vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Information and documentation requested from Select Portfolio Servicing ( SPS ) has been refused : 1 ) Provide XXXX  accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in XXXX How did it originate? Who provided the initial funds and how? 
2 ) Is SPS a debt collector? if yes, identify yourself as such. 
3 ) Does SPS have a contract with said mortgage holders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX XXXX XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with SPS and has never assigned power of attorney to SPS to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX XXXX XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with SPS has been in dispute for over a year, why is SPS still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized SPS to send any information to the credit agencies? As a consumer, said mortgage holders never authorized 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 2023-01-26 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: VYSTAR CREDIT UNION
State: AE

Complaint narrative:
I cancelled an item that was charged on my XXXX Credit card. I cancelled via credit card services/VyStar. The products were never sent or received. After several communications with Cardholder services I went to my local Post Master : XXXX XXXX in XXXX XXXX phone # XXXX and obtained a letter that stated the information that was submitted was not sent to me and they could obtain additional information by contacting the post master. The fraudulent company Aletehadtrading company uses fraudulent XXXX labels and submit them and the cardholder services does not verify or do their job all the while continues to let the consumers pay for fraudulent transactions. I submitted all information to receive my {$54.00} credit but Cardholder services gives an automatic email response of case closed due to missing information/they are receiving a high volume of inquiries although after every phone conversation ( I have documented every communication ) Im advised of they have the information and still working on it- The transaction date was XX/XX/2022 and the card services was immediately contacted to quickly handle this but as of today XXXX XXXX my account has not been credited.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my cell phone service, provided by XXXXXXXX XXXX stopped working. I later found that my XXXX card was hacked and someone was getting 2 factor ID texts while they illegally had access to my phone service. An attempt to take {$3000.00} from my XXXXXXXX XXXX account was thwarted due to my quick actions. However, I was not so lucky when it came to my Coinbase account. 

The individual who hacked my XXXX card was able to access my Coinbase account which based on the market at that time was worth approximately {$2500.00}. Coinbase replied to me stating that they are not liable for the unauthorized transactions. They provided a detailed record of the unauthorized transactions, yet they stated that it would not be possible to recover the assets. Coinbase gave me detailed instructions to recover the remaining assets in my account. This process consisted of several " id selfies '' and creating a new account. On XX/XX/XXXX Coinbase notified me that the remaining assets were sent to my new account. My new account was now worth approximately {$15.00}. 

I had several smaller amounts of less known cryptocurrencies in my account, but for purposes of this complaint, I have provided below the largest portion of my investment that has gone completely missing : XXXX XXXX coins - worth approximately {$1500.00} XXXX XXXX coins - worth approximately {$600.00} XXXX XXXX coins - worth approximately {$650.00} These assets should be refunded due to the unauthorized activity. Coinbase should be able to recover these assets by conducting an investigation. I am requesting a full restoration of my account to the assets held prior to XX/XX/XXXX at the current market rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I cosigned on a loan with my Mom to get her windows replaced. We were approved with two different lenders. The contractor ( XXXXXXXX XXXX XXXXXXXX ) funded the job from the wrong loan ( the Greensky loan ). I made greensky aware of this and they refuse to close the account. They have said I'm still liable for the loan even though XXXX XXXX XXXXXXXX made them aware of the issue and had my account credited for the {$6200.00} that was taken out. The balance is now {$0.00} and they still won't close my account. They also pushed back the " complete purchases by '' date without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: DE

Complaint narrative:
Cascade Capital Funding , LLC incorrectly reported an account to my credit report. Also, they shared my personal information to third parties without my consent. 

Cascade Capital Funding , LLC shared my information with XXXX XXXX XXXX XXXX XXXX. When I tried to identify/investigate the account/account number that was provided by XXXX XXXX and was listed on my credit report - XXXX XXXX XXXX COULD NOT IDENTIFY/VERIFY NOR CONFIRM THE DEBT. Therefore, XXXX XXXX XXXX XXXX XXXX sent me a physical letter in the mail ( will be uploaded in this report/complaint ) in which stated that the account was closed and deleted. This was XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, there is an alert from XXXX saying that XXXX XXXX XXXX reported a debt collection account, which is the same account that XXXX XXXX XXXX said would be deleted and removed from my report. 

My consumer rights have been violated. This debt was not verified and was removed from my report and then added again. My information was sold/shared with a third-party without my consent. I did not receive notice of right to dispute. An investigation did not occur prior to this account being added to my credit report. And when I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX via telephone number XXXX, they informed me that they were now XXXX XXXX XXXX. Again - my personal information was shared with third-parties without my knowledge.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX is truly a mom & pop business.Our accountant going through our yearly tax & finances noted a large check was withdrawn from our business checking account on XX/XX/2022. A image of the check was from a company name of XXXX XXXX XXXX with the address from Washington DC. The check was made out to XXXX XXXX in the amount of {$15000.00} & drawn from XXXX XXXX XXXX brought it to the attention of our bank JP Morgan Chase to the fact of a unauthorized signature, check sequence, incorrect routing number. I was told to order a new account & the funds will be re-credited. A week later i recived notice the claim was denied. I relied on the bank to be professionals in the finance business & obviously have a grooss negligent mistake & should be totally responsible. A police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( 3 ) Credit Reporting Agencies in which I have included a letter stating that and XXXX also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: AR

Complaint narrative:
I have disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX XXXX in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.

