vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have been banking with chime for quite awhile now and have had absolutely zero issues with them. Theyre general customer support is always very fast and courteous which makes this current situation even worse overall. On the night of XX/XX/XXXX and into the early morning of XX/XX/XXXX i had XXXX unauthorized transactions to a website totaling over XXXX dollars and completely wiping my bank account of any funds. I immediately disputed every charge and was in a frequent chat with the dispute support team with my claims. I was lead to believe that a temporary credit would be served to my account while they " investigate " the charges which was great news since i had significant bills that needed to be paid. On XX/XX/XXXX at XXXX XXXX  i recieved a very short e-mail saying no fraud occured and no credit would be issued, if i have questions to contact their support staff. I immediately messaged the staff only to recieve a computer generated response telling me i could recieve the documents they used to make their decisions but it would take at least 10 days, which is unreal to me. Im currently out over {$800.00} and its completely not my fault with absolutely no support besides the same generated computer response i get no matter the question i ask. I love this bank, its easily the best ive ever used, but this is awful and has destroyed my family and i 's mental state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After repeatedly seeking B of A to accommodate my XXXX they refused. I requested an interactive good faith process to accommodate my XXXX. I did not want a one sided opinion of my XXXX by a lay person and requested if anything were being documented in regards to accommodating my XXXX that it be shared with me so that I knew it was not derogatory. The Rep, XXXX id # XXXX then thought she put me on hold. She began telling another rep how abusive of a person I was that I was making crazy demands, that I refused to get off of the phone, that I thought I was entitled to an accommodation under the ADA. She was very derogatory in her description of me. This is exactly what I had feared when she was making notes about me. I was missing {$2600.00} from my account and nobody at the bank was being helpful. I let XXXX and the other rep know I was listening and still recording and that I thought her remarks about my XXXX wee inappropriate and disturbing. 4 Hours later a XXXX at B of A was able to locate the {$2600.00}. The bank kept telling me there we no issues with their online wires. Yet they were wrong and blamed me for their system not working. They now say it will take until the XXXX of XXXX to fix secure transfer and the migration from safe pass. They kept me on the phone for 20 hours on the XXXX trying to resolve this and another 6 hours on the 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 monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: UT

Complaint narrative:
Jefferson Capital Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this. I was very surprised. They are collecting for XXXX XXXX. I had XXXX at one point but I was unhappy with their service and returned everything and discontinued services with them. I was not told I had a remaining balance, I was never called by them because I did not owe them anything. I have no idea where this came from and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XX/XX/XXXX, I had three inquiries that I did not approve. 
Capitalone XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I sent CREDIT ACCEPTANCE CORPORATION a cease & desist letter and they are still communicating through a medium, to each consumer reporting agency, without my consent. XX/XX/2021 they received my first cease & desist letter but it's not being honored. So I am sending another one demanding to stop all forms of communication, XXXX  out the account, mail my car title, remove from each consumer reporting agency, and pay the invoice for the injuries. If this matter isn't handled, the next step is lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
I filed a dispute with Equifax on XXXX XXXX XXXX. I requested that the debt be validated and ownership of the debt be proved. I have a right to seek these 2 things under the Fair credit reporting act. Equifax ruled in favor of XXXX XXXX. Equifax or XXXX XXXX have yet to provide proof of this debt ( debt validation ) or ownership of this debt by XXXX XXXX XXXX. I filed a fraud complaint against XXXX XXXX XXXX with the SC Attorney Generals office. I submitted in my complaint the information that XXXX XXXX XXXX and Equifax have used to claim this is a valid debt. The SC attorney Genrals office agreed with me that the information supplied by Equifax and XXXX XXXX XXXX does not meet the legal requirement of debt validation nor has XXXX XXXX XXXX provided legal proof of ownership of this debt. XXXX XXXX XXXX is currently under investigation by the SC Attorney Generals Office for fraud. Here is the investigation # XXXX. XXXX XXXX XXXX has numerous complaints for making up fraudulent debts and submitting them to Equifax to scam people into paying these fake debts. I want Equifax to provide me with legal proof that this debt exist. The SC Attorney Generals office has went on record and said the documents so far that Equifax and XXXX have provided me do not meet the legal requirement for debt validation or debt ownership. I want to see the information Equifax used to rule in favor of XXXX XXXX in my dispute. Equifax is knowingly allowing XXXX XXXX XXXX to commit fraudulent acts. The CFPB is allowing Equifax and XXXX XXXX XXXX to continue to commit these fradulent acts, The attached document that Equifax supplied that they claim validates this debt and ownership of this debt by XXXX XXXX XXXX does not even meeet the standard of teh CFPB for debt validation and ownership yet the CFPB refuses to take action against Equifax and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
XXXX XXXX, I

had three inquiries that I did not approve. XXXX XXXX  Onemain Financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
XX/XX/XXXX, I had three inquiries that I did not approve. 
XXXX XXXX XXXX Netcreidt/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My issue is with Equifax, and the credit score they are reporting. According to myEquifax account, I have a delinquent account, which is negatively impacting my credit score, which is untrue. I do not have any delinquent accounts, and when I called Equifax today and spoke with a representative XXXX XX/XX/21 XXXX, they stated that they don't see a delinquent account in my record and are unsure why it is appearing on myEquifax and why my credit score has remained poor and not improving, despite the lack of delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
second contract was open less than one month after the initial contract. Wyndham credited all late fees and credited the second account. Barclays Bank Delaware still shows hard inquiry and late payments. Wyndham has sent letter and I forwarded the letter from Wyndham also but it shows late payment. 

On the vacation club for XXXX XXXX bank the same issues show on Wyndham credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
The escrow amount on my mortgage changed and I didn't know it had changed. I have automatic payments setup in my XXXX  XXXX XXXX account and have NEVER been late on a mortgage payment. My normal payment of {$1200.00} was received by 53rd bank on time as it always is but because the mortgage amount had changed and I didn't know, they did not post my payment to my mortgage. The difference if {$32.00} was only a change in the escrow amount yet they didn't apply my payment and hit my credit report with a late payment, which I was not late. 

I have been in the process of refinancing my mortgage, but I can not do that now due to the late mortgage payment report and the subsequent 200 point drop in my credit rating, which has been Excellent. 

I am very upset about this and it is costing me the opportunity to refinance my mortgage and save {$300.00} per month with the lower rates. 53rd Bank 's negligent handling of this is impacting me financially. I also would like to purchase a used car but will not be able to now due to the credit damage they have caused. 

I would like the late payment entry removed entirely from my credit report and my credit rating restored to Excellent immediately. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: IL

Complaint narrative:
I contacted Transunion explaining that I had sent them the identity theft report that they requested but once again another stall tactic stating that the document was blurry. I am again asking that these fradugelent inquires be removed from m 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 explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To whom it may concern : I went to the bank to find out that capital one decided to end our over twenty year relationship that I had faithfully even when the bank was XXXX XXXX. Im selling golden retriever puppies and Im a victim of fraudulent cashiers checks that were sent via XXXX  to my house. I had no idea that depositing these checks would result in the current situation Im in today. I even called capital one after I deposited them to inquire what would be a good release date to ship the puppy to the client. I was informed by visiting a branch today that capital one no longer wants me as a client. Ive already called and canceled my direct deposit paycheck I will be going elsewhere. 

A matter has been brought to my attention this evening from a friend who asked me if I canceled or try to send him a XXXX request. I did no such thing as I cant even securely login to my account. This matter needs to be addressed immediately. Listed below is a screen shot of the XXXX. Obviously, capital one isnt secure and I guess these scammers are now hacked into my bank account. 

I will be contacting an attorney for the way and lack of communication that capital one has had with me. The embarrassment that I went through and the mistreatment where capital one treated a XXXX plus year client as a fraud. 

Im also listing the correspondence from what I assumed was legitimate people wanting to buy a puppy. 

I recommend with your lack of security and ability to help your clients, that you terminate all my account immediately. Let this email serve as a fair warning that someone is trying to request XXXX  payments that is not me or not authorized I have filed a police report with my local sheriffs office. XXXX XXXX XXXX Sheriffs office Deputy XXXX radio number XXXX. Case number XXXX. 

All the above correspondence was emailed to XXXX Capital one case number is XXXX Ive also sent all screenshots from my phone either text messages or email communications from the potential buyers/scammers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group
State: CO

Complaint narrative:
On XX/XX/2021, a XXXX XXXX called my father-in-law and brother-in-law stating it was an urgent matter to get ahold of me. He then proceed to leave me a voicemail stating he was from Northwood Asset Management Group with a call back number of XXXX and saying he emailed me. I checked my email and their was an encrypted file asking for the last four of my social security, but the email did not disclose why I was being contacted. When I called XXXX XXXX he disclosed my full social security number to me before verifying who I was and never told me that he was calling in attempt to collect a debt. When I inquired about what it was he said that my original creditor was taking me to court for a debt. I asked if documentation was being mailed to me and he got very aggressive telling me that he was trying to help me and I was not listening to him then he hung up on me. I then called the original creditor and asked them who they sold my debt to and they confirmed that XXXX XXXX XXXX is the one who currently has my debt and their phone number is XXXX in the amount of {$2500.00}. I believe that they were phishing for money and I find it very worrisome that they have my information and was willing to disclose all of it. I did report their email to XXXX for phishing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have received a letter from Credence XXXX  XXXX XXXX, a collector company stating that I owed XXXX from an account that was open and credited to my name. This account was fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: TX

Complaint narrative:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: CO

Complaint narrative:
Penn credit contacted me today for second time asking for XXXX XXXX. I asked them this time what kind of debt it is and who is it owed to. 


They kept saying they can not BY LAW give me the information. I told them and their supervisor that I am not asking for any account detail to see if any sort of truth to their harassment. They did not. 

They also put me on silent, dropped the call, mouth off among other things.

Company response to consumer: Closed with explanation