vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My home mortgage was recently transferred to Newrez. I received an email inviting me to create an online account so I could manage my mortgage. My first attempt to create an account appeared to fail. During my second attempt I received a message that I already had an account instructing me to sign in. The site did not recognize the password I had created. When I attempted to reset my password, I was directed to XXXX XXXX XXXX. I called Newrez. They told me XXXX is a related company but were unable to explain what happened or resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/23 I ordered XXXX pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' in size XXXX XXXX XXXX  for a total of {$1800.00}, from XXXX. I used my Apple Card from Goldman Sachs Bank. XXXX is an online marketplace. I never received the sneakers, they still have not been delivered. XXXX sent them via XXXX  XXXX with special handling instructions " Direct signature required ''. XXXX XXXX claims XXXX signed for the package. My name is XXXX XXXX XXXX, I do not know a XXXX. The signature they have on file is fraudelent, it does not match my signature or my XXXX XXXX the only XXXX people who reside at my home capable of a signature. Both my XXXX and I were not home at the time of the alleged signature and delivery. I filed a police report with the XXXX police, a signed affadavit from my XXXX  and I and a copy of my drivers license. I provided all of this to Apple Card along with numerous emails back and forth with the merchant, XXXX. Apple Card is failing to look at the facts of all the evidence pertaining to the dispute. Instead of working for me to help resolve the fact that I am being charged for merchandise I never received, Apple continues to ignore the overwhelming supporting documentation I have provided. Multiple supervisors from Apple have agreed with me that I should not be held responsible for the charge given all the information I have provided but I am then told a " different department '' handles these disputes and they have no control. These discussions are recorded by Apple, so it is possible to obtain them as evidence that Apple continues to tell me the charge should not stand. The merchant, XXXX only responded once, XX/XX/23, to Apple out of the XXXX times I have had to reopen the claim. It should be noted that Apple Card representatives/supervisors continue to suggest I reopen the dispute. I went through their response to the dispute and disproved their entire claim and emailed my rebuttal to Apple Card. Apple 's " different department '' still ignores the facts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I SENT THE COLLECTION AGENCY A LETTER REQUESTING VALIDATION FOR THE DEBT AND TO CEAST AND DESIST ALL ATTEMPTS TO COLLECT FRAUDULENT DEBT. THEY FAILED TO REPSOND TO THAT LETTER AND ARE STILL ATTEMPTING TO COLLECT THAT DEBT. XXXX HAS SEEN IT AS FRAUDULENT AND DELETED IT FROM MY CREDIT REPORT. LASTEST ATTEMPT LETTER TO COLLECT WAS RECEIVED TODAY, XX/XX/2023. ONE MORE LETTER OR PHONE CALL FROM THEM WILL RESULT IN A LAWSUIT FOR HARRASSMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chex Systems has me in there Chex System in which I don't owe XXXX XXXX any money and Chex Systems has me in there system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
The supposed name of the company is XXXX XXXX XXXX. 

I was contacted online through XXXX chat about a business opportunity to purchase the contract of a model they have employed XXXX XXXX. So the deal, as I was led to believe was to send these payments using XXXX, XXXX XXXX, XXXX, and XXXX First payment was on Tuesday XX/XX/2022 to a XXXX username XXXX in the amount of {$410.00}. 
The second payment was on XXXX  XX/XX/2022 for the amount of {$900.00} to XXXX using XXXX again. 
The XXXX  payment was the same night of XX/XX/2022 for the amount of {$1600.00} to XXXX using XXXX again. 
The XXXX payment was again XX/XX/2022 to XXXX XXXX for {$900.00} reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$500.00} using XXXX. Reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$1500.00} using XXXX XXXX. Tracking number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX payment was on XX/XX/2022 but it didn't settle with the merchant for a XXXX days after. Her name is XXXX XXXX I sent {$1400.00}. Transaction number XXXX. 

I will be attaching screenshots documenting each and every transaction that I sent with any other information I have on this company. 

Thank you for your help in advance im praying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: VA

Complaint narrative:
I have contacted experian credit reporting services to report that XXXXXXXX XXXX XXXX representing XXXX XXXX XXXX XXXX or apartment complex report is concerning a landlord-tenant dispute and that this information should not be posted or included on my traditional credit report. 

As for the first dispute filed against this non traditional credit report, Esperian denied my request to remove this very negative information from my traditional credit report, and submitted information to me that the reporting company or agent confirmed the debt.

I filed a separate dispute on this same issue explaining to Esperian that this information is a landlord-tenant dispute and it should not be listed on my credit report, and that I have not agreed with anyone to post or use my rental history as part of my traditional credit report. 

Furthermore, this particular negative credit reporting was listed as a personal loan, but a most recent check of my Esperian credit report, this negative report has been put under the category of collections. Either way and irregardless of how this information is labeled, this negative information has no place being listed on my traditional credit report to be used to tabulate my credit score. Nor should this information be included on my credit report because of the central reason that landlord and tenant dispute are listed in non traditional credit reporting manners.

This negative information on my credit report has damaged my credit reputation in 2 areas : 1 ) it has caused my credit score to dip or go down by more than approximately 30 points, and 2 ) a potential creditor has already used this erroneous credit report information to deny me credit for a home loan to which this report is the major reason for the denial. 

I am demanding that this information be removed effectively immediately from my credit report reported by Esperian that I am aware of, and be deleted from the other 2 major credit reporting companies if this information is retain in a credit report with my name. 

Furthermore, this is a very heinous discriminatory act to which leaves me with no alternative but to complain about being racially discriminated against because of my race which happens to be tgat I am an XXXXXXXX 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 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Upon checking my credit report I noticed a collection that did not belong to me. Requested verification by mail and it was never verified. The information was not accurate that was on my credit report. I have never lived at the address provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: MN

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is holding my social security deposit in the amount of {$1200.00} I first noticed there was a problem with my bank account when a debit card transaction got declined on XX/XX/. I immediately contacted US Bank customer support and they could not provide a clear answer as to the status of my account, they just told me the funds on the account could not be accessed and I would receive a check in the mail. 
I then visited on the same day XX/XX/ the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and I got different conflicting information from the staff at the bank. First spoke to a banker and she said the account was closed but that I could withdraw the funds in the account. Then I proceeded to withdraw the funds in the account but the teller first asked why did I want to withdraw all the funds in the account since the account was still active. But later she said the account was closed and the funds could not be withdrawn. Then I spoke to the branch manager, he apparently did not have business cards and wrote his name on a piece of paper, XXXX XXXX, and he said the account was closed on XX/XX/XXXX  and that I would get a check for the funds in the account within 5 to 7 business days. And finally today XX/XX/2023, I contacted US Bank customer support again and was given different information again ; now they said the account is not closed and is still under investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a medical account listed on my credit report that do not belong to me, however, no medical debt should be on anyone 's credit report due to PII information which is a federal violation. Please remove that collection in it's entirety as this is hindering me from obtaining property via credit. Lastly, there are a few inquiries that I did not authorize ( XXXX XXXX, and XXXX ). Please remove them as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
I have federal student loans with MOHELA. I had been placed in " in school deferment '' since I started a different program. However, I do not want to be in deferment on any of my loans. I stated this in writing to them on XX/XX/XXXX requesting to be removed from deferment indefinitely. They took me off, but then placed me back in deferment on XX/XX/XXXX. I had to request AGAIN to be removed indefinitely from deferment, which they did. However, I received a message today XX/XX/XXXX that my loans have been placed in deferment again. I have again submitted a written request to never be placed in deferment ever for any of my loans. I have followed their policies and procedures now three times to never be placed in deferment and yet they keep doing it. It needs to stop. They are not handling my loans or requests correctly, even to their own policies and procedures. They are placing undue stress and burden on me as a borrower. Please, I am begging you, their incompetence must be stopped. It is not fair for me to follow the rules, and yet they can flaunt them in the face of every borrower they service. I have done everything asked and requested, and they keep making mistakes. This significantly impacts my ability to complete 120 PSLF payments in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Need this accounts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Need this accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have filed dispute charges several times for unauthorized charges on my capital one credit card. I have made several attempts to cancel my crunch fitness gym membership dating back in XXXX. XXXX XXXX refused to cancel. 

So, I contacted my capital one credit card submitting charge disputes. I provided information of the situation, such that they removed the charges from the credit card. Additionally they communicated they would block all future charges from crunch fitness gym. 

However, I see the charges removed from my credit card by crunch fitness, but, a new charge has taken place from crunch fitness in the amount of XXXX. Therefore, they did not block nor prevent any future charges. 

I have contacted capital one several times today, where I am not getting through, much less getting this matter with crunch fitness resolved.

Company response to consumer: Closed with explanation