vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
I have seen that a 3rd party collection wich is fraudulent activity, on all 3 of my report since XXXX. Continue to report that I owe XXXX+ dollars and I have never had a loan unless it was school or my car! And since it was illegally sold information that I never did it violated my fcra rights with wrongful information sent to all 3 reporting companies stating that I spoke with them and I have never done so Once I wrote to remove or seek max penalties the company sent me all the fraud copies of the loan from a fraud check with my fraud signature with a fake address and number that all 3 reporting compies keep binding me 2 and saying its mine so when they call this number the person who done this 2 me is the only person who they can write to and speak 2 please remove the account I can not move or use credit due to me being victim for over 6 months of fraud and no 1 is honoring my fair XXXX .the address on file is were docs are going please remove off so I can update my report with the right address and number I can't even get in control of my own name with this not getting took care of.SINCE THE DEBT WAS BOUGHT AND ITS NOT EVEN MINE PLEASE STOP HARRASSING ME FOR ILLEGAL DEBT. PLEASE HONOR THE FACT I HAVE NOT GOT MAIL BUT ONLY HARRASSED ON MY REPORT IT IS NO WAY THAT I JUST STAYED 4 TO 5 LAWS BROKEN AND NO ONE REMOVED THIS I WILL NEXT SEEK MAX LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted CoinBase because the phone with my authenticator app broke. I needed that to enter an authentication code to access my account after enter my username/password. I needed them to remove that check. This happened once before and at that time they ask that I submit a copy of my driver 's license and maybe some other info. I was informed on XX/XX/XXXX after I made that request that they already had all the relevant documentation due to my previous submissions and that I should expect a resolution in 48-72 hours. 

On XX/XX/XXXX, I contacted them again and asked them what the delay was and I would be willing to provide any additional info they may need. I received the following response. " Please be informed that we can not expedite the review process. You still need to wait for 48-72 hours for the process to be completed. You will receive an email confirmation once it was completed. No further action on your part is necessary at this time. If we have any need for further information, we'll be sure to reach out. '' I contacted them again a week or two later and this time got no type of response. I contacted the XXXX about a week ago and that got no traction. So at this point I'm just starting to go down the list of any governmental agency that can help. I really want to avoid having to take the legal route.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My account with XXXX XXXX collection agency has been re age. The date of last activity show Transunion being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.

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 2021-03-17 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: SC

Complaint narrative:
My account with XXXX XXXX collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and Experian show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.

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 2021-03-17 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: V and H Portfolio
State: SC

Complaint narrative:
My account with Vance Huffman collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
CFPB closed XXXX. 

Shellpoint offered me an unaffordable modification which was not based on my XXXX application because Shellpoint offered a streamline modification after I submitted my complete XXXX mortgage assistance application. 

Shellpoint did not provided the required documentation for how it calculated the {$1000.00} or what other options that it looked at in response to my completed XXXX mortgage assistance application. 

Shellpoint did not include the interest rate, which should have been 2.75 % for a Streamline Modification. Shellpoint did not provide a breakdown of how trial funds would be allocated or how the interest rate should affect the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I had someone in my account and decided to apply for a loan in my name, and they signed the loan as me for {$3000.00} and navy Federal ended up taking money back which put me nearly {$8000.00} in debt when I told them someone had gotten into my account and applied for the loan and that it wasn't me and they're holding me responsible for paying for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
To whom it may concern, Account # XXXX No. XXXX XXXX XXXX I have been getting harass and threatened to be sued by Blitt and Gaines P.C Attorney at Law about a debt that I have asked to be validated multiple times which they have come back with bank statement in which under the fair debt collection practices is not enough. 

In addition I also checked my credit reports and this account number does not show as any negative account in my reports. 

I will attach all the documents that I have sent to them with all the dates and tracking number proving that they have received all my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
On XX/XX/XXXX I received an email from Paypal out of nowhere stating that they have decided to permanently limit my account. I use Paypal to make purchases with my credit card from many online retailers, but the only selling I do on Paypal is for clothing and nothing else and I have been selling clothing for the last 4 years with no problems. I called them 3 times, the first two times the agents told me they were not allowed to tell me why my account was deemed as a risk but after reviewing my transactions they told me it must be a mistake and should be resolved within 24 hours. Nothing happened in a week so I called again where a Paypal agent by the name of XXXX was extremely rude and told me there was nothing I could do. I requested to speak with a supervisor and she told me one would call me within the day. It has been nearly a week and no supervisor has contacted me. 
I currently have {$1000.00} in my account which I was planning to use for rent that they are not letting me access. 
My email for the Paypal account is : XXXX This has brought me a ton of stress and has effected my wellbeing. 

I have attached a restriction notice that is available for me to view on my Paypal account 's notification center, a screenshot of my Paypal account main page, and a piece of photo identification for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have called Mr. Cooper since XXXX of 2020 to ask them to pay my property taxes. 

The taxes were due in XX/XX/2020. 

I have over $ XXXX in my escrow account with Mr.Cooper to cover the $ XXXX of property taxes. 

Each week I get the same response which is that they are working with XXXX county to get the bill and submit payment. 
The bill is accruing interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
My unemployment was going into my account and as soon as my taxes and stimulus hit the account they froze it saying there was fraudulent activity. They requested documentation of which I sent and my funds are still being held hostage. I have no access to any of my funds and I am about to be homeless. Please help! I can not get through with customer service. My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.

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 2021-03-17 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: EQUIFAX, INC.
State: AK

Complaint narrative:
First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: AK

Complaint narrative:
First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.

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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I opened an account with Nordstrom in the fall of XX/XX/2019. I've used the card and made payments. I lost my card and ordered a replacement card, and that card number I stored in my phone with other logins etc. That phone was compromised and several accounts were used without my authorization. I filed a police report and identity theft claim with the FTC. The account was removed from my credit report but later added back. I don't wish to go back and fourth trying to dispute the debt, I'd rather take full ownership of the fraudulent purchases and pay the card off in full. Its now in a charged off state wit several late payments and is drastically affecting my credit report. I want to make an arrange to settle the debt it full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The last dispute XXXX did absolutely nothing Experian can not validate, verify or provide me with information on how they verified the balance on my account I've disputed. I'm requesting that they provide me with everything they used to verify the accuracy since XXXX XXXX XXXX doesn't even have a payment history. Experian failed again to answer any question I've asked about how they validated and verified the information from XXXX XXXX XXXX when and debt has to be sworn to. I'm requesting they provide proof of what Experian used to corroborate what XXXX XXXX who is not the original creditor is saying. Also I'm requesting Experian provide me with the credit application that allows this to account to legally be placed on my credit. I will give Experian 15 days to do this because it's required under Wisconsin state law. If not I will sue Experian for assisting in damaging my credit.

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 2021-03-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Sir/Madam : Synchrony Bank closed my XXXX XXXX XXXX store credit card account in early 2020 due to identity theft that happened to me. 

Once found the fraudulent activities I immediately reported to XXXX, XXXX  and XXXX  credit agencies and tried my best to get my credit recovered. In the meanwhile, I contacted Synchrony Bank to let them know my situation,. I even called and wrote a letter to the bank manage requesting that they reopen my credit account. I further offered to deposit a special amount of cash as a guarantee or back-up for the credit account. As a matter of fact, I myself has been a loyal customer of the Synchrony Bank and keep a decent savings account with them for many years. 

As of this date, XXXX  website shows my credit score as XXXX  and marked my credit as " Good ''. XXXX website shows my credit score as XXXX and marked my credit as 'Excellent ''. XXXX credit score is not available without a pay. 

Not long ago I opened a new credit card account with XXXX XXXX without any problem, and was given {$5000.00} credit usage easily.. 

However, Synchrony Bank still holds discrimination against me and keeps rejecting my XXXX XXXX XXXX Store credit card application now matter I have tried. Their last rejection happened just a couple weeks ago. 

I want the Synchrony give me an answer why my " Excellent '' " XXXX '' credit score still does not qualify for there bank credit account. What they need to do to have my right as a B & H store consumer. 


Thank you, Regards, 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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I had XXXX XXXX installed at my house. The tech that came to install said I would not have a problem even with the trees that were in my front yard. He installed the satellite on my front porch roof right where the tree is. He ran the box in my living room and didnt have enough wire to run it to my TV and just left it hooked up in the middle of my living room floor. From the time it was installed, it kept saying requiring satellite signal please wait a moment. I set up about 5 or 6 tech appointments to get it fixed ( which out of 2 appointments they never showed up and I missed work ) but it still never worked. All this time, I was paying the monthly charge. At this point, I was so frustrated, I told them that I was done missing work for them to come out and do nothing getting it to work right and I told them to come and pick up their equipment. I set up an appointment and they came and picked it up. Now they are trying to get me to pay a {$530.00} early termination fee. I called multiple times to XXXX XXXX and finally someone in billing said it was taken off my account. Then I see on my credit report that Credence Resource Management was sending me a bill for that amount and called them. I explained to them the issues I had with XXXX XXXX and they said that I still owed the money. At this point I was fed up. I called XXXX XXXX multiple times again and they notated my account each time I called and so did Credence Resource Managment. Neither one of those companies will see a dime from me. I paid for service for 4-5 months with no service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a {$10000.00} HELOC with Regions Bank based in XXXX, AL. 
I have a credit score of 794-810 on all three credit reporting agencies. My application was denied because of income to debt ratio. I have {$1.00} XXXX in liquid assets to cover a {$10000.00} line of credit. I sent the lender a balance sheet showing my network and offered to send them current quarterly statements to validate my network but they never made the request. I have a running balance of $ XXXX {$24000.00} in my checking account with XXXX XXXX XXXX XXXX My point, I was denied based on race and age and not my ability to repay the loan. My assets are in mutual funds, stocks, 401-k, IRAs, and Roth. All of debts are paid ahead and will be paid off ahead of the terms. I pay extra principle on my mortgage each month. I have a XXXX that is paid ahead 4 months.

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: LA

Complaint narrative:
A balance of {$2100.00} was reported on my credit report because someone was going to the hospital under my name, which is fraud and I currently have XXXX insurance. it says it was open XX/XX/2020 for about 2 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
In attempting to clear up my XXXX XXXX. I found out that I had an account dated back to XXXX on my Equifax business credit. I inquired on how to pay and was told I had to file a dispute since there was no Name of the company or # or address on the account. After requesting the dispute form twice. I finally received the form and completed it. I then sent it back to Equifax via email and fax on XX/XX/XXXX. I never received an email notification stating it was received. But the fax was completed. After the 30day mark, I did call and ask numerous agents that I was able to get a hold of to confirm when my dispute was received, to be told that the investigation is not yet completed. One agent, in particular, told me to send ANOTHER dispute form since he didn't see my dispute form in the system! He was very rude and condescending. I asked to speak to a manager and he told me I could not. I hung up and finally reached an agent by the name of XXXX and he apologized for the last agent as he was incorrect in asking me to send another dispute form. He gave me a case # and tracking # and told me that my file was going to be escalated and that within 48hrs I would be getting a call from the XXXX office to help me in finding out where my dispute was. I then received a call on the 2nd day after it was escalated but couldn't answer the call. The message left was a Mrs. XXXX, that stated that they are STILL WAITING on the creditor to get back to them and to give her a call @ XXXX if I had any questions. This was the same # to which I have been calling for 2 weeks. I called right after I heard the VM. I was then told I had to open ANOTHER case and wait for XXXX for her to call me back! 



I need to get this account cleared, the process in which Equifax has to dispute an account is not clear and difficult. It's like they don't have a process. I was even told this from their own employees!

Company response to consumer: Closed with explanation