vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was emailed an approval from DEO ON XX/XX/XXXX. I was approved for {$4800.00} in past due payments for my mortgage company Shellpoint. I was told that on XX/XX/XXXX the payment was mailed. It has been 5 months and the payment hasnt posted. I emailed Shellpoint and called them on XX/XX/XXXX advising that the payment never posted. I called HAF AND EMAILed to file a complaint on XX/XX/XXXX to file a missing payment complaint. I still havent received a resolve from Shellpoint, Homeowners assistance fund, DEO, or Horne. No one has been able to locate where or what happened toissing past due payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
XXXX  sent out the first notification of debt in late XXXX. I received the notice on XX/XX/22 and it indicated I had the right to 30  days for disputing or paying the debt. I received a voicemail from a collector XXXX at XXXX on XX/XX/22 at XXXX indicating he was from XXXX XXXX XXXX  and requested I give him a call at XXXX. He did not mention he was attempting to collect a debt in the voicemail so I returned the call at XXXX. He advised who he was and that he was attempting to collect a debt for my utility bill and asked if I wanted to set up arrangements. I advised I was still within my 30  day window for dispute so he was harassing me by calling before that time was up. He apologized and hung up.

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 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in any way.

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 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is regarding Capital One credit card XXXX XXXX XXXX, XXXX XXXXXXXX An XXXX XXXX  was purchased from XXXX  on XX/XX/2021 for {$180.00} The watch could not be paired with an XXXX and required an XXXX XXXX to function ( was not clearly stated by the manufactuer ). XXXX via XXXX courier and receipt of the returned item was confirmed by XXXX but refiund was not issued without explanation. Subsequently I have sought Capital One card member service to initiate a dispute case ( Case Number : XXXX ) On XX/XX/2021 Cpaital One credit card has notified me that they could not assist with the dispute stating that the merchant 's good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: PNC Bank N.A.
State: NV

Complaint narrative:
I would like to report inaccurate information that 3 auto loan banks are reporting to XXXX credit bureau. The do not belong to me. 

On XX/XX/XXXX, I called all three banks and they confirmed verbally that the loan on file does not match my name and social security number. None of the 3 banks are willing to provide me written confirmation that the loans are not associated with me and that they the will stop reporting to credit bureaus under my name and social security number. 

XXXX Texas XXXX XXXX XXXX ; account XXXX ; XXXX ; I spoke to XXXX XXXX XXXX 


PNC bank ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; XXXX XXXX XXXX in Texas ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; I have credit freezes on my social security number with XXXX and XXXX credit bureaus because there was a personal information breech at my job in XXXX. I attempted to freeze my credit with XXXX credit bureau too but this option was not available on the XXXX website or by phone. 

Apparently a XXXX XXXX XXXX XXXX have the same date of birth as me and has opened 3 auto loans in Texas. All three of the banks that I called today, said that XXXX XXXX XXXX did not have a social security number listed or that it did not match mine. 

I am having difficulty getting a home mortgage loan because of this collective issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc
State: VA

Complaint narrative:
I started investing in Blockfi in XXXX and moved my money over from XXXX. I did this because Blockfi had promotions for their interest account. They were offering over 10 % interest on some of their products, so I brought over my bitcoin and XXXX. During that time at Blockfi, they were growing in their business, and everything seemed to be going fine. I even started a loan with them where they would essentially give me the cash and hold my bitcoin as collateral. I also started using their new product, which was called the Blockfi credit card through XXXX. My first loan started on XX/XX/XXXX, for {$10000.00}. I specifically used the money to buy more bitcoin on the Blockfi platform in hopes that bitcoin would go up. Nonetheless, I made the decision to re-up my loan for {$10000.00} on XX/XX/XXXX. I currently hold XXXX Bitcoin and XXXX XXXX on the Blockfi wallet. With XXXX Bitcoin held as my collateral for the loan. 

Now with all that being said, I was depositing my hard-earned money into Blockfi over a two-year period. I believed everything that they said was true, they were growing as a business, and I believed and trusted that they would hold my crypto safely. The reason for this complaint is that they were dealing with XXXX, which is a crypto company that filed for bankruptcy due to fraud and scam. The former CEO of XXXX was charged with over eight counts of illegal activities, including wire fraud. XXXX essentially bailed out Blockfi over the summer which commingled customer funds, including mine, which is illegal. 

My life savings were held in Blockfi and unfortunately, I do not have access to them now due to Blockfi bankruptcy hearings. Another reason I believe this complaint will be heard is that Blockfi continuously tweeted on XX/XX/XXXX that all the customer funds were safe and there were no problems during the XXXX collapse. I decided to keep my funds with Blockfi and not make any drastic moves because I believed the company and trusted him. But literally the same day that night they tweeted out that they had paused withdrawals due to the XXXX collapse. 

I have been investing in stocks and crypto for over six years and this is the first time that I realize that my money is not safe due to centralized entities controlling my money. I do not know if I should sue Blockfi or XXXX but I surely do not have the funds to do that. Hopefully, this complaint can be heard and I can get some clarity on what will happen with my money. It is unfortunate that the former CEO of XXXX collapsed a {$32.00} XXXX company and lost over {$15.00} XXXX in customer funds. He even gave XXXX of dollars to celebrities and politicians to use their platform. It could have been customer funds of Blockfi as well. I am scared that I will never get my money again. 

Please help and acknowledge this complaint, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: LA

Complaint narrative:
SEE ATTACHED Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX la XXXX remove ALL other addresses listed The only phone number should be listed ; XXXX remove ALL others There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I financed a XXXX  XXXX XXXX from XXXX in XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX and after transaction was complete I asked what to do about further XXXX  payments so it would not hit my credit as late and XXXX told me no worries we will handle that just take it off autopay so they will not charge you. 2 months later I had a late payment on my credit for the XXXX. I texted them and XXXX said it was paid off in XXXX and the credit report would update to never late at some point. I disputed the late payment with Capital One through XXXX XXXX and was told they wouldnt remove it for some reason?? On top of all of that XXXX did in house financing through XXXX XXXX and hit me with another late payment on my XXXX in XXXX even though I have email receipt from XXXX XXXX with the correct payment date on it never being late and asked them to fix that as well over their online app chat and was told to basically go XXXX myself. This company is destroying my credit on top of the fact the XXXX I got is a lemon vehicle so literally all I want is the late payments deleted so I can go back to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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:
I noticed inaccurate and unverifiable information on my report.

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 2022-12-14 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:
I noticed inaccurate and unverifiable information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
on XX/XX/22 I purchased a money order from western union at a XXXX for {$300.00}. I accidentally endorsed it in the back instead of signing on the purchasers signature line. I called and the money order was traced and confirmed which is what the website advised to do even though I was clear with the agent on the phone that the money order was in my possession I just wanted to get my money back and need guidance on the process. They advised to go online and file a refund request form which I did and sent all proof needed. it stated I should get a follow up within 30 days ... its now been over 3 months and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} 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 of 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 2022-12-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$31000.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Affirm credit showed up on my credit reports for 8 or more items that I was never contacted about in writing, which is a requirement of Massachusetts laws. When I tried to contact them, they would not give me any information and just told me to pay. Now the keep calling me and demanding payment after I told them to write to me the debt claimed and provided proof that it's mine. The have violated the Fair and accurate reporting act. the fair debt collection act, and numerous laws within the XXXXXXXX XXXX Massachusetts to include XXXX XXXXXXXX for Unfair Deceptive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: OK

Complaint narrative:
XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report. I never authorized, used, or benefited from these accounts or transaction in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/22 - PayPal advertised to me on their main webpage after I had logged in that from a transaction that was approximately {$10000.00}, that {$4000.00} was available for instant withdrawal ( within 60 minutes and for a fee of 2.5 % of the transaction equaling {$60.00} ). PayPal failed to deliver the funds and basically threw every excuse they could at me, from blaming my back for this issue to saying they didn't know I had a new account although they had no trouble placing automatically placing a hold on the approximately {$10000.00} that was received. 

Although Paypal purports to do this for their customer protection, they had no issue in taking their % fee from the transaction as soon as the funds were received in the accounting. 

I believe in providing deceptive advertising Paypal violated various CFPB regs and dealt in bad faith as an unfair trade practice and is in breach of the covenant of good faith and fair dealing. 

I have the phone recording if there is a way to share them I would be more than happy to. 

Highest supervisor point of contact that was unwilling to help : XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief