vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX, XXXX  and XXXX  have failed to properly validate and verify collection activity on my account. XXXX, XXXX, and XXXX  were advised of additional accounts reported by Healthcare collections. I have further disputed that one account made by Healthcare collections is outside of statue of limitations within my state ; original balance reported XX/XX/XXXX that is still being reported against me which is against the law. Other accounts are also being reported by Healthcare Collections have also not been validated or verified. I have disputed several accounts reported by Healthcare collections on XX/XX/XXXX and XX/XX/XXXX via certified mail with XXXX that I have carefully kept record of and no response has been the result of this request for validation. I have yet to receive any documentation bearing my signature showing any form of legal binding or contractual obligation to Healthcare collections debt collector. After being unsuccessful with Healthcare Collections dispute, I have formally requested XXXX, XXXX  and XXXX  on XX/XX/XXXX to further manually validate and investigate the accounts, in which they have simply updated as accurate without any further clarification on how this was completed. I have received no documentation on any records provided by the credit bureaus that also validate and verify the debt is accurate and mine. I need assistance with ensuring XXXX, XXXX, and XXXX  credit bureau comply with FCRA laws and ultimately remove any invalidated and unverified accounts from my credit report as soon as possible.

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 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
I did not apply for a debit card or any financial relationship with Chime. On XXXX I received a Chime Debit card with my name and a mailable form to link my payroll information. I contacted the phone number on the back of the debit card to report a fraudulently opened account. There is no representative available via the phone number listed and I was instructed to email XXXX. After multiple emails, I was informed they will not close the account or mark it fraud, ( representative name- XXXX ), unless I give them my government ID, my social security card, and a photo of me holding my ID. I will not do this as it sounds like a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: NY

Complaint narrative:
I co signed for a loan with my son so he can purchase a home. Homebridge Financial Services is the mortgage co. I am in the process of trying to purchase a home. They put my son on Forbearance without his permission. He didn't realize until I applied for a mortgage and it came up. My son realized that they didn't do the withdrawal. This was in XXXX, so the made XXXX and XXXX payment together. My mortgage company saw the late payment and requested a letter from the company stating that - They made an error and put him on a forbearance and that is why they didn't take the payment and that he paid once he realized he XXXX was taken out. On XX/XX/XXXX my son and my mortgage broker called the company requesting that letter. They said it will go out on the XXXX of XXXX. When called on the XXXX they said it went out on the XXXX. When I called on the XXXX stating it hasn't been received, they said they will fax it and it will take 24 to 48 hrs. When I called on XX/XX/XXXX and was disconnected 5 different times spoke to 6 different people, some said they do not see the letter. The other say they did. Employee ID # XXXX was going to email Managers and see what they can do for me. I was unable to speak to a manager or supervisor when I asked. Last night we spoke to someone again with my mortgage broker on conference call. They said they see no letter and there is nothing they can do for us. This morning my wife got a fax, a useless fax just stating the definitions for the column headings and my loan history. Loan history was not attached. This letter is not what we need. I have exhausted all avenues with Homebridge on getting this letter. Not only will I lose the house but I have been just advised that I will lose my {$20000.00} deposit which I definitely can not afford to do. Contract is voided on XXXX, 2020. I am on a time constraint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
Attempted to collect debt I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, I AM WRITTING TO YOU BECUASE MY MORTGAGE COMPANY ( SHELLPOINT MORTGAGE ) IS TAKING ADVANTAGE OF ME. AS OF XX/XX/2020 I ASKED FOR HELP SINCE I WAS AFFECTED DUE TO COVID 19. SINCE THEN SHELLPOINT MORTGAGE HAS LIED ABOUT MY ACOUNT BEEN UNDER REVIEW FOR A LOAN MODIFICATION.

LUCKILY I NEVER MISSED ANY PAYMENT BECUASE NOW SHELLPOINT MORTGAGE IS TELLING ME EVENTHOUGH I NEVER MISSED ANY PAYMENT SHELLPOINT MORTGAGE ORDER A BROKERS PRICE OPINION AND PLUS THEY WILL CHARGE ME EXTRA FEES TO REVIEW MY REQUEST FOR A LOAN MODIFICATION DUE TO COVID 19.
I SPOKE TO SHELLPOINT MORTGAGE IS TELLING ME THAT I AM RESPONSIBLE FOR THE COVID 19 FEES LOAN MODIFICATION SINCE THEY ARE ABLE TO CHARGE ANY HOMEOWNER THAT APPLIES FOR THE PROGRAM. 

I BELEIVE THIS IS UNFAIR AND SHELLPOINT MORTGAGE IS TAKING ADVANTAGE OF HOMEOWNERS SITUATION THAT WAS AFFECTED DUE TO COVID 19.

PLEASE HELP SINCE ALL MY PAYMENTS HAVE BEEN MADE ON TIME SINCE THEN AND I FEEL SHELL POINT MORTGAGE IS JUST TAKING ADVANTAGE. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: CO

Complaint narrative:
Placed debt on credit report that I do not owe

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I tried to pay debt in full they told me I could but would not remove from my credit also would not send a letter stating it was paid

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Information on a AARP Chase Bank - I requested a credit line increase. Chase reports incorrect information on my record. I have contacted XXXX XXXX. This is a critical report that was created by Chase to deny an increase in line of credit. The stated " The reporting agency played no part in our decision and is unable to supply specific reasons why you have been denied credit to you. '' I am a XXXX-year old senior and have never had a problem with my credit. Recently I applied for a {$15000.00} loan and it was approved. I call this discrimination against a senior citizen> Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a victim of wire fraud and lost {$84000.00} from three wire transfers that I sent through a local Chase bank on XX/XX/XXXX. The individual helping me process this did not push back and was actually trying to sell me on a mortgage and investing my money through Chase. Once i realized it was fraud, the wire research team at Chase was not actually working due to covid. They did not get in touch with me and a case was put in through a secure message. While they wrote back on the secure message app for a month, they have not been responsive on providing an update or even relaying information accurately from the bank they were trying to recall money from for the last month. I am at a loss and I don't understand why i can't get a single person at Chase to help me look into this and even properly carry out my wishes and relay information as it relates to a wire recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NC

Complaint narrative:
Below are a cluster of inquires on my report that I did not authorize. I have been a victim of the inquiry issue that Equifax is having. I tried to talk to a representative to get these inquires removed but I was refused assistance. Again, these inquires were unauthorized. Please remove these from my report. 

XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
I contacted Best Service Company in XX/XX/XXXX to pay in full a balance owed. The representative XXXX XXXX took the payment of {$280.00}. Ms. XXXX also told me that I would get a letter in the mail stating this debt has been satisfied and the company would make a submission to the Credit reporting agencies in which the debt was being reported that this debt has a {$0.00} balance with a deletion. Sad to say this did not happen. The only thing that did happen was I received a letter in the mail stating the debt was satisfied in full. I called XX/XX/XXXX, I was bounced around from representative to representative, all of which were extremely rude. I was finally transferred to a supervisor XXXX XXXX, who was not much assistance either. He continued to be rude and speak over me. He told me the best he could do was to send out a letter that this debt was paid in full. He said they ( Best Service Co  ) had reported to the Credit Reporting Agencies that there was no balance. However when I did speak with each Credit Reporting Agency and they claimed that Best Service Co was still reporting an unpaid balance even though they had told me they reported the account paid back in XX/XX/XXXX. I have seen many other people having the same issues and I noticed that this company is suspended with the Secretary of State in California and as a Corporation in California this is simply illegal.

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 2020-09-22 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: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XX/XX/XXXX to XX/XX/XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XX/XX/XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the XXXX XXXX Representative sometime in XXXX/XXXX   timeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering. 

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues

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 2020-09-22 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Back in XXXX while XXXX to XXXX XXXX I requested Ohio SCRA benefits from Navy Federal Credit Union. It was not awarded to me because I was told that SCRA benefits only applied to debt which incurred prior to military service. I retired XX/XX/XXXX and while attempting to get my affairs in order I revisited this Ohio SCRA benefit only to realize that it in fact covered all debt. XX/XX/XXXX I requested this benefit for the second time and I never received a notice saying that I was ineligible. However I noticed that my ability to do any transactions online was taken away. XX/XX/XXXX I contacted Navy Federal to obtain the status of the request and I was told that I was no longer eligible for SCRA benefits because I retired in XX/XX/XXXX. My complaint was that when I originally requested these benefits I was not retired. Navy Federal states they value the military service members and are here to help. However when I requested that they honor my original request I was denied. Navy Federal does not care about us and I feel their name was a ploy to attract service members. I served my Country for 20 years and have been a member of Navy Federal since XXXX. It's already bad enough that I was denied Ohio SCRA benefit that I earned back in XXXX, but after 19 years of doing business with them when I asked for the money back that I was overcharged they shut the door in my face. I was told that after reviewing their archives they saw fraud alerts but did not see the original Ohio SCRA request. I am appalled as to how I was treated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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
State: NM

Complaint narrative:
I opened a Paypal account on XX/XX/XXXX related to my first attempt to sell a personally owned item on XXXX. A buyer purchased the item and paid via Paypal. Paypal almost immediately limited use of my account until I provided a shipping tracking number and indicated that a hold on the funds now in my Paypal account would be lifted once the item was delivered. I provided other information to Paypal including a copy of my drivers license, a screen capture from XXXX showing the buyer and seller information. They requested a receipt from the supplier of the item. The item I sold consisted of archery supplies that I have owned for several years, and none of which I have receipts for. I contacted Paypal through their messaging service requesting more explanation for why my account was now limited. I received a response several hours later saying that they would review my request. I shipped the item on XX/XX/XXXX and uploaded the tracking information to Paypal. I received an email from Paypal on XX/XX/XXXX informing me that I can no longer do business with Paypal and that the balance of {$200.00} was frozen for 180 days. I contacted Paypal again on XX/XX/XXXX through their messaging center and requested an explanation and a review of my account. I received a reply from XXXX XXXX saying : I apologize for any inconvenience this may have caused you. I have reviewed your case and can see that our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. I scheduled you a callback. One of our account specialist will call you at the phone number on file. Just keep your lines open.

I am in apposition now where I sold and shipped my personally owned item. The buyer paid for it and will receive it this week. I can not  access the funds paid to me for almost 6 months because Paypal permanently limited my account. Paypal has not provided any explanation to me why the took this action. I also can not remove my debit card and checking account information from my Paypal account due to the status that it has been placed in by Paypal. I would rather not have my account information held by Paypal, particularly since they have limited my ability to use their service without explanation. Paypal has only provided general responses that my use of my Paypal account amounted to possible fraudulent or high risk behavior. No details have been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase will not allow me to add a bank account to my Coinbase account that will allow me to wire my money to my XXXX bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AL

Complaint narrative:
I SENT LETTERS TO TRANSUNION, XXXX, AND XXXX  ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.

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