vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I opened an online checking/savings account with Chime Bank. In the next few days I deposited around {$1700.00} into these accounts through a bank transfer from My XXXX XXXX account and from a few XXXX XXXX transfers. On XX/XX/XXXX I tried to check my accounts via my phone app, and was notified my account had been suspended. I immediately called customer support. I was told they could not give me any info on why my account had been suspended for security reasons, and I must email XXXX I emailed XXXX on XX/XX/XXXX asking what was needed to un-suspend my account. I received an email back asking me to send valid ID and proof of residency. I emailed back a picture of my drivers license, my passport, and the property tax bill for my home showing I own it. On XX/XX/XXXX I sent a follow up email asking for confirmation the Identification I had submitted was acceptable or what more was needed to allow me to access my funds. I never received a reply. I sent more follow up emails on XX/XX/XXXX. XXXX XXXX and XX/XX/XXXX asking to please let me know what I need to do to get access to my accounts, and I still have never received a response back from them. They have left me locked out of my hard earned money for well over a month now with no explanation, and will not respond to me to let me know how to fix my account, and regain access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: IL

Complaint narrative:
I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$1700.00} not mine INQUIRIES XXXX/XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX, tried to activate my Netspend card and they wouldnt let me, I provided all my information needed and they wouldnt give me a refund or activate my card, Im out of XXXX dollars right now because their company is terrible, they asked for all this information that I provided but still said it was incorrect, I bought a gift card for XXXX dollars and they expect the gift card to have a name and social security number on it? How does that make sense its a prepaid gift card! Ive been trying to get a refund for weeks but no luck

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 2021-03-08 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: MA

Complaint narrative:
These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the XXXX of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. 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 2021-03-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the Commonwealth of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. 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 2021-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX I divorce my husband and in the settlement he was awarded full responsibility of the Bank of America, The problem is that Bank of America refusing to deleted this from my credit report. My X husband has passed away that was in XX/XX/XXXX since then this bill has shown up my report. I believe that his son might be using card with that would be fraud again still not on me. I have attached my divorce papers so you can see this is my account nor do I have any financial responsibility for it

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 2021-03-08 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: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
I have mailed out my identity theft dispute to XXXX, TransUnion, and XXXX twice in XXXX and haven't received correspondence from the bureaus. I am a victim of identity theft. Account XXXX XXXX XXXX XXXX {$18000.00} is not my account. My personal information was used to open this account. I have uploaded my passport, utility bill, and ssn card with the original documents I mailed usps 2 day priority to XXXX, TransUnion, 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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is in response to a previous complaint filed with the CFPB ( case number XXXX ) against First Point Collections. This agency claims that they sent my original request for validation to an address they had on file which proved to be the wrong address because I never received any claimed validation from them. My correct address is the one listed on the certified mail that I sent as well as the address I listed in my initial debt validation request. By sending this alleged validation to the wrong address First Point has exposed my medical information being that who knows who was on the receiving end of that information. This is a violation of my HIPPA rights as no one should have my medical information other than the medical provider who treated me. This also violates my right to privacy. Also I never received any communication from First Point Collections informing me of this alleged debt which is a violation of 15 USC 1692g ( a ). So not only did they furnish an unvalidated debt but they also turned a private matter public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Also I have attached the alleged validation letter they attached via the CFPB because they sent the initial request to the wrong address. In this letter First Point Collections is in violation of 15 USC 1692b ( 5 ) as well as 15 USC 1692b ( 2 ) for stating that they were a debt collector without knowing who they were communicating with. Since they sent this information to the wrong address whoever that received that mail could assume that Im in debt causing harm to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I had to file personal bankruptcy to stop XXXX XXXX from taking my house from me. When I did that, another company Shell Point Mortgage, whom I believe is involved closely with XXXX XXXX, came after me again even though I am in bankruptcy. Why would a mortgage company buy a mortgage where the balance owed was less than XXXX XXXX dollars with no default payments? I have called them multiple times, on hold for hours only to be disconnected. They do not send me any bills, they do not send me invoices to pay. They are trying to steal my house from me. I WANT to pay. I am ABLE to pay. I am TRYING to pay but they do not want my money. They have only sent me one invoice to pay and never have sent one after, I make copies of the old invoice and still pay monthly. They claim they can not talk to me because of the bankruptcy and that I must communicate through my lawyers, I have had my lawyers send them MULTIPLE letters stating that they can speak with me, and the bankruptcy board, still no communication.

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 2021-03-08 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 — Card was charged for something you did not purchase with the card
Company: Securus J Holdings, LLC
State: MI

Complaint narrative:
On XX/XX/2021, I attempted to purchases 100 " stamps '' through J-Pay, a company that provides electronic messaging between individuals who are XXXX  and those in the free world. There contact information can be found here : https : //www.jpay.com/ContactInfo.aspx Instead of processing my order for 100 " stamps '' for me to communicate with people in Michigan 's XXXX  XXXX ( which is what the page specifically stated when I placed the order ), they instead added 100 stamps to my account to contact people in Florida 's XXXX XXXX. I have attempted numerous calls to their customer service line ( which states they will provide support 24/7 ), but I have not been able to contact a single individual and their automated system does not provide prompts related to this issue. 

Not only have they failed to resolve this issue, but they have also failed to respond to my email inquiry as to why they charge more money for stamps required to contact people in Florida 's XXXX XXXX compared to stamps for people in Michigan 's XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hampton & Hampton Collections LLC
State: NV

Complaint narrative:
I received letter on XXXXstating i owed {$15000.00} in violations, starting from XXXX ( no " violations '' XXXX to XXXX ) .never heard of this before. I have asked 6 times for ALL documents, they say they do not have any, nothing in " my file '' and " what documents? '' after I requested waiver of ALL fines, they sent me letter : they took off {$14000.00} in fines now I " owe '' {$1000.00}, it must be paid by XXXX XXXX OR they will put back the {$14000.00} in fines.and if I have " repeated violations '' of previous infractions will result in the full amount of the fines being reinstated. 
This is complete blackmail and extortion. i do not know what so called " violations '' they are referring too, they sent me two different bills, with different dates and different amounts, when i email questions, they never answer. i have asked 6 times for information and documents. if " they '' deem a repeated violation they will charge me {$14000.00} again, which i do not owe. this is completely illegal. 
they have violated 8 prohibited practices for collection agencies XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified via Experian that a collection was placed on my credit report. The collection agency is XXXX XXXX XXXX, XXXX the original creditor is : XXXX XXXX. I have never had a XXXX XXXX account, and this is not my debt. I called XXXX XXXX and was told they tried to contact me at : XXXX XXXX XXXX XXXX, I have never lived at this address. The collection is in the amount of {$290.00}. This debt does not belong to me ; I would like it removed from my credit report and my score updated. XXXX XXXX also stated the debt was from XX/XX/2020. I have been using XXXX XXXX, and XXXX XXXX for the last 5-6 years. 

This collections debt has severely damaged my credit report at a time I was looking into refinancing my home.

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 2021-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Ditech XXXX Shellpoint XXXX To Whom It May Concern : Your assistance in resolving the following matter is needed, Our mortgage was serviced by Ditech until XXXX of XXXX. All payments were properly recorded and the account status was current. 

Ditech went into bankruptcy and was bought by New Rez ( dba ) Shellpoint. This is where the nightmare began. Neither Ditech nor Shellpoint sent any notification that the loan had been sold. I found the information by going to the Ditech website to make a payment XX/XX/XXXX. I then searched for the information on how to pay Shellpoint. 
Our account has been protected by bankruptcy which we filed in XXXX. All post petition payments were made directly to the Ditech website. However Shellpoint said they would not allow payments to be made directly on their site due to bankruptcy. I therefore made the first payment by debit, on the phone with Shellpoint on XX/XX/XXXX. All subsequent payments have been made via bill pay from my XXXX XXXX checking account. We completed our final bankruptcy payment on XX/XX/XXXX and the court sent out a document of final cure for which New Rez 's legal representation responded that the account was current with no arrearage. Immediately after final payment ( XXXX ) Shellpoint began calling claiming our account was two payments past due. This is incorrect and we have documents to support. I attempted to communicate with Shellpoint on multiple occasions but they refused to either acknowledge receipt of documents sent to them or correct the matter. 

I reported this activity to our Bankruptcy attorney who notified the court. 

While the matter has been corrected by Shellpoint as the court directed, this poor accounting and perhaps egregious attempt to create foreclosure circumstances has created great stress and anguish for us. We were repeated harassed by collection calls and erroneously reported as late to credit bureaus. Additionally, I suspect there have been errors in applying escrow payments as Ditech showed a positive balance and Shellpoint shows a negative. I therefore am seeking your assistance in getting this matter corrected and that all information is provided in written format. That all credit agencies are notified, and any fees, or charges related to this matter are refunded along with any penalties or fines applicable are assessed. 

Urgency in resolving this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Calls Calaiming I owe XXXX XXXX Which i do not When I ask for Proof of debit they tell me my Credit Report is Proof enough

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: MN

Complaint narrative:
US BANK responding to what they indicate about the delays, I was under the deferment and the extra charges created the whole problem, never claim that this is not my account but that the reports are incorrect because there can be no delay and less charge off if I I am an essential worker and that is why I asked for it

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 2021-03-08 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
-Hello I keep disputing with XXXX XXXX , XXXX XXXX , and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-XXXX XXXX XXXX -SW XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2021-03-08 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: CA

Complaint narrative:
I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.

Company response to consumer: Closed with explanation