vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a XXXX representative ( XXXX ). This number is actually a XXXX fraud number, and I was tricked into believing that the person on the other line was actually a XXXX representative. 

The person provided me a name and an employee ID number and notified me that my Zelle account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my Zelle account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from XXXX. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. 

The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to Zelle money to myself using my phone number to my phone number. To be more clear, I was using Zelle to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my XXXX and Zelle acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. 

I called this phone number directly during this time period at a separate time, and it took me to XXXX 's answering machine, so I knew this was a XXXX verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual XXXX number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from XXXX that my disputed funds were not approved and that I would not be receiving my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: United PanAm Financial Corp.
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXX 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 2021-12-16 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXX 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 2021-12-16 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I received a notification from Chase 's fraud department through text XX/XX/XXXX at XXXX for a purchase made at an establishment in XXXX XXXX called XXXX XXXX XXXX for {$4400.00}. I had my credit card on hand and was working when this transaction went through. I immediately responded to this text as I did not make the purchase and couldn't physically be there as I was working, I also was not aware of this store in XXXX and it does not reflect my shopping habits. This {$4400.00} charge never appeared on my balance and thought this issue was resolved. 

However while going over my XXXX statement later they did approve two other transactions in the amounts of {$2800.00} and {$340.00} also at XXXX XXXX XXXX. I immediately disputed these charges over the phone, they were taken off of my account and I thought that was the end of it. 

I went through and saw on my XXXX statement that the charges reappeared, I once again called customer service and disputed this decision. I called and Chase decided that because I live and make frequent purchases in the area ( even though I disputed the other charge of {$4400.00} and there was no pushback on that dispute ) my purchase history doesn't reflect these types of transactions it was valid. 

I have been in contact with the business and they have been very sympathetic to my struggles with Chase. They told me unfortunately that these disputes largely fall on the credit card company so I have followed up with Chase at every turn. 

It is a Chase XXXX credit card. I replaced the card immediately after receiving the fraud alert over text message. I have no authorized users on my card, I was not in the area of the charge when it was made and my spending habits do not reflect this amount of money being spent. 

I am appealing this decision for the third time now with Chase but they are being dismissive of my eagerness to provide physical evidence to prove I could not of made the purchase in person as they say it was. I was told to file a police report in order to support my case which I intend on doing as I see this purchase and how Chase is treating it to be utterly untrue and disrespectful to myself as a consumer. 

I am not in a position financially to spend thousands on clothing, as I new homeowner I was also put through the XXXX  of this charge appearing again while my mortgage was in underwriting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/21, I opened a new checking account with Citibank through a link that had a welcome bonus promotion attached to it. I deposited the required amount of {$3000.00} into the account and have kept the account open ever since. I reached out to via chat on XX/XX/21 because I noticed that I still had not received my {$200.00} welcome bonus. When I spoke to their representative, they assured me that I had qualified for the bonus and that I should not need to wait past XX/XX/21 to receive it. Now it is XX/XX/21 and I still have not received my {$200.00} bonus. I reached out for chat support and was now told that there is no such offer attached to 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 monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IA

Complaint narrative:
I have now called FedLoan Servicing 5 times. I have been on hold from XXXX minutes at a time while trying to contact them. I have been locked out of my account so I can't update my phone number and I can't email them because it requires logging into your account. I am trying to get documents to refinance my loan and it has been extremely difficult to get ahold of them to get the proper documentation. I still haven't had my call answered and can't get ahold of them any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Be advised this is not a refusal to pay, but notice that the XXXX XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt say XXXX XXXX XXXX says I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. 
Account is 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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I am working with XXXX XXXX to purchase my loan from Gregory Funding but this is being prevented because of the past due balance that Gregory Funding keeps showing on my account. The rules of my Forbearance agreement with XXXX XXXX specifically stated that I would not be charged any fees while I was in the program. The loan was purchased by Gregory Funding from XXXX. I have no problem paying the {$7600.00} of my past due payment. But I should not be charged the XXXX in past due fees and charges that Gregory Funding is trying to charge me because as I stated before I was in the Forbearance program. I have called Gregory Funding XXXX  times and waited on hold for hours and the reps can not even justify what these charges are for. They just keep telling me to send an email and I never received a response. Now I have just been told my home insurance company that Gregory Funding has not even paid my home insurance since my loan has been transferred to them and now XXXX insurance is asking for XXXX immediately or my policy is being cancelled. I have the checked with the XXXX and I have read countless claims against Gregory Funding with people having the exact same complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Klarna AB
State: FL

Complaint narrative:
I placed and order with XXXX XXXX using Klarna as a payment method. For some reason, there was an error during processing. As a result the Tickets were never fully processed, in working with XXXX XXXX they ended up voiding the tickets. I then sent proof of the voided tickets AND my communication with XXXX XXXX to Klarna. They informed me that I need to open a dispute. So i did and again provided them the Void tickets and communication with XXXX. 

Klarna then closed the dispute because i did not respond, " as they assumed i was able to resolve it with XXXX '' .... however i did resolve it with XXXX XXXX  but Klarna is still showing that i owe the full amount. Simply not true, nor did they ever try and ask XXXX I have emailed, called and used there Chat feature. NO ONE HAS REACHED OUT TO ME FROM KLARNA...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: CA

Complaint narrative:
I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with Equifax and received a response that the bankruptcy stays as reported. Equifax stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXXXXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: MA

Complaint narrative:
On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX  XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME XXXX M & M CREDIT  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
Be advised this is not a refusal to pay, but notice that the XXXX XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt say XXXX XXXX XXXX says I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. 
Account is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Someone opened an account and debited from my checking account {$150.00} twice from Money Lion of which I do not have an account with

Company response to consumer: Closed with explanation