vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2021 I received an email from Chime congratulating me on my new account. I had never heard of them and did not set up an account with them. I also noted that my name was as misspelled. I immediately tried to call their customer service line to have the fraudulent account closed/deactivated. Chime 's automated phone system directs you to contact them via email at XXXX. I immediately sent an email. I never received a response and continue to received automated emails from them about my " new account '' and received a debit card in the mail on XX/XX/XXXX. To date I have sent Chime three emails and have repeatedly been unable to reach anyone on their customer service phone line. Given the lack of response from Chime this leads me to believe that they are a fraudulent operation and need help insuring any active account in my name is closed or deactivated and does not reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have contacted this collector numerous times without response. They have been paid in exchange for payment. They have not removed themselves from 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 explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP
State: NY

Complaint narrative:
I called this company to returned voluntary the car XXXX XXXX XXXX  because I could not pay at the moment for health issues then to avoid problems with this company I decided return it. The key bank picked up the car in my residency XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. After that I called them and they informed me that the car was sold and the totally cost of the debt was totally cover. Then I received the last bill with the balance {$0.00} dollars. After all two months later I received another bill from another location of KeyBank in the state of New York that I have to pay the totally cost of the car. I called them and they told me I have to pay and I began pay about six months but they pushing me that I have to pay the totally cost of this debt. Then I asked for the real documentation that they told me that they have that I signed that I am responsible for this debt. I requested that send to me at my address. I never received nothing so they reported in my credit the debt but they didn't reported the payment that I made. I want an investigation of this because I have the proof that the balance of this debt is {$0.00} dollars. Now the balance is {$12000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
** THIS IS NOT A DUPLICATE COMPLAINT. ** XX/XX/2021- Santander saw equity in my vehicle and even though we had a payment arrangement in the middle of a World wide pandemic wrongly repossessed my car. 

XX/XX/2021 - I filed a Chapter XXXX bankruptcy. That places an automatic stay on the car which Santander Consumer ignored against the US Bankruptcy laws. 

XX/XX/2021 - My car was returned damaged. Below I include a .pdf with the timeline and pictures of what happened. 

XX/XX/2021 - I filed a claim with Santander Consumer. I was told the company experienced damages due to repossessions. The company would fix my vehicle to the same condition as when it was taken. 

XX/XX/2021- Santander Consumer said they found no problems with the return of my car and would not fix any damages or replace missing parts. 

Santander Consumer wrongfully repossessed my car on XX/XX/2021. The company they hired was XXXX XXXX who broke my car rack and kayak carrier, scratched the exterior of my car, put paint inside the car and stole my spare tire kit. Santander Consumer and their shady business partners have stopped my full use of a car, a car I am paying for, for the last six months. When anyone touches your personal property that property must be returned in the original condition it was taken. 

I have been lied to by Santander Consumer and its business partners. I have been cheated of the use of my vehicle, my time and money. And, Santander Consumer continues the same deceptive, misleading and cheating business practices they have a long list of class action lawsuits they continue to lose because the way Santander Consumer is treating consumers is against our laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: DE

Complaint narrative:
This is a complaint against timeshare XXXX XXXX. The people that I remember dealing with or were involved with this were XXXX XXXX & XXXX XXXX. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up, and even said it can go up {$29000.00}. We were alsotold that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for me but we were never properly educated of the fees involved. Everything was rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. They have our ID during this process. They offered us gift vouchers. We weren't properly informed how to cancel. We didn't even know how many days to cancel. I was XXXX and my wife was XXXX y/o at the time and we feel like our ages were taken advantage of. We have medical conditions such as XXXX, XXXX problems, XXXX  XXXX  etc & having this timeshare just doesnt help, it just gives us financial difficulties. Plus, they will keep on calling everyday. Having this timeshare just causes us stress plus the current problems and issuses we have due to XXXX. Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I need to complain about SHELLPOINT MORTGAGE SERVICING. XXXX XX/XX/XXXXsold my loan to SHELLPOINT MORTGAGE IN XX/XX/2021. SHELLPOINT over charged me on the prepayment penalty and ignore my emails and phone calls. The only customer service phone line they provided was useless and refuse to do any further to resolve the problem. And push the responsibility to another by telling customers that the only way to resolve all loan problems is thru emailing XXXX but they never email me back with the upfront answer instead they try to navigate me to something else which is not what I am concerning. Then after receiving one email from them they even never bother to email me back regarding my real concern and my real questions to them. The principal balance is incorrect, the prepayment penalty is calculated incorrectly, the # s on the payoff is incorrect, they purposely overcharge me and refuse to have any communication with me. They refuse to investigate their problems! This is a scamming mortgage company. It is not a legit business! They have over charged me over {$6000.00}!!! 
My email address is XXXX someone please investigate Shellpoint Mortgage and get back to me asap! 
Thank you!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Amount of {$90.00} for an hour parking at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
It took me over an hour of driving around to find parking throughout this historic neighborhood. I went in and out multiple times of different and the same parking lots since they were all full. I did park and pay at a Parking space and then I also parked at another handicapped parking spot. I also had to input the make and model vs the license plate. There were also people taking cash payments in some of them. It was chaotic. They have provided a pic of a moving car... Yes a car in movement in a parking lot. Not a parked car. This is unacceptable. And as I said, I also paid someone and cash to park. They need to have signs to say how they collect and how if you fail to keep your stub 3 months later as proof, a {$100.00} payment will be requested. I demand for this to be removed. For any parking facility to have ample handicap spaces close to were payment is to be made and a notice to keep your stub for 3 months down the row in order to provide proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
There is a collection from Wakefield misreporting a balance to XXXX and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have deposited XXXX into my Gemini account on the XXXX. 
The bank transfer should have been there on the next 1-2 bank working days. 

When i wanted to check if my deposit has already been credited, i noticed, that my account got blocked and i contacted their support. The support did not answer me at all... I needed to contact one of their support agents directly through XXXX to even get an answer, where they were claiming, that they would have not received the deposit ( I have already deposited money into my Gemini account earlier, but never that much and it always worked fine ). 
After a few days i should upload my payment receipt, which i did... But since that day, they never got back to me... either on XXXX or via Email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, I have been working on this issue for 18 months, so I'm happy to see that I am able to report Experian to the CFPB here. Long story short, my current mortgage is not reflected on my credit report and I need it to be ( it should increase my credit score ). This was a problem a year ago and I tried so many times to have it fixed that I just quit. Now I am trying again. About 6 months ago I started some credit disputes through Experian. I am disputing the fact that my mortgage is not reflected on my credit report. 

Their disputes department has directed me every time to have my mortgage lender upload the documents showing the details of my mortgage. My mortgage lender XXXX XXXX XXXX XXXX ) has done this 4 or 5 times now in the last 6 months. Each time, XXXX XXXX is sending me screenshots of the cases in the XXXX system showing me they are sending my mortgage documents to Experian. They also give me a case reference number every time that I can give to Experian. However, Experian still never updates my credit report to show my existing mortgage. Every single time I call about this, they literally tell me they can't tell me if they have received the info from my mortgage company or not, and they have me direct my mortgage company to call their Experian rep. I tell them we have done this many times already, and they tell me this is all that I can do. 

My mortgage company has tried contacting their Experian rep several times over the past few months. The rep never calls back, and they never confirm that they are receiving my mortgage information. At this point it seems like it is literally impossible to get Experian to give me an answer about how to get this fixed, and also impossible for my lender to even contact them .I don't know what else to do. 

Thank you for hearing me out, 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 explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2021, I attempted to add {$400.00} to my XXXX gift card using my Citibank credit card. My Citibank credit card was charged {$400.00}, but the money was never desposited on the gift card. I filed a dispute with my credit card company and with XXXX. Citibank says that they have been unable to get XXXX to reverse the charge and XXXX has been giving me the runaround on the transaction. At this point I just want the {$400.00} refunded since I no longer trust putting the money on to a XXXX gift card. It has been four months since this occurred and the problem is still not resolved.

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 2021-10-07 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company is inaccurately reporting late payments to the credit bureaus. I was never late paying this account. This account was paid in full on time. I have tried to get this resolved with this company by telephone and the company response was that it will stop reporting this incorrect information but this has not been corrected. This is a common practice for this company.

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 2021-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
On XX/XX/XXXX I have contacted ASTRA ADA RECOVERY in regards to an account in XXXX transferred and sold as a debt collection. I called to get fax number and was transferred back to the original furnisher of information SPEEDY CASH. I was sent to the survey automated system when placed on hold, I than called back to get account number and was told it was an attempt to collect a debt which is illegal to do so pursuant to 15 USC 1692b ( 2 ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There is a collection from XXXX misreporting a balance to TransUnion and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There is a collection from XXXX misreporting a balance to XXXX and Equifax that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I've been getting harassing and intimidating phone calls from CCS Collections for some time now and even after I told them that I DON '' T OWE THEM ANYTHING they continue to harass me with unwanted phone calls. I did speak to someone on XX/XX/21 number XXXX but the harassing phone calls continue. They also made harassing calls on the following dates with the following numbers : XX/XX/21 XXXX, XX/XX/21 XXXX, XX/XX/21 XXXX and XX/XX/21 XXXX. They know that I don't owe them anything yet they continue to harass me and my family with these unwanted phone calls. I am XXXX and XXXX and I don't need any added stress. I WANT THESE PHONE CALLS TO STOP!!!!!!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$470.00} XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4900.00} DPT TREASURY XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation