vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: UT

Complaint narrative:
I noticed that there were Chargeoffs on my credit report which are not mine. These accounts are not mine and I don't want to report identity theft on my credit report so I wanted these companies to verify this information which is incorrect which is required under FDCPA and FCRA laws. These companies have not responded at all and one company sent me a letter which had no verification whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I noticed that there were Chargeoffs on my credit report which are not mine. These accounts are not mine and I don't want to report identity theft on my credit report so I wanted these companies to verify this information which is incorrect which is required under FDCPA and FCRA laws. These companies have not responded at all and one company sent me a letter which had no verification whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SLM CORPORATION
State: SC

Complaint narrative:
I XXXX XXXX opened 2 High-Yield Savings account XXXX XXXX XXXX XXXX XXXX  online sometime in XXXX XXXX XXXX. Upon opening the account I transferred money into the account from XXXXXXXX XXXX XXXX to fund the account.I also got a payday loan, in which they ACH deposited the loan into my account. XXXX after the deposits were made, the bank froze my account where I didn't have access to my account. I was told the account would be closed and funds would be sent back. I spoke with several customer service representatives and each time I received the run around and was told I could not get access to the account. I was then told the account was closed. I kept receiving emails about my account statement and would then call and speak with representatives in the fraud department. They assured me that the accounts were closed. After continuously receiving emails for these past 6 years about account statement, I continued to call Sallie Mae Bank and received the same response that the accounts were closed. The bank has recorded calls and notes from every phone call I have made since XXXX. I also have some phone recordings where I spoke with numerous representatives and was told my account was closed, which is was not. Lastly, on XX/XX/XXXX, I recorded a call made to Sallie Mae and spoke with XXXX and he informed me that there are 2 accounts still open. Account ending XXXX with balance of {$1000.00} and account ending XXXX with balance {$27.00}. He stated he could request the account be closed and a check would be mailed out to my address. He then called the fraud department to make sure that would be okay and he said they instructed me to send them proof of the transfer from the XXXXXXXX XXXX I then asked him to transfer me to the fraud department to get the information from them. He transferred me to the fraud department and I spoke with a representative on a recorded line. I asked her what the reason was for my account being frozen and she stated it was because it seemed like fraud. I only had 2 transactions on the account XXXX, so I didn't understand what they meant by fraud. I did not break any laws by transferring money from greendot and getting a payday loan. She stated she spoke with upper management and they said the account would remain open, but frozen. According to the law in South Carolina, a bank can only hold funds 5 years ( Escheatment ). 

I filed a complaint back in XXXX and it stated that Sallie Mae would close these accounts and send the money to the state of Michigan and I have since waited 3 years and I spoke with a representative XXXX XXXX XXXX XXXX who confirmed the accounts are still open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Somebody opened a checking account with Chime.com using my name, email and SSN. Despite me having credit freeze with all three credit bureaus Chime.com opened the account and sent a credit card to that person. I received emails from Chime.com that they are sending this CC to some address, unknown to me. Upon learning this, I asked Chime.com to close my account immediately, which they did. It is outrageous that Chime.com were able to open this fraudulent account despite me having credit freeze with the credit bureaus. What's the point of credit bureaus if they can't prevent such a simple fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have seen a credit card account which doesnt belong to me and I dont have any access to this account. It seems like it is a fraudulent account someone created under my profile.

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 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I encountered challenges with a medical collection account ( USCB AMERICA, Account Number XXXX ) on my credit report. Despite efforts to address it, the account adversely impacted my ability to secure housing. I believe there are inaccuracies and discrepancies as per FCRA Section 623 ( a ) ( 2 ). The reported amount is {$750.00}, and the account status reflects a past due amount as of XX/XX/. I have taken steps to improve my financial standing, and I kindly request a thorough investigation and removal of the disputed information as guided by FCRA regulations. When I called they said I needed to pay {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: RNN Group, Inc
State: GA

Complaint narrative:
RNN Group responded that my file was closed XXXX XXXXXX/XX/23. XXXX XXXXXX/XX/23, my HR rep. reached out to me that the RNN Group has in fact continued to send numerous emails bordering on spam due to the sheer amount sent. They stated my file was closed and yet continue to send emails. Which means they have violated their own response to this issue. I have attached their response to this new complaint. I will continue to document this issue and my HR rep. will continue to assist by providing me proof they are still in contact even though they have stated, in writing, that the file was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I reached out to Climb to cancel my loan application a day before class started on the day of their deadline. If they were to have processed my request, the loan amount would have been independent of the school. They simply stated that my email " came from an unknown address ''. They told me to reach out to the school, and I did. Then, the school told me to reach back out to them. This went on for multiple weeks. 

The latest communication I received was an apology from a manager at Climb who said she understood the situation and would reach out to the school for the issuance of a full refund. That is the first email in the chain I will attach below. I reached out several times after, but I was unable to hear back. 

Both parties assured me that the loan would not fund until XXXX XXXX. I submitted my request well in advance on XXXX XXXX, for the XXXX time to cancel my loan. I was not worried about them taking so much time, because I did not think it would come down to all of this. 

Climb verified that my loan cancellation was not submitted to them by my school until XX/XX/XXXX. This was over an ENTIRE 2 weeks after I submitted for the XXXX time, and an ENTIRE week after the loan was funded! 

After the deadline from my original email passed, Climb has been saying that I need to contact the school for a full refund, but the school has said to talk to Climb. 

Additionally, the fees and terms on the website of the XXXX XXXX XXXX XXXX say that they will '' refund all amounts received from the enrollee less a {$400.00} processing charge and less the cost of training materials shipped ( {$850.00} ) totaling {$1200.00}. '' They never received any funds from me, let my loan fund, and then are now trying to charge me for it. 

The amount that reported to my credit report said I paid XXXX of a XXXX loan!!! I disputed with XXXX and they simply changed the loan amount. 

I never received ANY goods or services, nor " Shipping Materials '', and the amount they are charging me is over $ XXXX well beyond the scope of their hidden : '' conditions ''. I just graduated and was trying to extend my education and legitimately can not pay for this. 

I am genuinely worried this will go to collections and drop my credit score from XXXX to below XXXX. 

I know the Bureau 's mission is to make sure consumers are " treated fairly ''. This has gone beyond unethical business practices and is extremely unfair. I do not know where else to go. Please help me...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was not provided with information used to determine the debt is correct. I also provided court documentation stating the debt is inaccurate and should be removed and the Experian is the ONLY bureau that is still reporting this debt.

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 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX XXXX I had sent a payment from my cash app to my XXXX bank acct they never received it and cash app told me that once The money is sent there's nothing They can do I have been back and forth with cash app and my XXXX bank trying to get my money back there is a cash tag on the cash app that looks exactly like my bank logo and I sent it to that logo thinking it was going to my bank and I think it went to someone with the same logo as My bank the amount is XXXX and I need to get it back cash app refuses to give me the name of this person so I can contact them and tell them it was a mistake and to send the money back but cash app tells me they can't delulge that info because it's private so needless to say I am highly upset with this because I can not get any of my questions answered or my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would very much at it if you could help me with this as that is a lot of money please let me know if you need anything else to investigate this thank you XXXX XXXX as you can see with the snapshot I included pay attention to the bank logo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX sent an outstanding credit card balance ( from a fraudulent credit card ) to Credit Corp Collections. This collections agency then contacted a lawyer XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX who forced me to pay {$1800.00} to settle this [ fraudulent account ] or take me to court. I never received any communications from XXXXy XXXX XXXXr Credit Corp solutions ( as they were sending me letters to an old address from where I moved out 8 years prior ). The first person to contact me at my current address was the lawyer, who was sending me the lawsuit notification. Thus, I was not notified properly regarding this debt collection. So, after I paid to settle the case ( the other option was going to court ), I then received a letter 2 weeks later from XXXX XXXX XXXX XXXXXX/XX/2023 stating that I was correct and the credit card was indeed fraudulent. I tried to contact the bank and credit corp solutions and the lawyer to get my money back however all they keep telling me is that they will investigate and will get back to me in a week. Over 6 weeks have passed and I have contacted them again and they still say they will investigate. 

In brief, XXXX XXXXXXXX XXXX Credit Corp Solutions failed to conduct reasonable investigations of disputed debts and failed to inform consumer reporting companies that information was being disputed, AND they continued to attempt to collect disputed debts without substantiating documentation and without properly notifying me prior to a lawsuit being sent to my [ correct ] address. 
The first action violated the Fair Credit Reporting Act and the second violated the Fair Debt Collection Practices Act. 

Please note I submitted XXXX other complaints regarding this matter which were already closed. However, I now have proof from XXXXXXXX XXXX that this was indeed fraudulent and not opened by me. 

I also spoke with XXXXXXXX XXXX CFPB on the phone regarding the update on this case. I will attach the latest letter from XXXXXXXX XXXX stating that this was indeed a fraudulent account that was NOT opened by me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XX/XX/2023, I received notice from XXXX XXXX XXXXXXXX that my credit score had negatively changed. Upon receiving this notice, I reviewed my credit report and noticed that Barclays had shown me XXXX-days delinquent on XXXX of my credit cards. I then went to Barclays ' website to look at my accounts and printout any statements that could shed light on the problem. It turned out that I had made a charge on the card in the amount of {$7.00} in XXXX on an XXXX XXXX flight. However, Barclays had failed to send me any statements or provide electronic notifications. I immediately printed out the missing statements and made payment of the {$7.00} from the XXXX charge. I then contacted Barclays to address the late fees and interest. After discussing the issues, Barclays agreed to remove the late fees and interest charges. However, they wanted me to pay the {$39.00}, which would be credited back on the next statement. I explained that this seem rather unusual and a waste of everyone 's efforts. But the staffer stated it was policy. I requested to speak with a manager, who called me back the next day. After the manager 's review and based on our discussions, it was agreed that I did not need to send any money and the account would show a XXXX balance on the next statement. It was also agreed to restore my credit limit back from {$500.00} to the original {$20000.00}. I requested, and the manager agreed to work with the consumer credit reporting agencies to correct the faulty reporting, to restore my credit rating. I filed dispute notices with the agencies and got the usual response. I have tried to work with Barclays, but just get form letter. The latest letter states that Barclays will advise the consumer credit reporting agencies that I dispute the information that Barclays provided. However, they have not given any indication that the manager or anyone from Barclays is make an effort to correct the faulty reporting and get my credit rating restored.

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 2023-12-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an Amex gift card of XXXX dollars and a XXXX XXXX fee at a XXXX store. The purchase was a gift, and when I gave it to my parents it doesnt work ANYWHERE. Not online, not in XXXX XXXX, not in any convenient store or gas station, not even in the XXXX  I had made the purchase. Ive called the company and XXXX  gift card costumer service and neither were helpful at all. XXXX basically told me well its your money figure it out, your complain is noted. The Amex costumer service wont even answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : SYNCHRONY AMOUNT : XXXX $ & XXXX $ and additional NSF for ACH trying to withdrawal. 

DATES : XX/XX/2023 & XX/XX/XXXX COMPLAINTS : Around about XXXX of 2023 I got a sudden notification that my account had been closed for CARE CREDIT whom I had the debt with. Now SYNCHRONY is the parent company and arbitrarily closed the account even though my payments were on time and current. Then after they closed it, they just went into my account without permission and started taking ACH withdrawals. I did not authorized this.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC
State: IL

Complaint narrative:
I am a victim of identity theft, and these are the following XXXX credit bureaus that reports a fraudulent inquiry for an individual seeking Credit which inquiry are not mine. 

A total of XXXX inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bridge IT, Inc.
State: MO

Complaint narrative:
XXXX is a self builder online service that has been charging me {$9.00} a month every month for a service I did not sign up for. They are stating that I have 2 accounts with them, one from XXXX and another from XXXX and have never used thier services and I have not been able to cancel said membership with receiving an error online or never a confirmation that it was cancelled. Ive been charged over {$120.00} and received no help from their customer service team to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I was trying to sell a computer via XXXX XXXX place and was contacted by a potential buyer. They wanted to use Zelle to transfer money which I was fine with considering I've used it many times before. They pretended to send me {$900.00} but a " business credit limit '' required {$1500.00} on their end to be sent and I'd have to send back {$600.00}. They had emails send out that replicated Zelle and it tricked me into sending them {$600.00} in two {$300.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Date Opened : XX/XX/ XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation