vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing ( NewRez ) for failing to provide proof of legal loan ownership after acquiring my mortgage from Specialized Loan Servicing ( SLS ). 

I sent a Qualified Written Request ( QWR ) requesting proof of ownership, assignment records, the original promissory note, and a full loan history. Shellpoint failed to provide this documentation within the required timeframe, violating RESPA and TILA. 

There is an active class action lawsuit against XXXX for improper loan assessments, raising concerns that my mortgage balance may be inaccurate. Shellpoint must prove legal ownership before enforcing any collection or foreclosure actions. 

I request that the CFPB investigate Shellpoints failure to provide documentation and ensure they comply with federal mortgage servicing laws.

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 2025-02-11 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sometime back in XX/XX/year> I called the company ( XXXX XXXX XXXX XXXX ) & Region Bank requesting they day take the negavitive inaccurate information from my credit report which I never authorized them to report anyway. 
There was no cooperation I was never sending documentation and now my credit score is being greatly impacted. My late status is exaggerated. 

Would like assistance removing this inaccurates from my reports with XXXX, XXXX XXXX and 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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally request debt validation for the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

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 2025-02-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
JPMCB CARD 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 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am filing a formal complaint against [ Debt Collection Company ] for attempting to collect a debt without proper validation and for violating the Fair Debt Collection Practices Act ( FDCPA ).

The company has contacted me regarding a debt they claim I owe. However, when I exercised my rights under 15 U.S.C. 1692g of the FDCPA and requested proper validation of the debt, they failed to provide sufficient proof that the debt is valid, that I owe it, or that they have the legal authority to collect it. 

Additionally, despite their failure to validate the debt, XXXX XXXX XXXX XXXX has continued its collection efforts, which constitutes a violation of the following FDCPA provisions : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) Requiring collection efforts to cease until the debt is properly validated.

Furthermore, I have reason to believe this debt was purchased by XXXX XXXX XXXX XXXX and they have not provided adequate documentation to prove its validity. Their continued attempts to collect without proper verification are not only unlawful but also misleading and harassing. 

I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for its violations of federal debt collection laws. I would also like this company to cease all collection efforts unless and until they can provide complete and verifiable proof of this debt in compliance with federal law. 

Please let me know the next steps regarding this complaint. I appreciate your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently looked at my credit reports and noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account Name : XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX Account 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$1500.00} from my XXXX to my XXXX bank account ending XXXX. XXXX XXXX account was terminated automatically a month later as XXXX wanted to terminate our banking relationship, and they issued me a check that does include {$1500.00} transfer from my XXXX, because my XXXX preferred name XXXX XXXX XXXX XXXX' shows up in the transaction and it is not matching with my XXXX legal name XXXX XXXX XXXX XXXX XXXX'. I raised a dispute ( Dispute ID XXXX XXXX with XXXX, and my dispute was rejected by XXXX and the representative claimed that the transfer was successful. I explained the situation to another customer service representative, they reopened the dispute case and it was again rejected because they said successful transfer can not be reversed. They provided me a trace number XXXX so I could provide the bank 's ACH department. I have explained to them multiple times that the transfer was successful, but XXXX is currently holding my money and do not want to release the funds because the preferred name is not matching my legal name upon closure. However, XXXX dispute team does not seem to understand and they reject my dispute saying that the transfer was successful and could not be reversed, even though I re-appealed the case. I do not have any specific email address from XXXX that I can reach out to, and it is a different person replying to my email every time I reply to them, and they do not seem to know what is going on with the case. The turnover/response time from XXXX is 7-10 business days after I reply to an email. I demand XXXX to submit a recall request to XXXX, as explained by XXXX named a completed Uniform Indemnity Agreement, or hold harmless form. I am not sure how the internal process work, nor do I know if this will be a dispute process, but it has to reach the right XXXX  servicing team with the right expertise to handle this matter. It should not be a customer service representative that is talking to me about this matter. 


Here is a note shared by XXXX : " In your recent correspondence you advised that you filed a dispute with XXXX, which was subsequentially rejected. We suggest you re-contact them once again, and request they contact the appropriate servicing team. The originating financial institution will need to send a recall request directly to XXXX along with a completed Uniform Indemnity Agreement, which may also be referred to as a hold harmless form. They can return the completed form to this email XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 called the loan servicer on several occasions with an average wait time of about 3.5 hours. The first time they shuffled me around, transferred me, and eventually put me on hold again for another hour. Needless to say, I didnt get the issue resolved. The second time I called, I was told that my auto pay was just fine and there wont be any penalties with my missed payments. Flash forward XXXX months and my auto pay has still NOT worked, and now I can not make a payment on the website or by phone due to an error code. As Im writing this, I have been on the phone with customer service for XXXX and counting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Someone has stolen my identity. I am locked out of my own accounts and when I tried to get a credit report from each of the three main agencies, it said my birthday doesnt match my Social Security Number . Additionally, before I was completely locked out of my XXXX Credit Card account, they sent me alerts about a credit card affecting my credit score in a bad way that was activated some time in XXXX and its already over its max amount. I didnt open any new credit cards, loans etc. The credit monitoring from that account combined with letters Ive received from multiple state agencies and my Insurance company and a weird welcome letter from one XXXX Bank are the only things Ive seen to alert me and they all arrived within a couple weeks of each other. Additionally, there is a fraudulent business that stole over {$2000.00} from my bank account, buying Cryptocurrency. I was texted in my phone from a person claiming to be a recruiter, who got my information from a recruiter who made it seem that the part time gig was legitimately doable with my disabilities, but that I could make enough not to need to be on disability. I asked dozens of questions throughout my entire engagement with them and have pictures of all of it because they requested to communicate through XXXX and I didnt want to run the risk of losing any documentation. Turns out I was right to be skeptical. If people are actually making money on XXXX, they are doing so fraudulently. They pose you as a bot, essentially and give you a set selection of reviews to chose from, nothing you input yourself except clicking on one. They trick you into a cycle from which youre paying them to work. I also found out that they buy peoples personal information off the internet in order to recruit people like me.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Someone has stolen my identity. I am locked out of my own accounts and when I tried to get a credit report from each of the three main agencies, it said my birthday doesnt match my Social Security Number . Additionally, before I was completely locked out of my XXXXXXXX XXXX XXXX account, they sent me alerts about a credit card affecting my credit score in a bad way that was activated some time in XXXX and its already over its max amount. I didnt open any new credit cards, loans etc. The credit monitoring from that account combined with letters Ive received from multiple state agencies and my Insurance company and a weird welcome letter from one Comenity Bank are the only things Ive seen to alert me and they all arrived within a couple weeks of each other. Additionally, there is a fraudulent business that stole over {$2000.00} from my bank account, buying XXXX. I was texted in my phone from a person claiming to be a recruiter, who got my information from a recruiter who made it seem that the part time gig was legitimately doable with my XXXX, but that I could make enough not to need to be on XXXX. I asked dozens of questions throughout my entire engagement with them and have pictures of all of it because they requested to communicate through XXXX and I didnt want to run the risk of losing any documentation. Turns out I was right to be skeptical. If people are actually making money on drip, they are doing so fraudulently. They pose you as a bot, essentially and give you a set selection of reviews to chose from, nothing you input yourself except clicking on one. They trick you into a cycle from which youre paying them to work. I also found out that they buy peoples personal information off the internet in order to recruit people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My name XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX my employer has sent .e as letter that filed was stolen from. The office building XXXX XXXX XXXX XXXX  I have reported this information I have report on my credit report that not my responsibility I need removed from XXXX to XXXX Thanks XXXX XXXX Email XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding a collection account being reported by Credit Collection Services ( CCS ) for {$760.00}. However, I have been contacted directly by XXXX XXXX, the original creditor, offering a payoff amount of {$290.00}. This creates a major discrepancy and potential violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The issues : 1. Inaccurate Reporting ( FCRA Violation ) My credit report incorrectly lists a {$760.00} collection from CCS, while Progressive Leasing ( the original creditor ) is still attempting to collect only {$290.00}. 
If XXXX XXXX still owns the debt, then CCS should not be reporting it. 
If XXXX XXXX sold the debt to CCS, then XXXX should not be contacting me for payment. 
2. Potential FDCPA Violations by CCS & XXXX XXXX CCS is attempting to collect an inflated balance of {$760.00} that does not match the original creditors offer of {$200.00}. 
XXXX XXXX continues texting me despite supposedly selling the debt, which could indicate they have not transferred ownership legally. 
These actions may constitute misrepresentation of debt amount and double collection attempts, which are prohibited under FDCPA Section 807.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
Hello, I belive this account ending in XXXX was open fraudulently. I have requested the original contract showing the physical signature and information used when opening this account. I never got it. in addition the reporting information is innaccurate. the past due amout is different on each credit bureau.nthe credit amout issued was {$5000.00} this makes the total balance questionable. please look into this, seems to be alot of fishy things going on

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I belive this account ending in XXXX was open fraudulently. I have requested the original contract showing the physical signature and information used when opening this account. I never got it. in addition the reporting information is innaccurate. the past due amout is different on each credit bureau.nthe credit amout issued was {$5000.00} this makes the total balance questionable. please look into this, seems to be alot of fishy things going on

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information. 
Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of.. 
American Convention on Human Rights : Article 21 of the American Convention on Human Rights states that no one should be deprived of their property or social interest without just cause. It also prohibits usury and other forms of exploitation.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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