vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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 — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Back in XXXX I was served with Summons from Selip & Stylianou. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when Selip & Stylianou told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXXXXXX ). ( XXXX XXXXXXXX ). ( XXXX XXXX XXXXXXXX ). ( XXXX  XXXX ). ( XXXX XXXX ). ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX XXXXXXXX ). ( XXXX XXXX ). ( XXXX XXXX ). ( XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY

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 2021-07-19 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: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: High Performance Capital
State: NV

Complaint narrative:
I received the final payment of {$100.00}. Which I paid. I know there might be late fees but they never showed on the statements. XXXX from HPC called and said there were late fees. I asked him to send them to me in writing so I could pay them. He said he wouldn't that he was giving them to me verbally and I should write them down. I asked him to please have XXXX call me, ( XXXX was the one who set up the end of the month payments with me ). XXXX has never called. The next statement came, Account balance {$1.00}. Car repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XXXX I had a XXXX take me to a bar in XXXX, AZ. I went to the location suggested by my driver. It turns out it was a XXXX XXXX operated by XXXX XXXX and they run a very rough and poorly rated operation. XXXX  reviews show hundreds of similar complaints to mine and the XXXX  rating is a XXXX for the bar. As soon as I walked in I was taken to a back room and basically forced to give my debit card and all my cash ( {$200.00} ). They did this in a very threatening way. The club was pitch black and I was there for 5 min. I wanted Out of there and I escaped. I contacted chime bank the next day and they told me how to file a dispute. I felt then as I do now that it shouldnt be a dispute but rather a theft claim. They said it would take no longer than 90 days to investigate and clear and refund me the money however its been longer than 90 days. When you called and no one can help you they open a Ticket with their investigation team with you no one can contact on XXXX XXXX because supposedly takes three days and still no response. I contacted them today they cant see why The investigation team didnt respond in the three days theyre allowed so they are adding another three days. Its a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX ( first time I have heard about this ) from " Cash Central ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted XXXX XXXX. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from XXXX, that the date of birth provided by previous companies was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: IL

Complaint narrative:
ON MY XXXX CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY EQUIFAX CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY XXXX CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ON MY XXXX  CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX  CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY EXPERIAN CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX  VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.

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 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: BHA Services
State: CA

Complaint narrative:
BHA Services calls numerous times daily using untraceable spoof numbers. In addition to the hundreds of calls they text and leave voice messages. The person who usually calls is named XXXX ; another caller said " This is XXXX. They always call from different phone numbers located in various states. 

One recent call on XX/XX/2021 was received at XXXX XXXX  from XXXX ( not a real # ) XXXX XXXX left a message to call him at XXXX. This is not the first call received from him before XXXX XXXX  or after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. The account being on escrow along with XXXX XXXX has cheated me of thousands of dollars per tbe XXXX XXXX XXXXXXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with Select Portfolio Servicing Inc at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. I really look forward to this company honoring my request during this pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
i start trading cryptocurrency with COINBASE in XX/XX/XXXX, make several transactions deposit and withdraw with no issues till XX/XX/XXXX, someone compromise my account and change password and email for my account and tried to make 2 other purchase using my bank account XXXX, but thank GOD i could dispute those transactions because they were still in pending, tried several times to contact Coinbase customer support via email and phone to fix this issue but no aim, no-one get back to me except for first time to provide steps to reset password but when i try to tell them that hacker change Email for my account to his, they stop responding and never get back to me after that, the hacker took {$14000.00} from my account in 5 different transactions cleared from my bank account as shown below : XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2900.00} i really need my money back my case # XXXX username : XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I paid off my collection at First Point Collections in XXXX North Carolina in XXXX of 2020, shortly after I found out it existed. Only to find out a year later it is still on my credit as paid and not deleted. I have called several times and have been told that the manger is on vacation and only he can delete these items. When the manager returned my items still havent been deleted. I have been given the run around over and over again. I did my part by paying my debt I just want them to do there part and have it deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
A collection agency Harvard Collections based out of XXXX, IL placed two separate reports to my credit for the same debt in XX/XX/XXXX and again XX/XX/XXXX. I have never been contacted via phone, or mail in regards to any debts. When I contact Harvard they could provide zero I formation but it was a debt from XXXX. I contacted XXXX  XXXX  number provided from Harvard Collections and was told it was an overpayment from XXXX in the state of Illinois. I have not lived in Illinois since XXXX. They have no record of ever speaking with me and could not verify any other information. They confirmed they have never received any payments towards the debt from me but from state tax returns in XXXX & XXXX. Since, then there has been no other contact on this debt until it appeared on my credit 21 years later without warning. Not only was it reported it was done twice causing me great economic hardship as my daughter is preparing to return to school this fall and this hurt my abilities to co-sign her lease. I do not owe this debt and have zero knowledge. How can a company put a 21 year old debt on your credit without reasonable attempts to resolve? What is the statute of limitations? These people basically are saying they waited over 10 years to report the debt. I had to write the headquarters of XXXX in XXXX, IL for details as Harvard or XXXX XXXX  could provide any details just the date of debt and the amount. I do not owe this and needs to be removed from my credit reports ASAP. I also want Harvard Collection and XXXX collections tactics reviewed as this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Colony Brands, Inc.
State: NY

Complaint narrative:
check these accounts that appear on my credit report, they do not belong to me, it is hurting me Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GINNY 'S XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
after many times contacting my mortgage company and explained my hardship situation with them and all problems i have since i lost my husband who supported me and we lost all our assets in XXXX  and sending all my required documents to the mortgage company the mortgage company does not show flexibility and still asks for the same items which isend more than 5 times and doesnot seem to cooperate with this issue and problem of my mortgage hardship to reduce monthly payment of my mortgage and i we are in a very difficult condition becuase of economy situation and lost all our assets and all belongings that we had and loss of income and covid 19 problems issue not able to make any source of income becuase of this pandamic and mortgage company already knows about all these still refuses to show flexibility and compromise and we are in very difficult financial situation and not able to make full payment of the mortgage unless the amount of mortgage shall be reduced monthly greatly apreciate your help and assistance with this issue to have mortgage company come up with more flexibility and reduction of our mortgage monthly payments thank 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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Back in XXXX I was served with Summons from XXXX XXXX XXXX. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when XXXX & XXXX told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.

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