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 2023-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint has grossly mishandled my money. My mortgage transferred to them beginning XX/XX/23 and even though the welcome letter told me the auto-draft would remain in effect, when the payment due date passed by without a auto payment made I contacted them and the rep told me the auto-pay function didn't work during the transfer. She said I would need to pay a manual payment and set up the auto-payment again. I did so on XX/XX/23. The following day, Shellpoint still drafted the using the auto pay for the 2nd time. So now they drafted it twice. The amount they now held of mine was over {$6100.00}. I requested an immediate reversal and they said they can't reverse and would send a payment via ach right away and i would receive in 3-5 days. After 5 days I called and they said no, they actually sent a check and it would be there in 10-14 days. I said no, i needed it right away. They cancelled the check and resubmitted an ach. They assured me it was all set. After 5 days I called and the lady said it would be in my account by the following day. 2 days later and I still didn't get it. I called again and the rep said the ach was submitted in error and they needed to do it again. By now XX/XX/23, they've held my {$6100.00} for over 16 days. I finally got more testy and demanded an immediate resolution, i suggested i needed to speak with someone who could approve a same day wire as this whole process was unacceptable. Instead of being helpful, the person on the line set up the virtual wall that I can't go any further, that I can't get an immediate response, and that I'll have to continue to wait. If i could simply take my business elsewhere I would, but since I have no choice in who services my mortgage, the least I can do is write a poor review. Horrible company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I called and asked that they not allow certain company to access and withdraw money from my account and they were still doing so and the officelocation is an inconvenience for me as a customer because its only so many options and all locations are to far to travel to the overdraft fees are more than I can handle at this point and there is no accommodation on their parts I just want them to close the account but they wont do it

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 2023-01-26 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: VA

Complaint narrative:
On XX/XX/XXXX at XXXX pm, Equifax received a letter from me concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Equifax is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Equifax permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency.

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've attempted several times to remove this fraudulent address from my credit report Experian still haven't removed the address I've now filed a police report and hoping that you can help resolve this matter.

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 2023-01-26 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: TX

Complaint narrative:
There are accounts listed on my consumer report that I didn't authorize or have any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts listed on my consumer report that I didn't authorize or have any knowledge of.

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 2023-01-26 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: Chime Financial Inc
State: VA

Complaint narrative:
I rented a car thru XXXX rental on XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX a hold was placed on my card of {$380.00} dollars and was not released after the rental contract. XXXX executive office has removed the hold Chime banking has not. XX/XX/XXXX there was anoth {$200.00} dollar hold that also, has not been released from Chime banking. XXXX has given chime receipts and proof as well as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Self Financial Inc.
State: NY

Complaint narrative:
I started a first case and received a response from Self but now creating a second contingent case from the first case : XXXX ; Related to the feedback provided and the unfulfillment of their response. 

I received a letter stating all 5 transactions : XXXX XXXX ( {$21.00} ), XXXX ( {$31.00} ), XXXX ( {$1.00} ), XXXX XXXX  ( {$1.00} ), XXXX XXXX ( {$1.00} ) will be permanently credited back and that the XXXXXXXX XXXX charge that came after this complaint is still being reviewed. I received 4/5 transactions from that date and still owed {$1.00} from 1 out of 2 duplicate XXXX XXXX transactions. 

They are still charging interest while not even giving back the amount they said they were. I do not think its acceptable to wait for such a small amount they shouldve been owed and is now affecting my interest fees. It is not fair for me to pay the amount including what I am owed. The interest is also being made off of an amount I do not owe, it should be deducted from the amount I was supposed to be credited. I tried emailing them on multiple occasions and called to get no help by phone and one representative told to me to contacXXXX XXXXXXXX. No one ever responded from that email/department.

A representative from XXXX  after several emails stated that the other transactions were approved but that one is still pending and can take upwards of 90 days and to allow proper time. 

That does not make sense regarding that the other transactions were credited back and the {$1.00} from XXXX XXXX came out twice but only one was credited back and it is all part of the same dispute. 

Secondly, the dispute that came after this one was credited back so how is it that an older one that was promised did not come back and still processing. 
Why is now that amount part of the calculation for my interest as well? It should not be so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have received Continuous phone calls from TSI ( Transworld Systems Inc ) XXXX and very threatening tone. XXXX XXXX said they would not turn over to a collections or put on my credit report until my hospital financial application has been finalized. It is still being under review but yet XXXX still put it on my credit report and having TSI call me everyday with a threating tone and words

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See document attached

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See document attached

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