vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sezzle Inc.
State: MD

Complaint narrative:
Sezzle offers a Mastercard virtual credit card service issued by XXXX XXXX for purchase on various merchant websites. On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX from XXXX in the amount of {$310.00}. This merchandise was shipped by the merchant on XX/XX/XXXX via XXXX tracking # XXXX. The last activity for this package was on XX/XX/XXXX and has no activity since that date. A lost package case was opened with XXXX and multiple attempts to contact XXXX remain unanswered. Sezzle offers a dispute resolution service that I have attempted to utilize through their dashboard. I submitted an initial request on XX/XX/XXXX that remained unanswered and a subsequent request on XX/XX/XXXX which was answered on XX/XX/XXXX. Despite requesting that the transaction be disputed due to non-receipt, Sezzle informed me the issue was between the merchant and/or shipping service. This is contrary to the " dispute resolution '' processes stated on their site and they refuse to take action with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
The FNB OMAHA during covid stopped sending mail to my location and never notified me. I missed payments due to covid related instances. They hit me with late payments on my credit. I have paid up to date and requested if they would take the negative marks off my credit since covid has impacted me. They refused.

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 2021-01-12 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
I have disputed the account balance with the credit bureaus. Exeter refuses to update the correct balance. My Exeter account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX ) for which I pay on every two weeks and payments are submitted to Exeter. My current balance is {$6500.00}. Exeter continues to report the credit bureaus that my current balance is {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL NUMBER AND PHOTO ID TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a XXXX of XXXX XXXX. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was laid off due to Covid-19 and was not able to make mortgage payments during my time of unemployment so i entered a forbearance plan with my mortgage servicer, Shellpoint Mortgage Service ( NewRez LLC NMLS ID # XXXX XXXX. 

After re-gaining employment through a contract job, I informed Shellpoint that I will be able to start making payments but would not be able to pay the full amount all at once.

I was told by the Shellpoint agent assigned to my case that they would offer a 3 month loan deferral to the end of the loan and a payment plan for the remaining 6 months of the total forbearance.

I accepted this offer but when trying to make a payment, their online portal would not allow me to as it said it was locked. A few weeks after having this conversation and waiting for documentation from Shellpoint, they starting adding late fees to my scheduled Mortgage payments while I was still locked out of making a payment.

Now the Shellpoint agent assigned to me has not returned any of my calls for over a month and will not call back after scheduling appointments either. When speaking to other Shellpoint representatives, they refuse to acknowledge the payment plan + loan deferral I agreed to with the original Shellpoint agent and they all request that the full outstanding loan to be paid at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: SD

Complaint narrative:
Paysafe Payment Processing is connected to XXXX XXXX and will be referred to as from this point on. XXXX XXXX/Paysafe 's processing entity risk department closed our account without warning. Of the two days worth of processed payment transactions ( Batch receipts for XXXX = {$700.00} & XXXX = {$170.00} ) totaling {$870.00}, we received only {$120.00} into our bank account. I called XXXX XXXX and their processing entity ( Paysafe ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the other {$740.00} was just returned to our customers. That means that services we provided were not paid for because XXXX XXXX/Paysafe gave the money that was paid to us through credit cards ( {$740.00} ) was given back to these customers. There is no way for us to recover that money. We view this as theft on the part of XXXX  XXXX/Paysafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX from VENMO at XXXX stating that an attempt to sign into my account from a new device or browser. 
XX/XX/2021 XXXX XXXX EMAIL from VENMO that a new debit card ending in XXXX has been added to my venmo account. ( Come to find out thru further investigation that this was linked to XXXX XXXX  and the name XXXX XXXX XX/XX/2021 XXXX XXXX email from venmo stating that an instant transfer of {$550.00} FEE of {$5.00} WHAT YOU'LL GET {$540.00} CARD-XXXX  XXXX DEBIT ... XXXX Transaction ID XXXX XX/XX/2021 XXXX. email notice from venmo Transfer from my VENMO account attached to my bank debit to XXXX XXXX in the amount of {$1000.00} XX/XX/2021 XXXX XXXX Email notice from Venmo transfer from my venmo account attached to my bank account For {$250.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of 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 2021-01-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ascendium Education Group
State: GA

Complaint narrative:
Although I am not under contract with, have never provided a wet signature agreeing to owing XXXX XXXX XXXX for any loan, and am not on video or audio confessing student loan debt with XXXX XXXX XXXX ; they continue to report defaulted private student loans to all 3 credit bureaus. Although I graduated from college in XXXX, since XXXX XXXX has been reporting me to all 3 credit bureaus regarding XXXX loans that I never took out with them. I have sent XXXX and all 3 credit bureaus letters disagreeing with their assertion. Nothing has changed. This nuisance has drastically impacted my ability to obtain credit and financial related opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Inaccurate and Improper Reporting on CRA 's which is defaming my character and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I just happen to look on my credit report and seen two inaccurate report on my credit 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 2021-01-12 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: Paramount Recovery Systems, L.P.
State: IL

Complaint narrative:
I have notified in writing and over the phone with both the creditor XXXX XXXX  and XXXX XXXX  personal on multiple occasions. I have informed them that this was for services performed for a XXXX XXXX  that I was not liable or responsible for and they filed an insurance claim against old expired insurance in which I was not required to provide for the child at the date of service! I was not present nor did i agree the use of that information or have I ever accepted this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion removed the credit history of a paid off vehicle that I asked to be corrected not removed.

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 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
AMERICOLLECT INC Has illegally placed 3 collections for a total of XXXX dollars on my XX/XX/XXXX consumer report, they have violated my FDCPA rights by not contacting me before reporting this fraudulent debt, they have also failed to validate this debt as it was an result of Identity Theft, and they have illegally shared my information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XX/XX/XXXX : SYNCB/SCORE REWARDS DC reported a New Bank/Credit Card to my XXXX Credit File. 

XX/XX/XXXX : XXXX  got a copy of my XXXX Credit Report. XXXX made a Retail Inquiry by checking XXXX Credit File. A " hard inquiry '' may be placed on Credit File and it stays on the report for 25 months. 

XX/XX/XXXX : Disputed unauthorized activity from SYNCB/SCORE REWARDS DC. 

XX/XX/XXXX : Placed a fraud alert on all 3 credit bureaus. 

XX/XX/XXXX : Froze XXXX credit account preventing any new accounts. 

XX/XX/XXXX : SYNCB/SCOREREWARDSDC reported a New Account to my XXXX credit file. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC has reported to XXXX that a card has been lost, stolen, or replaced. 

XX/XX/XXXX : SYNCBCARE CREDIT made an Inquiry by checking my XXXX Credit Report. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC Highest balance {$2200.00}

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 2021-01-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XXXX, I have been disputing Synchrony bank over the validity of a Walmart account on my credit report. The account, along with several others, from Synchrony bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The Walmart card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for Walmart through Synchrony bank. After disputing and sending police report, one of the accounts was removed. The other Walmart account was not and I had to do a settlement Synchrony in order to obtain my home loan. I was informed that the trade line would be removed just like the first Walmart account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both Synchrony and XXXX XXXX XXXX as they acquired some Walmart accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for Walmart for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from Synchrony and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second Walmart account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.

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 2021-01-12 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have disputed the account balance with the credit bureaus. XXXX refuses to update the correct balance. My XXXX account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX XXXX for which I pay on every two weeks and payments are submitted to XXXX. My current balance is {$6500.00}. XXXX continues to report the credit bureaus that my current balance is {$9500.00}.

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 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used the payment processor Squareup.com to process payments for my ecommerce businesses in XX/XX/XXXX. I only processed transactions through square on XX/XX/XXXX through XXXX. 

On XX/XX/XXXX, I received an email from Squareup informing me that my deposits had been suspended because they needed more information from me, including bank statements, invoices and my web site address to fully verify my account. I was told I could do so in my squareup dashboard. 

Before I even had a chance to respond to this inquiry, I received another email on XX/XX/XXXX that my account was being terminated completely due to a pattern of high risk transactions. The email said I would receive the money from my active transactions in the normal pay out time frame, which is one to two business days, At this time there was over {$35000.00} in my account. 

After several days of not receiving the funds, I submitted the documents they originally requested. I received an email that I would hear back in two business days. After not hearing from for a week, I made contact with them several times. When I called, I simply received a recording that my active was deactivated and I would get my funds on the date outline in the email. But there was no email with any date, other then the first email which I said I would get my pay out immediately. 

In order to bypass the recording, I created a new account to call customer service. The agent was confused about the status of my account and attempted several time to reach the appropriate team. He told me to send another email and they would response by the end of the day, even though I had not hear back for weeks, I am attaching two emails I sent to their customer service, on XX/XX/XXXX and XX/XX/XXXX asking about my funds. This is in addition to numerous emails I sent through their web contact form which I don't have a record of. Finally, today, on XX/XX/XXXX, I received an email from their account services team telling me that they can not reactivate my account. But I wasn't asking for my account to be re-activated I just want the funds that are in it. I replied and told them this, I still have no idea when they plan to release my money. They are currently holding {$23000.00} in active funds and {$10000.00} which are in disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
In XXXX I disputed $ XXXX in a stolen debt card - it took days to finally get in touch to report the missing money for they kept hanging up on me- about 10days after finally reaching someone and filing the dispute I was credited the XXXX well I thought all was good but the way I felt they treated me I switched my ssi deposit to XXXX  -- well last week my stimilus check for XXXX $ was sent to direct express- well they garnished XXXX XXXX of the XXXX -- after finally getting in touch with them again - being hung up on several times first - they said after investigating my dispute they overturned the decision and took the XXXX out of my stimilus- I contacted comerica bank and explained to them what direct express did there reply was they DIDNT investigate after all- I contacted the store atm owner to see if they were contacted for investigating the stolen card use and they said no- direct express owes me XXXX $ - the president of comerica bank and all other creditors said for no reason will the second stimilus be garnished for any reason- but direct express not only took XXXX $ of my ungarnishable XXXX stimilus check they did not reach out at all to investigate my stolen card transactions- I need my money- my name is XXXX XXXX

Company response to consumer: Closed with monetary relief