vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Myvemo debt acct is lock and no one can tell me why. They are sending me back and forth.telling me to a number where no one can answer XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: KS

Complaint narrative:
My credit union monitors my credit report changes and notifies me. I received an email from my credit union that there had been a change on my Transunion credit report. I had not initiated anything. I printed my Transunion credit report and discovered that a derogatory, inaccurate account with XXXX Bank had been added. Two ( 2 ) concerns : 1. I have never had any type of account in my name with XXXX Bank. Delete record. 
2. At one time my wife, XXXX XXXX XXXX XXXX deceased ), held a XXXX Bank credit card. 
She had been an accountant with several, small companies and always kept the billing well organized. I am a mechanical engineer, earned the majority of our income and paid the bills online from our joint checking account, according to her organization. Never late. The Transunion credit report account entry from XXXX Bank shows a last payment on XX/XX/XXXX and a past due balance of {$5300.00}, charged off. She passed away in XX/XX/XXXX. I do not have her XXXX Bank account number and would not be four ( 4 ) years delinquent. The partial account number listed on the Transunion report is XXXX. If this is her account, it is completely inaccurate, as she always made small charges and I paid all invoices on time. XXXX Bank must revise credit reports in her name to indicate " Paid-in-Full '' and never late. 

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
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX Credence Rm Opened XX/XX/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 CREDENCE 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 Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I have an account with Coinbase for the last 3 years. Recently, I am unable to open the account and transfer funds. I reached out to the company via the contact us option and each time they get back saying things are fixed but not really. 

While logging in to the account it asks for 2 step authentication SMS and I am not receiving any text. I verified the account with Coinbase by state ID but not a good response. 

At this point, I am not sure what is happening and want to access or close the account ( transfer the fund to my personal bank account ) Steps taken Issue reported on XX/XX/2021 : Issue reported again XX/XX/2021 : Issue reported again today XXXX XXXX XXXX They do not have a customer support for Account issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: VA

Complaint narrative:
I submited a dispute wihth Experian to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Experian, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence ) and Experian disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Experian on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless XXXX XXXX tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to XXXX XXXX, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with XXXX XXXX again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - XXXX XXXX validated the late payment and could not provide me with proof or comments from XXXX XXXX. Also, XXXX XXXX is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like Experian says to call XXXX XXXX, and then XXXX XXXX says to call Experian - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that Experian was responsible to make sure XXXX XXXX corrected their error and see their oversight, but Experian said no and there is nothign they can do if XXXX XXXX keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to XXXX XXXX XXXX Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.

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 2021-01-21 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: GA

Complaint narrative:
I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
A letter dated XX/XX/21 was sent to my parents house by XXXX XXXX XXXX stating that I owe {$230000.00} in XXXX student loans to a company named XXXX. I have never taken out a student loan, nor have I ever worked with XXXX. I do not owe on any student loans.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: PA

Complaint narrative:
Numerous calls to cell phone for another person who allegedly owes money to XXXX. Advised them that the person doesnt own this number and we have never owned a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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 SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, COCOA, FL XXXX XXXX Opened XX/XX/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 ( XXXX ) In general No person XXXX 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. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX 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 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 XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, COCOA, 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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I AM A SINGLE WOMAN AFFECTED BY COVID. 

I HAVE BEEN TRYING TO PAY OFF A MORTGAGE SINCE XX/XX/XXXX. 

SHELLPOINT MORTGAGE SERVICING PROVIDED PAY OFF FIGURES TO ME ON XX/XX/XXXX. THE PAYOFF FOR MY LOAN IS {$170000.00} THE FUNDS TO PAY OFF THIS MORTGAGE ARE FROM AN ALL CASH BUYER WHO IS PURCHASING MY PROPERTY. TOTAL AMOUNT OF THE SALE IS {$190000.00}. THIS AMOUNT CLEARLY IS SUFFICIENT TO PAY THE MORTGAGE IN FULL. THE BUYER IS READY, WILLING, AND ABLE TO PAY OFF THIS LOAN IMMEDIATELY. 

TO DATE, SHELLPOINT MORTGAGE SERVICING HAS BEEN UNWILLING TO PROVIDE THE NECESSARY INFORMATION TO THE CLOSING ATTORNEY/TITLE COMPANY IN ORDER THAT THE LOAN CAN BE PAID OFF. 

BECAUSE OF XXXXXXXX XXXX INACTION, I AM AT RISK OF LOSING THE BUYER WHO WILL NOT WAIT FOREVER. ADDITIONALLY, SHELLPOINT IS CHARGING ME INTEREST FOR EVERY DAY. 

APPARENTLY SHELLPOINT MORTGAGE SERVICING NEVER TRANSFERRED OR RECORDED THE TITLE/DEED FROM THE ORIGINAL LENDER. ACCORDING TO COUNTY RECORDS, THE MORTGAGE LEIN IS WITH THE ORIGINAL LENDER WITH WHOM I OBTAINED THE ORIGINAL LOAN. THIS LOAN WAS SUBSEQUENTLY TAKEN OVER BY SHELLPOINT MORTGAGE SERVICING. 

WE HAVE EMAILED, SPOKEN TO, AND LEFT MANY MESSAGES FOR OUR DESIGNATED CONTACT AT XXXX. I HAVE EMAILED THE CEO, THE CEO OF SERVICING, THE COO, AND THE CORPORATE ATTORNEY OF SHELLPOINT. 
TO DATE, I HAVE RECEIVED NO RESPONSE. 

NO ONE AT XXXX IS WILLING TO HELP ME RESOLVE THIS PROBLEM. 

SIMPLY PUT, XXXX MADE A MISTAKE WHEN THEY TOOK OVER THE LOAN. BECAUSE OF THEIR MISTAKE NO TITLE COMPANY WILL RECORD A NEW SALE BECAUSE THE DEED SHOWS A DIFFERENT LENDER. 

SHELLPOINT CAN CORRECT THIS PROBLEM EASILY AND QUICKLY. SHELLPOINT IS THE ONLY ENTITY THAT CAN CORRECT THE PROBLEM. 

I HAVE CALLED SHELLPOINT EVERY BUSINESS DAY SINCE XX/XX/XXXX. I WAS TOLD ON XXXX DIFFERENT OCCASIONS THAT A SUPERVISOR WOULD CALL ME BACK. TO DATE, XX/XX/XXXX I HAVE RECEIVED NO ACTION FROM SHELLPOINT. NOR A RETURN CALL FROM A SUPERVISOR. 

I AM DESPERATE TO FINALIZE THIS SALE AS I NEED THE MONEY AND I NEED TO GET OUT FROM UNDER THIS DEBT. 

PLEASE HELP ME. 

MY DESIGNATED CONTACT AT SHELLPOINT MORTGAGE SERVICING IS : XXXX XXXX. XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXl Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX from XX/XX/XXXX + Personal Loans XXXX XXXX  Inquiry from XX/XX/XXXX + Sales Financing XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC : XXXX DOB : 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 2021-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX from XX/XX/XXXX + Personal Loans XXXX XXXX Inquiry from XX/XX/XXXX + Sales Financing Auto Credit Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Hunt & Henriques
State: CA

Complaint narrative:
Hello I have sent certified letter to the creditor to stop contacting me I did not apply for credit with them XXXX XXXX XXXX continue XXXX XXXX calls letters even when you tell them to stop in writing. Do to COVID and not working its stressful I will be seeking legal advice on bk Please contact them and tell this company to stop contacting me after I wrote three times to stop but they continue with law suit intent to file against me in COVID lockdown Thanks again for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I am having ongoing economic problems that have caused me to fall behind on making my mortgage payments. I have been having problems communicating with my mortgage servicer, Caliber Home Loans. They have placed, and continue to place debt collection calls to my personal cell phone and leave voicemails, primarily from their XXXX ( Single Point of Contact ) collection department. 
I am a XXXX veteran, and have a XXXX that impacts my ability to communicate on the phone. Both myself and a technician from the VA XXXX XXXX XXXX, XXXX XXXX, have communicated this to XXXX, both verbally and in writing on multiple occasions, and asked that they suspend calls to my phone and communicate via writing. I have previously filed CFPB complaints against XXXX for this reason, but this is an ongoing issue, and despite XXXX acknowledging those requests and saying they will comply, they continue to place harassing and unwanted calls to my personal phone. 
The previous complaints I have filed were XXXX, submitted on XX/XX/2020, and XXXX, submitted on XX/XX/2020. In their responses to both of those complaints, XXXX acknowledged receipt of the request to stop calling me, and provided an email address to correspond with. However, despite promising to stop calling me, they continue to do so. I am becoming increasingly frustrated with them at this point, this is a continuing pattern of harassment, and a deliberate violation of the Fair Debt Collection Practices Act. I have made it very clear to XXXX that I do not wish to contacted by phone and I will continue to exercise all available options to me to ensure that they respect my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
During the month XXXX, 2020, I contacted XXXX XXXX XXXX  Mastercard to inform Consumer Service Dept. that I was beginning Active XXXX XXXX in response to the pandemic. An initial letter with my first XXXX XXXX orders were mailed around XX/XX/2020. Upon my return, I received a letter that the company could not verify my XXXX XXXX status and orders must be included. The company was contacted by telephone and I spoke with a representative asking for my issue to be elevated to the next level since my order was submitted. A second letter, with my orders and a request for all rights under SCRA be afforded to me was mailed in XXXX, 2020. The response of the company was that my orders were not received and the interest rate reduction and fees were not waivered.

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