vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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 — Problem with personal statement of dispute
Company: Chime Financial Inc
State: LA

Complaint narrative:
I got a credit builder card with Chime when getting the card it never said anything about a credit limit and after talking to them yesterday it never was one I was transferring my own money onto this card spending my own money then after checking my credit my score dropped from XXXX to XXXX and it was because of this card after talking to them about reporting to the Credit Bureau about credit I wasn't getting from them they said when getting a new credit card your credit score do this but the problem is they said I had a {$220.00} dollar limit that doesn't exist but they reported like it was dropping my credit score down for credit I'm not getting and will not resolve the problem they have caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I had a debt of {$94.00}?? to XXXX. When I went to get XXXX work done, they asked for that payment. I paid. 

XXXX insisted that I owed them and to pay them. 

When I checked my credit report Radius Global was on it. I have no contractual obligation with them, I owe no money to them and I received no mail from them or phone call. 

After I paid XXXX as they asked me, I got a notification from Radius stating that I paid after the chargeoff. 

I am not going away and will file a lawsuit later today. 

I never recieved mail or phone calls from them. I had no idea who they were until they reported on my 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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
XXXX XXXX was contacted by phone XXXX. I spoke with 'XXXX ' who said they would call back on the landline I was speaking over. When 'XXXX  ' returned my call I was told yes my e mail address had been hacked and it would cost $ XXXX a year to block it. I will attach a screen capture of what appears to be eastern XXXX dating sites I have never contacted. Prior to 90 days ago, the only return for a search of my e mail address was two family DNA sites. The sites added approx. 90 days ago show bolded " XXXX XXXX XXXX '' and all contain gibberish word salad that anybody would realize are malware sites. I have filed complaints with FTC and FCC ( file numbers attached ) and XXXX ( attached ) and have received nothing but auto responses. On XX/XX/XXXX I attempted a 'Who Is ' search of the two domain names of these 6 slanderous sites use of my e mail and found they had all been " redacted for privacy '' as of XX/XX/XXXX. 
I have used this e mail address since approx. XXXX while using XXXX as dial up ISP to sign onto XXXX. XXXX XXXX has not been involved in E mail for years, I have used XXXX since I first got a computer and Malwarebytes BLOCKS all attempts to access '.club ' sites. All of these 90 day old sites are .club. This is slander, libel invasion of privacy and RANSOMEWARE by 'XXXX  XXXX at XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
I am asserting my rights as the Consumer pursuant to Title 15 U.S.C 1692a Monterey Collection Service fraudulently reporting to XXXX credit agency on XX/XX/2018 an alleged debt without proper validation of the alleged debt. I have no contract with Monterey Coll SVC. They haven't spoken to my peers, which is the only way the can validate the debt. 

The only way Monterey Collection Service or anyone or thing can put something on a credit report is by Federal judge order or I asking as the Consumer and Authorized Representative. I most certainly didn't request to have this added to my report nor did a Federal judge order to put anything on the credit report for the NAME I am the Authorized Representative of. 

Monterey Collection Service is in violation pursuant to 15 U.S.C 1692a ( 2 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692e ( 1 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692d I will use my rights as a Consumer pursuant to 15 U.S.C 1635 to rescind any signature I will use my rights as a Consumer pursuant to 15 U.S.C 1692g ( c ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I attempted to purchase XXXX  tickets! I spoke with a gentlemen via text and email we discussed I would send transaction via XXXX and he would send tickets via XXXX. I sent the money he never sent the tickets. I reached out to my bank and the XXXX department but they said there is nothing they can do!!

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 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Received phone call in early XX/XX/2021 from Medical Data Systems notifying me that I owed {$760.00} to XXXX XXXX XXXX. I told them I had no recollection of this bill and to please mail a statement to the verified address they have on file. Representative refused saying that the statement had already been sent previously. I explained that I would not be giving payment information to an unverified collection without seeing written notification. 

Received phone call in early XX/XX/2021 from Medical Data Systems notifying me that I owed {$760.00} to XXXX XXXX XXXX. I told them I had no recollection of this bill and to please mail a statement to the verified address they have on file. Representative refused saying that the statement had already been sent previously. I explained that I would not be giving payment information to an unverified collection without seeing written notification. 

XX/XX/2021 Med Data Sys hit my credit for collection in the amount of {$760.00}. 

After finding their contact online, I called on XX/XX/2021 to resolve the issue but they still refuse to send me a statement via mail

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 2021-09-20 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: 3rd Generation, Inc.
State: CA

Complaint narrative:
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.

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 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA

Complaint narrative:
XXXX XXXX XXXX was a total loss in XX/XX/XXXX. XXXX paid their insurance balance of the car which left it to Gap to pay remaining of the balance. Gap of of today XX/XX/XXXX just processed their payment for the remaining of the balance owed to the Auto financial company. A late payment was added onto my credit that was incorrect and shouldnt have been added since they were informed on receiving the remaining payment of the car. Gap just made the payment and will be sending out a letter stating that sometime this week stated from the account manager who is working my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Original credit company, Comenity Capital bank XXXX New York & Company credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to Comenity but only can pay XXXXXX/XX/XXXX. So I settled for XXXX on XX/XX//21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but Comenity Capital Bank is still reporting the same account as a charge off. I then disputed with XXXX, XXXX and XX/XX/XXXX along with copies show proof but they only updated XXXX and all will not update to paid/settled for Comenity Capital Bank XXXX Even though the letter clearly references that the original creditor is Comenity Capital Bank. I am filing a complete because I need Comenity bank and credit bureaus to update my status to settled and not charge off with zero balance. Your assistance is greatly appreciated. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander repeatedly abused me by continuously calling several times a day. After receiving my letter advising them not to contact me unless they are terminating the alleged outstanding balance. They called and I spoke to one of their representatives. Santander will do what they want to do regardless if they are violating my rights as a consumer. The last tactic was to send me a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter threatening to repossess my vehicle. How can one repossess something that does not belong to them? 

Santander continues to try to destroy my reputation with such antics. I never gave them written permission/consent to report any of my factual data to any credit reporting agencies or any other entity. 

I have attached all of the documents sent to them. Please assist with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
During covid 19 of last year we had lost our jobs and were able to work for quite a bit. I had contacted Shellpoint Mortgage last XXXX XX/XX/XXXX and requested a forbearance, they received a hardship letter and info they needed. XXXX came up and we started getting letter about being behind on our home and late fees were added on for months it didnt seem like a forbearance ever happened, i had been in contact with this company with emails and phone calls. For some reason or another the gentlemen couldn't open up my Pdf or didn't receive it everytime, i would call and talk to someone else and they had no idea what i was talking about! there was no communication threw dealing with shellpoint mortgage and this covid 19 crisis. The last conversation i had with this company was absolutely horrifying this was XX/XX/XXXX while trying to get someone on the same page as me or even to point me in the right direction, the employee on the other side of the phone was so rude as i am crying about the possibilities of losing our home. He then asked me if i had any wealthy friends that could loan me the balance was due on my home, which was XXXX i was shocked, and then he goes on and says u should sell your home. i have XXXX children under XXXX!!! this was not ok with me and im sure alot of others feel the same,. On XX/XX/XXXX we recieved a letter of a loan transfer to a new company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: DISCOVER BANK
State: WI

Complaint narrative:
In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: OH

Complaint narrative:
I have emailed them to tell them that to close my bank account after they threatened to take out wages from my paycheck. 
Today 's date XX/XX/2021. They dont have a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is deliberately causing me hardship and defaming my character as well as intentionally violating my consumer rights. I wrote to Experian on XX/XX/21 requesting they update/ correct my address and send me a updated credit report in the mail. Which they have not. Also on XX/XX/21 I mailed them a letter requesting they correct my credit report and send me a updated copy, at which I have still not received a response nor a copy of a updated Credit Report in the mail from them. I feel they are intentionally ignoring my requests and continuing to report negative, inaccurate accounts on my 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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITYT THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITYT THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX FL 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
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal closed my account for no reson and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just i cloud the a report in here as i feel they are not doing their job properly and if is effecting me a great deal as i used paypal quite temoprely my email to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation