vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Hello my name is XXXX XXXX, Im contacting you all because I dont know what to do I dont know where to start. But I have an account with credit karma money spend and my money keep coming up missing out my account. It has to be an inside Job they wont give me my money back. XXXX 6 times and they are not investigating or doing anything please help ( credit karma money spend )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
I had 4 1/2 appointments with XXXX XXXX and have the email documentation to show this. On XX/XX/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 tried to get medical help but the XXXX XXXX tech utilized harassment and intimidation through other jobs to make sure I was unable to get medical help. I tried since XX/XX/XXXX to email XXXX XXXX and tried their corporate to receive no resolution. They may have even allowed other people to come in under my name or for free. I worked hard after divorce/abuse in XXXX to raise my credit score from XXXX to a XXXX. My goal is an 800. I pay to fortiva lending as agreed for the retail credit card. One payment I submitted on time in XXXX of XXXX but it wasnt processed till XXXX XXXX  and they charged a late fee though it appeared to be a technical issue of 4 hours. Now that Im asking for help to get money refunded for what I havent used fortiva is neglecting to help and just keeps transferring reps. They were told that ideal image used an unqualified/unlicensed tech and when I reviewed Ohio codes they should be licensed in Ohio. Fortiva is also aware I was assaulted in XXXX XXXX business, then further harassed and intimidated. Can you please find a way to help so I can not effect my credit score badly and not make payments to a place where Im not receiving service and was injured. Its making the trauma related to this worse! 

Ally lending seems to be helping unlike fortiva. I am hoping this report helps to ensure I do t get hurt further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
Car was deemed as a total loss and paid off by insurance and gap insurance

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 2022-03-03 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: MD

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} USDOEXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have worked very hard to never have a late payment towards my creditors. Upon refinancing my home, I made arrangements to pay off my XXXX card. The payment was due on XXXX title company cut check to XXXX on XX/XX/25 and it was sent immediately. By the time XXXX processed the check it registered as past due 30 days. I have had perfect payment history with ALL of my creditors up until this entry

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Hello, I received this in the mail today regarding a medical bill. I have not been to the hospital at all, nor am I liable for this debt. I also have insurance so my insurance would have covered this expense in full! This has to be a billing error. Remove this at once as this is tarnishing my credit score and was NOT authorized. I have not been to the hospital

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 2022-03-03 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I requested my XXXX and XXXX XXXX account to be closed whan I moved to a new address. XXXX and XXXX only shut it a few weeks later, and as a result I received a bill for a time period of several weeks during which I did not reside at that address anymore. I believe that I shouldn't be paying this bill. 
Collection Bureau of the Hudson Valley is attempting to collect this debt and has reported it to the credit bureaus. I an requesting this collection to be completely deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: UT

Complaint narrative:
This relates to 2 transactions I tried to dispute with Chase. 

The first was an ordered placed on XX/XX/XXXX for an amount of {$960.00}. I received the merchandise after the agreed upon date an contacted their customer service to return the item for a refund. Despite following their steps, I never received my refund and they did not respond. After that, I contacted Chase to dispute the charge. A temporary credit was issued while they investigated the charges. 

The second transaction was placed on XX/XX/XXXX for an amount of {$3700.00}. The items never arrived. When I contacted customer service, they assured me they would issue a refund. I waited over 3 weeks for said refund but it never came. I then contacted Chase asking to dispute the charge. 

In both instances, Chase requested additional documentation after I had provided initial information. I asked how I could provide it. I tried calling multiple times and was placed on hold over 4 hours each time. I tried emailing and did not get a response. I tried using their secure messaging through their website and the only response I got was an automated reply saying there are delays. After multiple attempts to provide the requested documentation, Chase declined to issue charge backs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX556****-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00}

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had opened my credit card in XXXX of XXXX. It was a personal credit card, not a business credit card. The name of the credit card is know as XXXX XXXX. Wells Fargo Bank closed out my credit card account on XX/XX/XXXX. My credit card was never paid late, not even once. I also never went over my credit limit. I opened a business checking account in XXXX with the same bank and my business itself did suffer throughout the year in XXXX, but I never used my credit card for that business in any way. I noticed in XXXX that once the business checking account had fallen into the negative for about {$300.00}, a few months later the bank closed out my personal credit card and then sent me a letter to my home with no descent explanation. Even when I called the bank one representative had told me he could not find any real explanation as to why the bank had closed out my personal credit card with them. I put in a request to speak to someone such as a manager and even when I did get that call a few days later from a manager, they still gave me generic info with no specific reason to the closure of my credit card other than they have the ability and right to close out any account at any given time. Closing out my personal credit card hurt my credit rating and was so uncalled for unless I had not taken care of that particular account in which again, I know I did. To resolve the problem, my request is that the bank reopen that account, or I will also file 2 more complaints. One with XXXX XXXX XXXX XXXX  and one with the NJ Attorney General Office.

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 2022-03-03 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: MD

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX 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 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
I originally closed on my FHA Mortgage loan with XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my FHA Mortgage was sold to BSI Financial Services in XX/XX/XXXX. Effective Date of Transfer was XX/XX/XXXX according to documentation. I have received a Notices to Taxpayer - 1st Half from the XXXX County Treasure office indicating that there is now a Delinquent Real Estate Property Tax amount {$1600.00} that became delinquent XX/XX/XXXX which was to be paid from my Escrow account by BSI Financial Services. I immediately called BSI Financial Services after receiving this notice on XX/XX/XXXX and the representative who I spoke to indicated that the transfer was performed in XXXX and that is why they were not paid. I was told that my property taxes would be paid. I have received another notice from the XXXX County Treasure office indicating these still have not been paid. I called BSI Financial Services again on XX/XX/XXXX to get an update to be told the same thing. I have {$4000.00} sitting in my Escrow account in which I have personally paid into and my home is at risk of newspaper publication for BSI Financial Services failure to properly cooperate & disburse payment to the XXXX County Treasure Office for the delinquent Property Taxes. After researching BSI Financial Services it appears that BSI Financial Services is known for inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums and it appears that I am now a victim of this. However it is not that its untimely it's that they aren't cooperating to pay them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have disputed inquiries to Equifax in what should be part of a shopping window. On their website it says if you get an inquiry for home shopping or car shopping then between 15-45 days it should only count as one. My risk factor says too many inquiries are impacting score. They are mortgage pulls and should be in Equifax 's shopping window. I disputed online and the dispute was closed very quickly stating " inquiries are a factual record and will remain on file for two years ''. There is no place online for me to explain this is within their own shopping window. I call and no one knows what I am talking about. This is very frustrating to me and makes me angry that they are violating their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
Car was traded and paid off, showing late payments

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged into my Chase checking account. I discovered over $ XXXX in unauthorized transactions going back to XX/XX/XXXX. They were all listed as XXXX transfers and instant transfers, none of which were mine, ranging in value from {$1.00} up to almost {$500.00} per transaction, usually 2-4 charges at a time of the same amount. I never once had received any alert from Chase as to this unusual activity on my account. The transactions were not through my XXXX account, but evidently a " guest account ''. Chase bank says they will only reimburse for the 1st 60 days since the first transaction was made, claiming I should have been looking at my statements. In writing, they responded : " We will not be crediting certain transactions because you are responsible for any transactions that occur more than 60 days after we send the first statement on which these transactions appear, which was XX/XX/XXXX. '' With a XXXX XXXX XXXX husband who is also in the XXXX XXXX XXXX XXXX and a child struggling with remote learning over XXXX, the last thing I had/have been thinking about over the last year was monitoring my checking account. I fully expected to receive alerts if there was unusual activity. I repeated reached out to Chase to help from XXXX, but to them, I am " just a statistic '', as my Chase Private Banker told me, with condolences. 
Likewise, XXXX has been terrible to work with, from filing inaccurate claims with only 1 transaction included that was an authorized transaction, then denying the claim and closing the case, to providing me with fake case id numbers, to sending me from one department to another, only to be told that they are not responsible for this activity.

I hope that Consumer Finance can publicize Chase 's unethical treatment of their client, and hold them responsible for reimbursing us the {$11000.00} that was hacked from our checking account. Additionally, I hope that you can publicize XXXX 's irresponsible mishandling of my complaint and data leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I received a IRS tax refund on XXXX for {$8800.00} ; plus {$470.00} for my boyfriend 's tax refund as well as our regular paychecks on XX/XX/24 ( which gets deposited for both of us every 2 weeks ). Everything was fine but then on XXXX ( one day after the refund was given ) my ENTIRE account was emptied out without consent or notification. They withdrew all the money out of my checkings and savings account in the total amount of {$8900.00} and even charged a {$55.00} " legal fee ''. I HAD NO IDEA THIS WAS HAPPENING MY BANK DIDNT CONTACT ME OR THE LAW FIRM THAT GARNISHED ALL MY MONEY. I called XXXX XXXX and they basically told me this is a legal matter and gave me the number to the law firm Zwicker and Associates at XXXX office XXXX and wouldnt let me speak to the legal department or fraud department. They told me that this firm has money and that I have to call them and left me high and dry. So this morning I have been trying to get in contact with this law firm ( which has legal action against me without any notification by phone, email or mail- this account with XXXX is over 10 years old and they have NEVER contacted me or garnished any of my paychecks before. I called them and spoke with several different offices and kept being referred back to the XXXX ( XXXX XXXX ) BUT NO ONE PICKS UP THE PHONE THERE- it says the extension XXXX does not subscribe to this service when you try to get to an operator it says the number can not be reached from this service and hangs up. SO at this point, I have NO IDEA WHO TOOK MY MONEY OUT OF MY ACCOUNT OR WHY- this debt. with XXXX is over 10 years old and they don't even have the correct information on me which is probably why I never received anything and they ZEROED out my account to the last penny!!! My bank just let this all happen- did not contact me as well. When I called, 2 agents told me I gave consent for this ( which I definitely did NOT because I didn't even know this was happening never recieved any documentation from the law firm or bank NOTHING ) So at this point I have no money and no way to get it back. I just had a baby and that was what the tax refund was for and now it is all completely gone and XXXX XXXX let it happen!! Also the debt with XXXX was way less than they took from my account by over XXXX dollars!!! They left me with completely nothing and isn't it required by law that they leave at least 25 % of your wages in your account when garnishing ( if this was even legal )? I tried to explain this to the bank and they said that they can take my money without my consent and that they now have your money so call them! Which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is reporting an account on my consumer report without my expressed written consent. I am a consumer who is not in contract with EQUIFAX and I do no consent to the reporting of XXXX XXXX on my consumer report. 

This is a violation of my privacy rights and a violation of 15 USC 1681b Permissible purpose of consumer reports. Under 15 USC 1681b ( 2 ), EQUIFAX can only furnish this account with my expressed WRITTEN consent. No consent is identity theft under Federal Law.

I initially notified EQUIFAX on XX/XX/XXXX, and followed up with that notification on XX/XX/XXXX. EQUIFAX sent me an automated e-oscar response dated XX/XX/XXXX stating " We verified that this item belongs to you. This account has been updated... '' In my initial notice I state that " An automated response or e-Oscar verification is unacceptable. '' I notified EQUIFAX of their violation of 15 USC 1681b Permissible purpose of consumer reports because they do not have my expressed written consent. And they have failed to comply with the law. EQUIFAX now has reasonable cause to know that the mentioned account is being reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I sent a Validation letter to Amsher to validate a false collection and they sent misleading forms which is a violation of my consumer rights, like HIPAA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation