Presented a bill from original debt collector they messed up Equipment that never work and I was charged

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
I did not authorize this inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My chime account was closed with a ballance for some reason they wont allow me to know and now thier saying there will be no refund check sent out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not authorize this inquiry

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
To begin with thank you for taking a look at this. I hate to say it has only gotten worst since the fist complaint. When I wrote you I had written anyone and everyone I could trying to find someone to help. I got an email from Gov. XXXX 's office saying XXXX requesting XXXX reopen my account so I could file for benefits. With in a week I was set and ready to receive benefits. I called the card company to have them close the fraud account, and open a separate one for my self. Person I spoke with said I couldn't do that, but change my address, charged me {$20.00} dollars to get the card 15 to have it shipped in two days. N the date XXXX & XX/XX/XXXX of XXXX deposits where being added to my card until the 2nd from the last, then there was withdraw of {$3900.00}. The card company said that XXXX  DID IT, the fraud department said it said XXXX did it, XXXX said they did not show they didn't show they didn't do it, I would have to deal with them myself. Finally XXXX  emailed me saying it was the card companies mistake and I should get the money any day that was another week ago, the gentleman I was dealing with hasn't responded since the XXXX. And as far as the card company they have the rudest Customer service department, waits as long as 3 hrs. And I still can't use the on line account because the old user name, password and email are still set up from the fraud. When I try to reset, it sends it all to the fraud account email. So other than calling them, I have no way to talk to them, I've spent over {$20.00}, in charges to contact someone. So to be honest, I don't know who has the money or who you should talk to. It has been over 14 weeks since first day that I had filed ( XX/XX/XXXX ). Because of this I've used all my savings, maxed out 2 Credit cards, lost assets, my place to live, dropped my credit score, and spent more time on hold going back and forth, than able to job search. All I want right now is the {$3900.00} back right now so my son and I can get back in our house. I'll send you the 3 most recent Emails I have gotten other than that until I can get inside of my online account and send a copy the transactions. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
I have a checking account with Key Bank in Washington state. I have my paycheck from work automatically deposited there every other Friday ( our payday ) and I bought a car 3 years ago and have my monthly car payments automatically debited from my Keybank checking account. About 1-2 months ago, I received a letter from Keybank telling me that my account will be closed soon because it does not show any activity. I called keybank and asked what the letter means and if I have to do anything about it. The keybank customer service person said that he checked my account and he can see the activity or transactions- the automatic deposit from my employer and the monthly car payments. I also occasionally make payment to my credit card using the app. I also log in to my account every other Friday to check my paycheck deposit. On XX/XX/20, I was shocked because when I logged in to my Key bank app, it says my account is closed. I called Key bank and they admitted that my account is closed and that my funds were sent to the state. They told me that what their customer service person told me was wrong. Key bank said that I needed to make a transaction- use my debit card, write a check or go to the bank in person to deposit or may physical transaction. They said my paycheck automated deposit from my employer nor the car payments are not considered an " activity '' and so my account was closed. They told me to go to the unclaimed property website and find my state and claim my money. They are sorry that they gave me the wrong info when I called after receiving the letter. i checked the unclaimed property website and my money is not there and also my car payment was missed. Pls call me for additional info - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
Please provide itemized statement authorization of services rendered, and signature authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: MI

Complaint narrative:
CHIME, the XXXX XXXX, issued a hold on my ( XXXX XXXX 's ) account debit card. I XXXX XXXX answer all CHIME, the XXXX XXXX  question to the best of my ability. the XXXX XXXX and CHIME closed the account and embezzled the funds/credits I XXXX XXXX worked for, funds credits that my job deposited in the CHIME account. No one has never revealed names to me, just threatening emails, jeopardizing my family 's ability to live. 

CHIME the XXXX XXXX  XXXX XXXX XXXX is trying to force me to become an accountant for their COMPANY 'S before releasing a work woman 's pay, credit, deposit, and or funds. 

I am attaching documents of the correspondence between me and the CORPORATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2020 ( Complaint Date ) This Complaint does not pertain to INCORRECT information on my EQUIFAX Credit Report, but it does pertain to the Equifax Credit Reporting Agency NOT showing information that should be shown on my credit report. I have 2 current addresses that should be showing on my Equifax Credit Reports : 1 ) a Physical Address and 2 ) a P. O. Box Address. ONLY THE P.O. BOX ADDRESS IS SHOWING ON MY EQUIFAX CREDIT REPORT. Due to Equifax Website Technicalities, I am unable to enter my current Physical Address ( which has a different zip code ). How can this change to include both my P. O. Box Address and my Physical Address be reflected on my Equifax Credit Report? I've made attempts, in the past, on Equifax 's Website to enter my current Physical Address, but the website doesn't make provisions for me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-12 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$19000.00}, {$8700.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

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 2020-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX of XXXX, I paid a wedding videographer in full. He told me that if I paid in full, I would get a discount. He sent me an email and link to make my payment of {$1600.00} with my debit card. Shortly when the Covid hit in XXXX of XXXX, I attempted to reach out to this vendor who then beached our contract. By the name of XXXX XXXX XXXX XXXX. XXXX XXXX owner states his business is permanently closed due to bankruptcy. I have reached out more than several times to this vendor who has failed to refund me my money. I then reached out to Chase bank and filed a dispute for my debit charge in XXXX. They said it can take up to ten days to receive a response while they do a chargeback to the merchant. 

Chase bank did not notify me of the resolution and instead I called and found out that they closed the case because its 120 days past due and can no further assist me. They also told me it wouldnt be worth taking this case further such as an appeal. Chase bank said they would send me a letter in mail about my dispute resolution. I did not receive anything. 

I have called back a few times and I just get rerouted to no help. 

I want to take my case further and challenge a refund back from this merchant and I dont feel chase is helping me. All because of Covid, everything went down hill, but this money is owed back to us. 

I am not the only customer who is currently dealing with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

Equifax, XXXX, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

XXXX, Transunion, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.

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 2020-10-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -This is not my account.

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