vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I received a series of text messages notifying me of the use of my bank card throughout the United States while I was in Minnesota. Soon after, someone claiming to be from XXXX XXXX XXXX called me to inform me of the suspicious activity on my account and offered to help me set up a new account by transferring my money to a " safe '' account via Zelle. Unfortunately, I fell prey to the scam, transferring a total of {$2800.00} in XXXX separate transactions of {$2300.00} and {$500.00}. 

I have attempted to retrieve my money, as I have read that other victims of fraud have been successful in doing so. However, the process requires a payment ID, which I have been unable to obtain from XXXX XXXX  XXXX despite spending more than 8 hours trying. The Zelle website suggests calling XXXX XXXXXXXX XXXX 's customer service number, but I have found them to be equally unhelpful. 

It seems that XXXX XXXX  XXXX, which owns Zelle, will continue to hold onto my hard-earned money until I am able to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report, and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I did not permit I C SYSTEM and XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is only to be revealed with the patient 's authorization, therefore my request is twofold, and as follows. 
Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until I have validated the debt Please send this information to my mailing address listed above and accept this letter as a formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting this debt to the credit bureaus before allowing me to validate if it may be a violation of the Fair Credit Reporting Act, can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days to respond to this request, or this debt will be considered invalid and removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute are listed below. 

I C SYSTEM ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX ( Reported : XX/XX/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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2024, I received an email from Chime online bank " welcoming '' me to their " team '' and a few days later a debit card from them arrived in the mail. I signed up for neither a checking account or debit card. When I finally was able to speak with an actual human ( I said my debit card had been stolen ) through the customer service number provided on the debit card, they could not find my checking account based on the debit card number they had sent me. They then asked for the last 4 digits of my XXXXSN as a way to verify my supposed checking account. I told them I wasn't comfortable supplying this personal information and they told me they couldn't cancel my " account '' ( which they couldn't even find ) without that information. I then contacted XXXX XXXX 's team who suggested I file a claim with you all. And, for what it is worth, I do have my credit frozen with all of the major reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I TRY TO WORK OUT WITH SPS AND THEY HAVE NO PROGRAMS TO HELP ME OUT I REUNITE BETWEEN FAMILY MEMBERS AND FRIENDS XXXX TO HALP THE XXXX THEY SAY TO AVOID FORECLOSURE AND THE OTHER PAYMENTE AT END OF LOAN IS MY PLAT I HOPE YOU CAN HELP ME TO CONVINVE THE DEAL THANKS LET ME KNOW IF YOU CAN HELP IM OLDER MY MOTHER RETIRED AND MY BROTHER HAS XXXX  FOR WORK THANKS I CAN STIL MANAGES TO PAY MORTAGE.. BUT I NEED HELP I DONT WANT TO GO BANKRUPCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for my own credit and was denied through Citi Bank Application ID XXXX my rights have been violated and I'm excersing my rights as per the equal credit opportunity act. 
I entered into an application of securities and received no valuable exchange. I demand my application to be approved or for my application to be returned. 
denial of this request will result in securities fraud. 
This also falls under discrimination and I have been injured. 
being denied my own credit has brought me much humilation and heartache. 

I also never gave any written consent for you to sell my information to any third parties. 
remove all hard inquiries from any and all reporting cooperations.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Subject : Formal Dispute and Urgent Request for Validation of Accounts Dear Sir/Madam, I am writing to formally dispute the validation of several accounts listed on my credit report by XXXX XXXX XXXX and XXXX XXXX. Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reported accounts, compelling me to seek your intervention and request thorough validation of these accounts. 

Account Information : XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$2300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$2300.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$1400.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX Recent Balance : {$660.00} as of XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Status : Collection Account. {$660.00} past due as of XX/XX/XXXX. 

I dispute the validity of these accounts based on the following grounds : Lack of Proper Validation : Despite my previous dispute attempts, the accounts in question have not been adequately validated by the reporting agencies. I request comprehensive validation of these accounts, including but not limited to verification of the account numbers provided. 

Unclear Documentation : The documentation provided thus far regarding these accounts has been insufficient and vague. I request clear and detailed documentation that unequivocally proves the validity of these accounts, including account statements, agreements, and transaction history. 

Discrepancies in Reporting : The reported account information contains discrepancies and inconsistencies that cast doubt on the accuracy and legitimacy of these accounts. I request clarification and validation of all reported details, including account numbers, balances, and dates opened. 

I demand an immediate and thorough validation process to ensure the accuracy and integrity of my credit report. Failure to provide adequate validation will result in the removal of these accounts from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I expect written confirmation of the validation process and a detailed report of the findings. Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this dispute swiftly and fairly.

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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
My name is XXXX XXXX. Phone number XXXX. 
I requested ( Goldman Saks person name XXXX ) apple card collector to not called at this number ( XXXX ) or any other number on XX/XX/year> @ XXXX XXXX XXXX. To put all communication in writing They called me again today at XXXX XXXX XXXX to collect on the account from number XXXX. This is a violation i want to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, - Property Closing Date with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter acquiring loan using NewRez, as servicing agent XXXX XXXX, XXXX - NewRez said they did not receive the HOA flood policy XXXX XXXX, XXXX - Clients letter to NewRez enclosing copy of HOA flood policy XXXX XXXX, XXXX - NewRez letter to clients re flood policy will expire soon XXXX XXXX, XXXX - XXXX XXXX  sent HOA flood policy to NewRez ( clients request ) XXXX XXXX, XXXX - NewRez letter to clients confirming HOA flood insurance policy that they had placed on our property was cancelled on XX/XX/XXXX because adequate insurance coverage had been received. 
XXXX XXXX, XXXX - NewRez letter to clients saying that HOA flood policy did not contain adquate flood coverage. 
XXXX XXXX, XXXX - NewRez letter to clients stating that if we don't receive proof of an active flood policy within 15 days, they will give us lender-placed flood insurance. 
XXXX XXXX, XXXX - Clients letter to NewRez resending flood policy again & giving them flood insurance group policy information to contact directly. 
XXXX XXXX, XXXX - NewRez letter to clients informing us that lender-placed flood insurance policy had been placed on their behalf. 
XXXX XXXX, XXXX - Clients letter to HOA flood policy company XXXX XXXX XXXX XXXX, XXXX ) with NewRez documentation of what they were doing to us. XXXX sent ( via fax and mail ) the insurance flood policy confirming proof of coverage. 
XXXX XXXX, XXXX - NewRez Annual Escrow Account Disclosure Statement showing new amount due on XX/XX/XXXX. 

NOTES : On our closing date last XXXX, clients signed an Escrow Waiver specifying that there be no escrow account. Additionally, Notice of Servicing Transfer that was also signed, specified that the original terms of our mortgage would not ever be changed.

During all this correspondence from NewRez, there was never a name, a contact, or direct phone number of anyone to ever contact.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am reaching out to follow up on my previous communication regarding the settlement of this account and to request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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 a 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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one 360 checking account. 

So I had someone hack into my door dash and buy a bunch of high end food on my card on file ( this Capital one checking in question ) so naturally I disputed it, the rep was nice, friendly and understood. 

couple days later I call for a status and they claim " it was closed. denied and you resubmitted it '' NO I did not!!! I asked for them to review the recorded calls to prove this, they said they can't ( we know thats a lie ) however the reason it was closed and denied was ( Get this ) " You stated your card was in your possession the entire time '' Let that sink in for a second... 

Door dash is an APP, that got HACKED into!! me having my card in my possession makes NO difference!!!! they stuck to their story ( of course ) I literally had to ask if whoever makes these decisions do they drug test? this might be the dumbest thing I have ever heard from a bank ... and they are really trying to stick to this crap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2023 I was traveling with my son thru XXXX XXXX CA.I needed some cash I couldn't find a XXXX atm so I use a bank of america atm i made one transacion requesting {$200.00}, the atm dispense the money but I couldnt reach the money and by the time I unbuckle my seatbelt the atm retracted the money, the screen start idling and then it said WAIT and the transacion got cancel, after that I stared another transacion and was able to get money ( XXXX ) but, when I check my XXXX XXXX acct., it was 2 charges of XXXX each.I called XXXX and made a claim Chase refund me the money pending and investigation .XXXX denied the claim and deduct the money from my acct. 
I called Bank of America costumer service and they said that they can't help me. 
I wrote letters to Bank of America corporations and I got the same answer.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2024, I received a Credit Report Alert from my online XXXX XXXX XXXX provided by XXXX XXXX. This alert was sent because someone had made an unauthorized Credit Report Inquiry to Experian for a credit card application that I knew nothing about and had NOT requested. 

When I contacted Experian about this unauthorized credit report inquiry I was informed that XXXX XXXX had made the request - without my knowledge. However, this unauthorized request resulted in my Credit Rating taking a XXXX hit, but Experian assured me that no credit card was being issued and that my credit score would be corrected/ restored to its previous " Excellent '' rating. 

On XX/XX/2024, I received a letter from XXXX XXXX requesting additional information that was required before they could approve my ( XXXX ) credit card request. Reference Number : XXXX. XXXX XXXX wanted the following three ( 3 ) documents : 1. Proof of current physical address ; 2. Proof of Date of Birth ; and, 3. A copy of the letter ( referenced here ). 

On XX/XX/2024, I called XXXX, the phone number referenced in their XX/XX/XXXX letter, and I spoke with " XXXX '' who told me that my ( BOGUS ) credit card request was being canceled and that he would alert their Fraud Dept. to investigate how this ( XXXX ) request had been initiated, and by whom. He further stated that I would receive a response from XXXX XXXX XXXX XXXX. within XXXX ( XXXX ) days. After this discussion I ended our call by telling " XXXX '' that I was going to contact the Consumer Financial Protection Agency and report them for requesting and accessing my credit report unlawfully.

I know this is a lengthy response, but I do appreciate someone taking the time to read and act on this complaint as there may be XXXX more who are being targeted and having their credit scores lowered by these unlawful credit report requests. 

Thanks you!

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief