vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I keep getting calls and mail from portfolio recovery for a previous resident that doesn't reside at my address anymore. I've asked them to stop calling my phone they then turned around and called my other phone number yesterday. Today that persons mail from them was in my mailbox. During the first call i was asked if i was the wife of this person? Portfolio recovery is steady harassing me and my residence. I wish they'd stop sending mail here and calling my phone. I don't have no accts with them all of cc 's are current and not in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I DISPUTED SEVERAL TIMES WITH COMPANY AND CREDIT BUREAU THIS ADDRESS I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX MO ALSO A ACCOUNT THAT'S NOT MINE TRANSWORLD SYS INCXXXX {$310.00}. 

INSTEAD THE COMPANY IS PRESSURING ME TO PAY SOMETHING THAT I ILLEGALLY OBTAIN USING MY CREDIT I A INDENITY THEFT AFFIDAVIT AND OTHER SUPPORTING DOCS PLEASE REMOVE THESE ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
A few years ago I became aware none of the XXXX major credit reporting companies show my XXXX XXXX XXXX/Phillips 66 XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this XXXX credit card account since the XXXX 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that Synchrony Bank is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them 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 non-monetary relief
Consumer complaint received 2021-11-06 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: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
This loan has been paid and removed from the loan company that is on attachments with other documents. It has been paid as of XX/XX/2012. After some years I started receiving letters again from another new collection agency. Please review and have this company not send any documents of unpaid loan. Your response on this issue and complaint will be greatly appreciated. Name of the company that is sending me this notices is GC Services Limited Partnership, XXXX, Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CA

Complaint narrative:
I have reached out to XXXX, Experian, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.

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 2021-11-06 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
During the process im buying a plane ticket on XXXX, I was presenting an offer to apply for a XXXX American Express business and receive {$200.00} credit towards my fare. I applied and my application was approve and then I was to be presented with the new credit card number in order to purchase my ticket. The link that was supposed to show me the credit card number did not work so I called American Express to try to get the number to complete my transaction. I was told they were unable to give me the number but that I could charge it to a different American Express business credit card and they could transfer it to the correct card once I had the number when the physical card was delivered to me. That card arrived today but when I called to initiate the transfer as Id been directed, I was told Amex never does this and they would not help me. I am now out {$200.00} and feel that I was tricked into getting a credit card that did not deliver on the promotion. I have since canceled the card and would like remedy for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: AZ

Complaint narrative:
I have disputed the balance several times and have included documentation showing a payment was made and cleared my checking acct for the exact amount the creditor is showing as balance owed.

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 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Paramount Recovery Systems claims I owe XXXX XXXX {$120.00} for a medical visit to the emergency room that never happened. 
During the date it claims that I went to the emergency room in fact I was not there. 
The most important aspect is that neither XXXX nor Paramount Recovery systems contacted me about the specific debt claim either through phone, email, or mail. 
Instead Paramount Recovery systems targeted me by reporting to the credit rating agencies this non-existent debt. 
This has affected my credit score. 
This is the second time that Paramount Recovery Systems has claimed this non-existent debt. 
Both times with no notification. 
This seems to be a scam mounted by Paramount Recovery Systems. 
Unfortunately it seems I am not the only victim of this scam. 
I would please request your help In deactivating this scam and that Paramount Recovery Systems be made accountable for their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: FL

Complaint narrative:
Nothing happened when I submitted the dispute, I also requested value assigned to transactions, no response, only someone will get back in 4 hours out of the numerous complaints/disputes submitted. 
All my debits are missing from account causing a low balance, credits are co-mingled with debits, no full accounting has been performed, I asked who was there cpa over the accounting, no response from chime bank, credits are misappropriated, household goods and personal use are not being correctly recorded. I gave them several notices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TN

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-11-06 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: CA

Complaint narrative:
I have reached out to TransUnion, XXXX, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.

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 2021-11-06 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: CA

Complaint narrative:
I have reached out to XXXX, XXXX, and Equifax four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have submitted on several occasions the XXXX paperwork to the loan holder Navient, for the XXXX XXXX XXXX XXXX Discharge Deferment due to being on XXXX, and that being my only source of income in the last almost 4 years, that has to support myself and XXXX minor children. 

Navient told me over the phone numerous times, even emailed me what to send them, and I promptly sent them several times everything that they asked for along with the XXXX paperwork. However they are the only company which refuses to relinquish my loan, or explain why, when all other student loans have been removed due to the XXXX paperwork. 

They call me to the point of harassment, and well past business hours to the point I am getting calls after XXXX at night, and even over 20 plus calls a day ever during the time that the President had placed a hold on all student payments. This is becoming more than harassment at this point with them. 

I am hoping that you are able to help point me in a more successful direction, resulting in at the very least gaining the knowledge as to why they refuse to honor the XXXX paperwork that they told me to send them. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent Experian, XXXX and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from Experian. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.

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 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well

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 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Im from XXXX and i created an account in Coinbase to buy cryptos, i had to verified my identity, they asked me a national ID, after that, they sent an email that says you are verified. When you are verified, you can buy and sell cryptos, so i buy some cryptos but now i cant sells it and i cant receive my money. I tried to contact with costumer services but they cant solve the problem. They are dont telling me why i cant sell. The costumer services are so awful, I red some reviews on internet and there are a lot of people with the same problem. It looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Penn Credit Corporation
State: OR

Complaint narrative:
Sir or Madam, Today from my XXXX account PENN CREDIT CORPORATIO has flagged your account as Collections on XX/XX/2021 I assume they have also contacted the other 2 credit bureaus, which adversely affect my credit. This action is over a debt which is 3.5 + years old which I have I NEVER received a bill for, not one. I have tried to work with the collection company to Identify if this is my bill. I have assured them that I will pay the bill expeditiously ; if we identify it as my debt. They respond with form letters and emails that say not to respond. They did commit to ask for a copy of the original bill and any subsequent payments received below : From : XXXX, XXXX EMAIL Dated : Tue, XX/XX/2021 at XXXX AM Subject : RE : ID # XXXX To : ME The dispute was sent as of XX/XX/2021. Please allow approximately 30 days for response. If you havent received the response within the 30-day period, please contact Penn Credit Corporation XXXX XXXX or email us directly at XXXX. 
Its now been over 60 days and they have flagged your account as collections with the credit bureaus ( s ), Yet they have not provided me the proof it was my bill [ promised above ] and now they are actively pursuing collection of a dispute charge. 
I have attached my XX/XX/2021 which restates my willingness to pay and what I need to do that along with screen shot from my XXXX account page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CA

Complaint narrative:
I am a victim of identity theft. I called Experian to request a block of the fraudulent information on my credit report. The woman on the phone said everything looked great. However, a day or two later, I received an email from Experian telling me they wont block the information because my reports dont meet the criteria. I call back and am told to create an updated FTC identity theft report so I go ahead and do that right away and submit it. The next day, a new email from Experian saying the same thing. Both emails made no sense -it felt like they were just making up random excuses that didnt even apply to me just so they dont have to block the info. As of now, Experian still has not blocked the fraudulent accounts on my reports.

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 2021-11-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
THE XXXX XXXX CREDIT CARD WAS REMOVED FROM MY ACCOUNT AS A CHARGE OFF, DUE TO IDENTITY THEFT. I WAS PLACE BACK ON MY CREDIT REPORT. I HAVE DISPUTED THIS IS NOT MY ACCOUNT AND THIS IS IDENTITY THEFT. THE COMPANY HAS SINCE REMOVED TWO OTHER CREDIT CARDS AS THEFT, BUT THE FIRST CARD TO BE OPENED THEY STATE IT MINE, WHICH IS ABSURD. I HAVE INCLUDED MY FTC REPORT, POLICE REPORT, MY STATEMENT AND A LETTER FROM XXXX XXXX WHICH STATES THAT THIS ACCOUNT WAS OPENED ON THE INTERNET. ANYONE COULD HAVE OPENED AN ACCOUNT IN MY NAME, WHICH IS EXCATLEY WHAT THEY DID. XXXX XXXX HAS NO SIGNATURE OR INFORMATION THAT WAS GIVEN TO THEM OTHER THAN AN INTERNET APPLICATION. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation