vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
My wife XXXX has been getting a refund XXXX XXXX amount loaded for the amount {$60.00}. XXXX Account number ending in # XXXX ( closed ). 

We started getting the cards sometime toward the end of XXXX after we sold our home to which I believe our XXXX Account has been tied to. We thought it was a general refund and that would be all, however they have still been mailed out over the past two years. 

This account is no longer active anymore however your XXXX company continues to debit our bank account in the amount of {$60.00} and then turn around and refund us the amount which seems to be caught up in a Loop cycle, revolving door, etc.!! 

We want this to stop immediately as we have called your company and attempted to have this reconciled however it has not as we just got another card in the mail today which tells me you have taken out this amount again in our checking account. 

Please help us remedy this crazy process as we do not have the account active with the number identified in the Subject heading of this e-mail. 

The current address we live in and the cards are now being mailed to our current address because we called and spoke with a representative who said the problem would be resolved as of XX/XX/XXXX, however todays card proves it still is a problem that needs to end. They charge our bank account at the end of the month for the amount mentioned and turn around and send us a credit in a XXXX. 

PLEASE HELP US RESOLVE THIS. 

If this cant be resolved we will be forced to close our bank account and Re-open another one, cutting this cycle off as Fraudulent activity. 
This is an e-mail I am sending " XXXX '' Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am filing a complaint against TransUnion for failing to address inaccurate information on my credit report and violating my rights under the Fair Credit Reporting Act ( FCRA ). Recently, I received correspondence from TransUnion accusing me of using a third party to send disputes on my behalf, which is false. This is clearly a stall tactic to avoid correcting or removing the inaccurate information on my credit report. 

TransUnion has failed to perform its due diligence in investigating my disputes. Under Cushman v. TransUnion, the company is required to independently verify the validity of the information reported, rather than relying solely on creditors claims. 

I demand the immediate removal of the disputed items from my credit report. Attached is a true bill outlining the violations TransUnion has committed, along with an invoice for damages. Payment for these violations is to be remitted to the address listed on the invoice.

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 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
Received first letter dated XX/XX/XXXX from a Wakefield and Associates, LLC, attempting to collect a debt of {$1500.00}. The letter does not specify to whom the debt is owed. 

My first call to them was on XX/XX/XXXX to gather information about the alleged debt, the man told me that it was for a hospital bill dated XX/XX/XXXX. He also told me the hospital name but I didn't hear it the first time. He then refused to repeat it or answer any further questions, instead insisting that I pay the bill. I called a second time mentioning that I had been in XXXX during the date they were claiming, and they told me to mail in an appeal if I do not intend to pay. 

I mailed a letter on XX/XX/XXXX claiming that I had been living in XXXX and I have at least 8 pieces of evidence that I can provide to prove it. The letter had a tracking number and was confirmed delivered to W & A on XX/XX/XXXX. 

I called a third time on XX/XX/XXXX in another attempt to get the name of the hospital and the nature of the bill. It was for a XXXX XXXX XXXX in XXXX, Indiana, for an ER visit, same date mentioned, XX/XX/XXXX. 

I called XXXX XXXX shortly after on XX/XX/XXXX and they had no record of me being a patient at the hospital, real or fake. 

On XX/XX/XXXX, I sent a copy of my XXXX Student Visa with sensitive info excluded, except for " Issued at : XXXX '' and " Issue Date : XXXX XX/XX/XXXX '', which was only 13 days before the charge. This letter was also tracked and confirmed received. 


Now, 6 months later, I received a letter from W & A, dated XX/XX/XXXX. They made no mention of my previous communication, just another letter asking me to pay the bill. 

This letter did provide some additional info about the charge. Notably, the patient DOB was incorrectly listed as XX/XX/XXXX. Description was : Emergency evaluation & management Disposition referred/ returne Arrived by Ambulance ; Unspecif {$1400.00} Total collection amount on the new letter is the same as the old {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime offered a limited time promotion for new account referrals that sign up before XX/XX/year>. The referral bonus was increased from {$100.00} per referral to {$500.00} per referral. The referred account was to receive {$100.00} as the standard bonus but the existing Chime account holder would receive {$500.00}. There is a {$1000.00} annual limit on referral bonuses. Chime only granted one referral bonus at {$500.00} but only provided the standard {$100.00} bonus for the second referral. Chime stated it was a limit of one referral for this particular promotion. The terms and conditions do not state this. I called Chime prior to initiating the two referral links to confirm two bonuses could be obtained. The agent confirmed this was correct when I called on XX/XX/year>. When the direct deposit terms were met for the second referral, only {$100.00} was deposited in each account. I called Chime again on XX/XX/year> and they then stated the {$500.00} bonus was only allowed for one referral and they could not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Unifin Inc.
State: CA

Complaint narrative:
XXXX added an account to my credit report that did not belong to me. When I filed the dispute, they gave the collection agency my phone number and address and now I am receiving calls from the collection agency. I verified with the collection agency that the accounts did not belong to me and that they were provided my information by XXXX. I filed a dispute for XXXX accounts for the same creditor. XXXX removed XXXX account from my credit report but failed to remove XXXX additional accounts belonging to the same person and from the same creditor. I did an online chat and spoke to an agent on the phone and both told me that the only thing I can do is file another dispute and wait XXXX more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX added an account to my credit report that did not belong to me. When I filed the dispute, they gave the collection agency my phone number and address and now I am receiving calls from the collection agency. I verified with the collection agency that the accounts did not belong to me and that they were provided my information by XXXX. I filed a dispute for XXXX accounts for the same creditor. XXXX removed XXXX account from my credit report but failed to remove XXXX additional accounts belonging to the same person and from the same creditor. I did an online chat and spoke to an agent on the phone and both told me that the only thing I can do is file another dispute and wait XXXX more days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I am writing this complaint today because I have had this car financed through exeter for almost XXXX  years now and my principal has not gone down. My loan orginal amount was {$XXXX} over the XXXX years I have paid a total of {$XXXX}. Granted I was late and stuff and ran into a few life problems I still feel money should of been applied to the balance. Right now they are saying I still owe {$XXXX} dollars in interest right now which making ontime monthly payments of {$XXXX} I will have the interest paid off in 1 year because {$XXXX} of interest is added each month, and then my principal with start going down. I have attached all the payments I have made since I got the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have contacted Shellpoint on numerous occasions to enter into a forbearance plan for the outstanding amount to bring the loan current with some type of trial payment. They have refused to respond, provided zero assistance, and blocked me from using their website for mortgage modification. I have tried on numerous browsers/different networks to submit for loan assistance and continue being blocked out of the system when hitting submit.

Currently have me listed as owing {$XXXX}, accelerating the loan to {$XXXX}. The mortgage less than XXXX  years ago was under {$XXXX}. 

They are effectively blocking me from seeking assistance they are legally obligated to provide to consumers. 


Loan Information : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have a XXXX XXXX XXXX XXXX. It had an offer wherein I could make purchases worth {$XXXX} and get a {$XXXX} statement credit. The offer expired on XXXX XX/XX/year>. I made a purchase on the XXXX website for {$XXXX} well above the {$XXXX} required on XX/XX/year>. I received an email from XXXX  on the same day that I have used the offer and I will be receiving the credit if I didn't cancel the order. On XX/XX/XXXX, I saw that only {$XXXX} were posted to my credit card account, short of the {$XXXX} required by {$XXXX}. So I contacted the XXXX  customer service and they opened a case for me. The agent assured that I will get a resolution but it might take a few weeks. I told him that's fine. I also said it seems like since the order has not shipped the charge was not posted. The agent said XXXX  will wait XXXX days to get the charge posted and I will be fine. He also said he would be contacting me about the outcome of the investigation. I agree and ended the chat. However, I placed another order on the XXXX website for {$XXXX}, just so I would exceed the {$XXXX} threshold if XXXX  wasn't able to fix the issue. I contacted them today, and I asked what the status was. The agent said they closed it because I had not made the necessary purchases before the offer expired. I said I had made it. Then they said the charges were not posted. I told them I can not post a charge, and they said it was the merchants fault and they can not do anything about it. They were extremely unhelpful and unsympathetic about the whole thing. They even blamed me for not making a single charge of over {$XXXX}. I told them I did exactly that and it's not my fault that only {$XXXX} was posted. I was penalized {$XXXX} for {$XXXX} less of the {$XXXX} required, and moreover I had spent more than that. Those charges will be posted by the merchant in a few days, even though I made the purchase before the offer expired. So in the end I will pay what I had paid before and on top of that would not receive the {$XXXX} credit that was promised. It seems like dubious practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MA

Complaint narrative:
XXXX XXXX XXXX has violated consumer rights as well federal laws by engaging according 18 U.S. Code 894- Collection of extensions of credit by extortionate means to 15 USC 16 9 2 g detailed list of the payment history in regards to that debt number two l wan na see the original signature that i agree to on the contract of the debt that belongs to the creditor No.3 has there been any insurance claim found on this debt that you claim belongs to me This is a violation of 15 U.S. Code 1681i ( 5 ) remove immediate. 15 USC 6802 15 USC 1681b 18 USC 1028A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX {$XXXX} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes again

st with the FCRA. 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$380.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I came home and in my mail was a credit card that I didn't apply for. 
When I called the company they would Not give me information on the card. 
I have an account number but they kept asking for my social security number and date of birth. 

The company is called Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I still have no idea when the account was opened or if thete is an account. They will not give me info. 

I have an account number on the card but they say they can't get my info even with an account number. 

Thanks for your time. I hope I filled this out correctly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am in the process of closing on a home and was notified that XXXX XXXX XXXX reported I was late making my auto payment for the month of XX/XX/year>. I refinanced my loan and the new auto company paid the auto loan in full on XX/XX/year>. My XXXX XXXX was impacted causing me to no longer qualify for the loan and I have called XXXX on XX/XX/year>, XX/XX/year> and XX/XX/year> and have spoken to numerous departments and they refuse to send me a document advising the XXXX payment was reported in error so I can provide it to the mortgage underwriters to honor my credit score while waiting on the corrections to be applied to my credit report since they advised it can take up to 60 days for the corrections to be applied. Ive expressed this is a time sensitive issue and the seller is backing out if I am not ready to close and begged for the letter since they have faxed me other documents that dont show the info I need and they keep advising its nothing more they can do.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am in the process of closing on a home and was notified that XXXX XXXX XXXX reported I was late making my auto payment for the month of XX/XX/2024. I refinanced my loan and the new auto company paid the auto loan in full on XX/XX/2024. My XXXX XXXX was impacted causing me to no longer qualify for the loan and I have called XXXX on XX/XX/2024, XX/XX/2024 and XX/XX/2024 and have spoken to numerous departments and they refuse to send me a document advising the XXXX payment was reported in error so I can provide it to the mortgage underwriters to honor my credit score while waiting on the corrections to be applied to my credit report since they advised it can take up to 60 days for the corrections to be applied. Ive expressed this is a time sensitive issue and the seller is backing out if I am not ready to close and begged for the letter since they have faxed me other documents that dont show the info I need and they keep advising its nothing more they can do.

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