vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
The car was send back due to a factory defect and was charge off by a lender and are asking to pay for car thats not in hands

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX. XXXX XXXXXXXX XXXX  XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen 2. World Finance January XXXX XXXX  This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise 3. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow on the CFPB complaint # XXXX. Today I received an email with the " XXXX XXXX '' logo in the normal upper left hand corner, again stating that I needed to call or get charged to my account. I did not respond, and deleted this email. Since the original scam, I have changed that credit union account number, as well as my corporate account number, added a new anti-virus software ( XXXX ), and paid for a local software company to take control of my laptop for a " detailed security inspection and malware removal ''. 
What is CFPB doing to require XXXX XXXX to notified that their logo is continually being used by scammers?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}, XXXX  XXXX Balance : {$20000.00}

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY! I SHOULD NOT HAVE TO LIVE LIKE THIS HAVING TO BE CONSTANTLY HARASSED AND DISCRIMINATED AGAINST BY THIS HACKER THAT HAS STOLEN FROM ME ANS IS CONTANTLY TRYING TO STEAL THE DEED TO MY HOME! 

THIS HACKER IS STILL ILEGALLY HACKED INTO THE PUBLIC LIBRARY SYSTEM WHERE I AM USING A PUBLIC COMPUTER AND NO ONE IS DOING ANYTHING ABOUT IT11 THIS IS AN ILLEGAL CYBER CRIME! DO SOMTHING ABOUT IT ALREADY AND AMKE THIS HACKER FACE CRIMINAL CHARGES ALREADY! HE IS HACKED IN ILLEGALLY RIGHT NOW AS I SEND THIS COMPLAINT IN! 

WHEN YOU SEE THE ATTCHED ON THE COMPUTER OR LAPTOP HERE THAT MEANS HE IS HACKED INTO THEIR SYSTEM AND ILLEGALLY COMMITTING A CYBER CRIME! HE NEEDS TO FACE CRIMINAL CHARGES ALREADY!!!

THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Ive been a chime customer for few years now. My direct deposit is missing. I get paid every other Thursday. XX/XX/2023 is my pay day. I havent received my direct deposit. I reach out to chime on XX/XX/2023 and they inform me they havent received it yet when they do theyll post it. My direct deposit is never late. So I reached out to my employer XXXXXXXX XXXX XXXXXXXX XXXX confirmed they set their payroll out that Tuesday XX/XX/2023 and there wasnt a delay. They also provided me with the federal reserve tracing number so I can track it. I called chimed back to provide chime with the tracing number to locate my direct deposit and they said they have no way in tracking it. So I called my employer back. My employer found chimes processor which is XXXX. XXXX confirmed that they received my direct deposit XX/XX/2023 and sent it over to chime. That Friday what I talk to a supervisor he confirmed he sees my direct deposit it say payment pending but its not released. I should get my direct deposit that day Friday XX/XX/2023 which I didnt. I called chime back today XX/XX/2023 and they claim they still do t have my direct deposit. They dont try to look up my direct deposit with the ACH number I provided them with. I have 2 different entities saying confirming that it was sent to chime and also proof from the ACH number. Chime is holding my direct deposit, and keep giving me the run around. My employer talked to XXXX as well. Chime also emailed me saying we notice something changing with my direct deposit, which I did not change anything. Chime is messing with my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information and credit were used to open a fraudulent XXXX XXXX Account # XXXX. This account has a balance now of {$17000.00} and is appearing on my Transunion credit report file # XXXX. 
I have filed an identity theft report and filled out this written statement as per requirements of the FCRA, and would like to exercise my rights under the FCRA 605 ( b ) to have this item removed in no less than 4 days of the receipt of 1 ) A written statement 2 ) An Identity theft report # XXXX XXXX ) Proof of the identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: SC

Complaint narrative:
Previously filed complaint, however, complaint was closed without full investigation. 

ERC  is attempting to collect debt for returned XXXX XXXX XXXX  equipment. 

I found the receipt for returned equipment and will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
don't see how my bank could've allowed these people to make so many transactions without alerting me POSSIBLY SUSPECT OWNER OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  Possibly a XXXX man that live in the back of goes by the name meaning Been arrested at XXXX XXXX XXXX XXXX XXXX XXXX California Scheme scammers bank fraud Dummies got XXXX XXXX to delivered to their address From US Bank and bank card information From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : FRAUD TRANSACTION OUT MY US BANK ACCOUNT XXXX XXXX DELIVERY TO ADDRESSES To : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Email : XXXX I XXXX XXXX XXXX do state the below state are true best to my sound mind ability and knowledge. 

I'm a XXXX XXXXXXXX Attorney Assistant. I do want to press charges with the District Attorney I XXXX XXXX born XX/XX/XXXX Social Security number ending in XXXX bank with US Bank. 

I called my bank today. Was informed that transaction were made between XXXX XXXX XXXX  Transaction like XXXX XXXX which would require a address for orders to be delivered. 

This should be a way to locate or get an ideal who been communicating FELONY bank fraud with my account. 

Seem like they were more active on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Stolen over XXXX out of my account. 
Bank informed me to file a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I was scammed into sending funds via my Citizens mobile banking XXXX app to another user who was supposed to buying a {$50.00} dress from me on XX/XX/XXXX. Started harassing me via phone and email and sending me emails impersonating XXXX and explaining that my account needed to be upgraded to business etc etc and scammed me into sending additional funds via Citizens banking app for XXXX user. 

After realizing what happened- additional funds were being taken from my debit card /checking account. Citizens bank wrongfully did not close my account when it happened, which caused further debits on my account. Citizens also did not know they needed to file my online claims- instead directed me to file through XXXX XXXX 
Weeks later after finally getting in contact with XXXX they explained no in fact citizens should file themselves and reimburse funds. 

I believe the total amount of money is around $ XXXX {$1500.00}. There was a fraudulent charge on XX/XX/XXXX on my same account for a hotel in my area that I have never ever been to- and I have tried explaining that to the bank as well- and they have yet to credit me any of my funds back. 

I have had to RE FILE the claims multiple times due to the lack of understanding and appropriate action taken by the citizens bank claims department employees. I have been told that my problem would be escalated and Id receive a call 24 hours later, to not receive a call for weeks- for me to have to call yet again to follow up about this matter. 

I immediately filed a police report in my local township and have been working with the detective on this. 

I have attached some relevant screen grabs from the incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 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: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Friday, XX/XX/2023, at XXXX XXXX  first call. Several calls to me after - harassment. 

I received my first call as an urgent voicemail from XXXX, she said she was with Professional Credit Services, phone number XXXX. 

When I called them back a different lady answered my call and would not transfer to this XXXX. 

She said that they are collecting on an urgent debt and will be taking action and reporting to credit agencies if I don't pay now. Stupidly I gave her my birthdate and thought omg why did I do that, she asked me for my address and I told her I would not give that to her. She was mad. I know better than to give someone my birthday but she got me really upset. 

The debt she was with a XXXX XXXX. I told her clearly ' " I never had an account with them in my life and that she committed fraud and I was recording the conversation, which I did record and I have it on my phone if you want it. 

Again, I have no debts at all. Also, I filed XXXX XXXX during covid but this company was never listed because again I never had an account with XXXX XXXX  or whatever she was calling it. 

Please advise what to do and what you can do with this information, I am worried they are calling many people and they are all frauds. When I asked her my email they said a XXXX, (? ) I said that is wrong I gave them my email and said send to this to me in writing. I have not seen anything yet. 

Thank you so much.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo collections was paid off, and they keep reporting this as charged off even though everything was paid!!

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