vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/21 at approximately XXXX XXXX  I purchased an XXXX XXXX flight on XXXX and paid with my Discover credit card. As part of the transaction, I purchased and was charged by XXXX {$130.00} for four ( 4 ) seat selections/upgrades. However, after the transaction went through and I received my flight confirmation emails, it became clear that the seat selections/upgrades had not actually been provided or reserved by XXXX. I confirmed with XXXX XXXX that there were no seat selections for my flight, so I contacted XXXX the same day as the purchase was made ( XX/XX/21 at approximately XXXX XXXX ). After some review and placing me on hold, XXXX 's customer service representative advised me that she had confirmed the seats had not been reserved so XXXX would be refunding me the {$130.00} and instructed that I would need to purchase my seat selections/upgrades directly from XXXX XXXX. Pursuant to XXXX 's instructions, I went ahead and purchased my seat selections/upgrades directly with XXXX XXXX on XX/XX/21 at XXXX XXXX. Specifically, I was able to purchase 3 out of the 4 seats I had originally tried to book with XXXX ( 1 of the seats was no longer available further evidencing that XXXX never booked the seats ). I waited a few weeks for the refund to hit my Discover account, but it never did. I attempted to contact XXXX again but apparently due to COVID they would not accept customer service calls unless you were within a week of your flight 's departure date (! ). Accordingly, I initiated a dispute of the {$130.00} charge with Discover. I provided Discover with copies of the emails I had received from XXXX, proof that I had purchased the same seats again directly through XXXX XXXX, as well as a detailed recitation of what had transpired. Despite the foregoing, on XX/XX/21 Discover advised that XXXX was asserting that the charge was correct and that Discover had also somehow determined that the charge/transaction was " valid ''. In other words, Discover - despite being in possession of evidence demonstrating that XXXX had charged me for goods/services that they never actually provided to me ( i.e. committed fraud ) - allowed the fraudulent charge to remain on my account. As a result, it became clear to me that Discover ( i ) was not looking out for my best interests, ( ii ) lacks integrity, and ( iii ) its dispute resolution procedures are entirely arbitrary and capricious - so I have since closed my Discover account ( I believe I was their customer for approximately 10 years ). Not much I can do against either party ( XXXX and Discover ) except submit the instant complaint and potentially file suit. I have had a few similar charge disputes with other credit card companies and NEVER had a issue like this before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 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:
I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : Transunion : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX  : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}

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 explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: FL

Complaint narrative:
( Sf/XXXX XXXX ) AT ( XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX  ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XX/XX/2021 a man knocked on my door around XXXX pst. The man asked for me and told me that my XXXX was late on payment I explained to him ive been in contact with my bank thru email and not sure why he was at my door the guy states he's with ally financial and say he was here to close my loan and to call the bank. I told the man not to ever come to my door again. This man was caucasian in his 50 's for sure. I've been in contact with some guy thru email name XXXX XXXX who keeps emailing me and tell me to call his private phone number XXXX and the email is XXXX. This has really scared me because I just moved to this location and they do not have the address. I feel violated and not safe.

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 2021-08-30 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:
I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} Equifax : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} Experian : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}

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 explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers. 

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with Credit Concepts and them trying to continue to overcharge me.

Please review my account I have two credit concepts reported on all of my credit reports but only
ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/XXXX, suspicious activity was reported on my Chime account. A fraudulent page on XXXX was doing a promotion with their logo and was phishing for info. I kept getting texts that I was requesting new log in codes. I called Chime to dispute it. They locked my account for three days, then it was unlocked for one day. I got a text on XX/XX/XXXX, that I changed my phone number and email to a Florida number. Which I did not!!! 
I called Chime again! Requested a dispute to be filed and my account to be closed. It was not closed, got a two new cards : Checking and XXXX XXXX Credit Card. But I can not access my account. I have not been able to access it since XX/XX/XXXX. I kept getting some type " I am not a robot '' every time I tried to log in. 
Employer direct deposited {$380.00} which he could not stop transfer from bank. I have been going back and forth with Chime Support. I am tired of sending pictures of my ID 's and SSN to prove who I am. I have been a customer for over 3 years. As of today, XX/XX/XXXX, I have no money. I still can not access my account. XXXX XXXX purchases were made from my account using my direct deposit BUT it was not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was scammed and made an ACH payment to a fraudulent account. I reported it to Chase two business days later on XX/XX/XXXX. I was told three times by Chase representatives that I would receive my money back, {$11000.00} and {$340.00}, within 5 business days. These representatives were wrong and no one investigated the Fraud, no one contacted the Receiving Bank or had any human intervention to retrieve my money. Chase admits that they were wrong but will not admit that they wasted time and made no attempts to get my money back or honor what their representatives told me. A filed a claim and was denied by three departments as they relied on the individuals who committed the errors. They passed the buck only to say that I did not read the fine print and that Chase takes no responsibility for wire transfers that I authorized even though it was to a fraudulent account and even though the required data for the transaction did not match the account my money was wired to. I have attached all emails sent by me which were also sent certified mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is not my name. This is illegal to display my name in the incorrect fasion. My name is 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 2021-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Salander Enterprises, LLC
State: WI

Complaint narrative:
I just found out that my wages are being garnished. I didn't get any notification and actually Paid for an attorney to assist me with the debt collector. I thought that someone would contact me either via mail or E-mail to inform me of some sort of date that I need to appear. At least ask about my budget to determine how much I can afford each month. Didn't happen. I don't know what to do and am going to end up homeless with 1/4 of my check taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
We are with credit repair agency, ask to removed all the negative information in my credit file, one collection it should be on my report, there are an original company was sell my account to other agency, and others two credit cards companies the accounts was placed with the debts consolidations for over two years 24 months they should be they should be paid by now still on the negative items on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX , NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!

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 2021-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CA

Complaint narrative:
ON XX/XX/2021 I submitted a packet to Transunion, in regards to the inaccurate information on my credit report. In the packet i've included a cease and desist, notarized Affidavit of truth. Transunion has violated my Consumer Rights under FCRA 15 U.S Code 1681e ( b ), 15 U.S Code 1681i ( 5 ) ( a ) ( i ) 15 U.S Code 1681b ( 2 ).

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: TN

Complaint narrative:
I sent three certified letters on XX/XX/2021 to Credit Control CorpXXXX and due to noncommunication of the letters I sent on XX/XX/2021, a copy of which is enclosed along with a copy of the ( certified mail or fax receipt ). I sent you a letter requesting validation of the above account and was received by them on XX/XX/2021. 

One collections was removed due to not being able to validate the other two still remain. 

My request was to : -Please provide a breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 


Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to have my debt validated, and you are obligated to respond within the statutory time limit. 

I then sent a failure to validate letter on XX/XX/2021 and was received XX/XX/2021, which is also attached as ( letter 2 ) also attached the certified recipets as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 XXXX  XXXX has done a hard inquiry without my concent or approval. I alredy have credit with XXXX  XXXX so there is no need to ask for new credit 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 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
The United Revenue Corp posted a {$580.00} collection on my account and I've never been to any hospitals, nor have I received any medications from a hospital. I have reached out to get this account disputed, but I haven't heard anything back yet! It has also been passed 30 day period and I need something done about this asap!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SD

Complaint narrative:
I am a XXXX year old XXXX  veteran in a XXXX XXXX. I went XXXX with my XXXX XXXX and can not read. I would call the bank to tell me what I had in checking. One day they said {$75.00} and it should be {$90000.00}. I said where did it go? The bank gave my money to someone without a signature or any correct in formation. 
I started with complaint # XXXX and XXXX. They say closed but no one contacted. I never received no money when they said they would get it all back for me. I need my money to eat.

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 2021-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GRIFFIN FUNDING, INC.
State: TX

Complaint narrative:
Griffin Funding , Inc is promoting to have access to " wholesale VA loan rates '' for their customers. This is deceptive advertising and a predatory lending practice intended to lure in and deceive veterans. There is no such thing as " wholesale VA Loan rates. '' Griffin Funding Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!

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 2021-08-30 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: TX

Complaint narrative:
I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!

Company response to consumer: Closed with explanation