vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
ISPC, Independent Savings Plan Co has violated numerous federally protected consumer rights under the FDCPA 15 USC 1692 in an attempt to collect an alleged debt of {$7400.00}. 15 USC 1692b ( 2 ). Pursuant to 15 USC 1692c ( C ). On XX/XX/XXXX a certified letter was delivered to ISPC, it notified ISPC in writing with a notarized sworn affidavit of truth stating facts and citing each violation line by line. I sent a cease and desist demanding that they cease all forms of communication with me through any and all mediums and that I refuse to pay this alleged debt. ISPC Compliance Manager has used obscene and language and has threatened me the consumer through harmful and unfair practice. ISPC has been reporting to consumer credit reporting agencies without my written consent and I never was provided a disclosure on if I wanted that to take place. 
I never gave ISPC permission or authorized ISPC to send me a bill. I am a natural person. Pursuant to 15 USC 1602g I am the original creditor and I extend credit to any financial institution.Please see the attached.

In response to ISPC I sent another response which was delivered on XX/XX/2020 as ISPC is continuously violating me under the FDCPA and Truth in Lending. Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Self Financial Inc.
State: FL

Complaint narrative:
Self Lender/Financial is reporting a late payment on my account. The payment was not made after the 30th day. The payment was for my XX/XX/2018. I spoke with them however, they refused to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: IL

Complaint narrative:
Dear XXXX, XXXX, Transunion Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard 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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, National Credit Systems on behalf of XXXX XXXX XXXX XXXX XXXX added a collections debt of {$920.00} to my credit. I disputed this amount twice. My most recent dispute was on XX/XX/XXXX with uploaded documents that state that the debt was paid and they have reported the wrong information. This company keeps on ignoring my uploaded documents and continue to say I owe them this debt, and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: K STREET FINANCE, INC.
State: CA

Complaint narrative:
I had an Auto loan with Mullen finance co. car got repossessed around XXXX/2014. which i completely understand should be reported accurately, however just recently I reviewed my credit report and now theres 2 accounts being reported under Mullen which is inaccurate. should only be 1 acct. I disputed this several times with credit reporting agencies but have had not luck. Please help correct this. thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I received my unemployment deposit with back pay for XXXX $ to my chime account. Once it was received I was able to withdraw XXXX $ and after that I tried to pay a bill and it was declined, called chime and was told my account was suspended for suspicious activity, basically the unemployment deposit was suspicious because of the amount even though I had received at least 8 deposits in the past from same place and never has a issue. I called them and they asked me to verify my identity and to verify I was entitled to unemployment benefits, I sent them everything they asked for, after a few days they sent me a email telling me my account has been closed And I'm not eligible for a refund, due to violating there user agreement policy. Now I can't get ahold of no one and they tell me it's email only for that department, I've sent emails a bunch of times and they don't respond, if you XXXX reviews about Chime bank there is 100s of people that they have done this to, it can't be a coincidence that people with exact situation gets there money stolen from them, please help me and help anyone else so this doesn't happen to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-11 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: IA

Complaint narrative:
XX/XX/2020 I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX disputing two alleged accounts they say I owe. I do not agree I owe. Amounts of {$930.00} & {$1100.00}. Giving 10 business days to XXXX to receive my letter would give XXXX 30 days or approximately XX/XX/XXXX to reply with verification or validation of debt. I have received no response from XXXX validating debt it has been 80 days but they continue to falsely report to credit bureaus & Experian refuses to remove a debt XXXX did not validate to alleged account holder within 30 days. So theres a very easy solution. Experian simply ask XXXX to provide proof of a debt validation letter they sent me within 30 days after I disputed these debts. My dispute letter to XXXX on XX/XX/2020 clearly displayed my name, the two accounts in disagreement, and my full return address, yet XXXX  provided me with nothing to prove the alleged debt.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was receiving my Texas unemployment benefits on the reliacard and I had fraudulent charges made on XXXX and they placed a fraud block on my account. Since that date I have moved my unemployment to a different bank and have had no problems. The reliacard services still hasn't removed the block and I have followed their guidelines to verify my identity just the way they requested and not to mention done this more than 5 times. How is it you van send me text about my account you can mail me paperwork on my account and yet when I call to speak with a customer service person and verify the exact info on my account i get told that I need to send it verification yet again. On XXXX i received a text about deposits made to my account and that I could reset my pin thru the automated system but yet never got transferred to do so and in less that 5 minutes later I call back and they tell me that my account t was never unlocked!!! How can you get a deposit on an inactive account? Thats what your bank keeps telling me is my account is inactive so can you explain why this is going on and who's lying your workers the bank or is it 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 2020-12-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Bought A Visa Gift Card for {$500.00} on XX/XX/XXXX and another for {$500.00} pm XX/XX/XXXX. I use them as budgeting tools. Registered them to myself and set a pin. Tried using it in retail stores or online and was unable to through neither credit nor debit. Contacted the Company on XX/XX/XXXX. Their call center is in some 3rd world country. I requested replacement gift cards. I was told they would arrive within 7-10 days. It has been over 2 weeks and I have not received the cards nor a tracking number indicating when my cards will get here. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX Had request debt verification from LVNV FUNDING LLC in regards a Debt showing in my credit report Original creditor : XXXX XXXX XXXX XXXX {$420.00} I did not received enough information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
While I was in the process of buying an XXXX XXXX ticket on XX/XX/2020, I was offered a Citi XXXX with a {$250.00} statement credit and 40,000 bonus miles for spending {$2000.00} in 3 months. So I applied, was instantly approved, and the ticket was charged to my new Citi card in the amount of {$310.00}. 


But now ( XX/XX/2020 ) I'm told that the promotional offer is not valid because I had another Citi AA card almost 2 years ago. If that's the rule, I have no problem with that. 


What I have a problem with is Citi making the offer and accepting my application under false pretenses. 


There was no overt or obvious warning during the application process about the 2 year exception to the offer. Furthermore, this could easily be prevented! The application process could simply be connected to their customer records to alert certain applicants that theyre not eligible. 


This is operating in bad faith, and the reason Citi and other banks/lenders have such a well deserved bad reputation. It's predatory lending.

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 2020-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I applied for a title loan with XXXX XXXX on line. the only way they would approve my loan was a title loan. I discussed the contract over the phone with a XXXX XXXX agent. we discussed interest rates from 6-35 % at the highest. desperate for a loan to pay my house taxes, I agreed to the terms of contract without seeing the contract, since 35 % interest rate was the highest we had discussed. I had not seen any contract at the time I agreed. After 1 year of payments I relentlessly asked for a copy of the loan contract because my balance never became lower. I contacted a lawyer to help me since I couldn't even obtain a copy of contract. he needed a copy of contract and payment history. by now it had been one year and ten months. To my surprise I finally received a copy and my interest rate was 149 %! I am a XXXX year old XXXX  veteran, and am on a fixed income. I'm hoping the cfpb can help me enforce " the military lending act ''. This has to be a crime, how can this be legal in the United States of America for which I served proudly in XXXX. The loan date started on XX/XX/XXXX, the original loan amount was {$2800.00}. As of today XX/XX/XXXX my principal balance is {$2600.00} and my interest balance is {$920.00} .My balance is a total of {$3500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a new checking account on XX/XX/2020. According to the offer code XXXX I was meant to receive a {$100.00} bonus if I receive two qualifying direct deposits within 90 days of opening the account. On XX/XX/2020 and XX/XX/2020 I received XXXX direct deposits, and up-to-date I still didn't receive the {$100.00} bonus. On XX/XX/2020 and on XX/XX/2020 I inquired why I didn't receive it, but I am still waiting. 
In the attached letter they refer to the 'Personal Schedule of Fees ' for further exlanation of eligible regular monthly income. I am also attaching a copy of the schedule which explains on page 17, that any payer that uses your account number to deposit regular monthly income is a qualifying direct deposit.

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 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I CALLED WAKEFIELD AND ASSOCIATES AND TOLD THEM THAT MY MEDICAL INSURANCE PAID ALL OF MY BILLS THEY SAID THAT I STILL HAD TO PAY THIER FEES AND I TOLD THEM I CALLED THE HOSPITAL AND ASKED THEM ABOUT THIS BILL THEY TOLD ME THAT IDONT OWE ANYTHING EVERYTHING WAS PAID IN FULL EVEN THE DOCTORS FEE I HAVE XXXX AND XXXX I AM ON XX/XX/XXXXI HAVE HEALTH INSURANCE THEY HAVE CALLED AND TALKED SO HATEFUL TO ME VERY RUDE PEOPLE I DONOT OWE ANYTHING EVERYTHING WAS PAIDED IN FULL ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I tried calling this Shellpoint ( NewRez ) to delay my payment and put myself in a forbearance program and connecting with the department was extremely difficult and wasn't successful in connecting with a agent.

Therefore, so between being furloughed for over 3 month and then getting XXXX  with XXXX  XXXX. I must have overlooked the payment and without being successful with connecting with an agent. After all I was also XXXX XXXX with XXXX  and wasn't in the correct state of mind will the illness. 

I called Shellpoint to explain the situation and they had no intention in helping me but I believe I was speaking with someone without the authority to help me. I was thinking surely they can see that this is a special circumstance and would be willing help. I believe in compassion and that we live in a world where empathy is something that big companies can still exercise given the correct circumstance. I do appreciate NewRez before this point they have been great to work with and extended there business to me and I will be forever grateful for this. 

I am trying to rebuild my credit in preparation for business oppurtunities. I have been able to show that I am capable of responsible credit management as reflected in my credit records. I am requesting that you give me a second chance at a positive credit rating by revising my trade line with the Credit Reporting Agencies. I sincerely hope that there is redemption at NewRez, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Very Hopefully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2020 Portfolio Recovery Associates, LLC were sent a validation letter for the alleged amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
As of XX/XX/20, I paid the Medical bill owed to Transworld systems Inc. a total of XXXX dollars. I was in hardship and could not pay for a while A few months to be exact. I paid it in Full and requested it taken off of my Credit report. It's hurting my business and personal credit it's making it hard for me to acquire credit for my business and my personal life. Just asking them to remove this derogatory remark so I can move on with my XXXX, Thank you XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After reading the warning updates that I get from the FTC I decided to check into my credit report because it is now free weekly. I went through all the steps to get my credit reports from all three major credit reporting companies and to my surprise there was some excuse as to why I could not get them some of it said technical other one said that I had to get it by mail that I couldn't get it online but in any case all three companies basically did not come through at a credit report that sounds a little suspicious to me. So I just wanted to let someone know I will try to follow up with phone calls but this is already more of a hassle that I am supposed to have to deal with being that I'm supposed to just be able to click and get my credit reports free but that's not happening. Thank you Your system would not allow me to enter the last 4 of my SSN. I have no idea why. So you might want to look into that. 
The last for are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Conn's, Inc.
State: TX

Complaint narrative:
On XXXX, there is a unauthorized inquiry from Conn 's on my XXXX  credit report.

Company response to consumer: Closed with explanation