vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Data Systems
State: SC

Complaint narrative:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. This company is showing 2 separate accounts on my consumer report I have attached documentation that I have sent to this company concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I have a car loan with Westlake Financial and Ive been struggling trying to get a copy of the tittle from them. I moved from XXXX  to XXXX  XXXX  and in the end of XXXX I started trying to have my tag transferred to new state. 
On XX/XX/2021 I had the tag office sending Westlake Financial the fax requiring the copy of the title. Till today they havent send it. 
Ive trying calling uncountable times, sent many emails and nothing happened.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC
State: TX

Complaint narrative:
I missed a call from XXXX ( XXXX ) XXXX. I returned the call stating it was a lady named XXXX  XXXX. She stated I owed a payday loan ( continued to state they are illegal ) and that if I didnt pay my name and information would be turned over to the original county. There would be a nationwide search for me and I would be facing 2 felonies -defraud a bank and something about providing false information. She said they could make a payment arrangement over next 3 months but it had to be handled or I could go to jail. She said she had a daughter my age and wanted to help. She kept saying she wasnt a debt collector she worked for a lawyers office. She kept giving me different 1800 # to call and speak to XXXX to pay off the debt. She said I would have to call friends and family to avoid being arrested. They sent me a DocuSign agreement for repayment-I was suspicious bc it didnt state anything about a loan and said it was debt collection and had lawyers address. She only had an old email address I used over 15 years ago when I was young dumb and in college. If this was a debt it would have went on my credit report so I did not return her calls after the first day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I lost my American Express PrePaid debit card. I promptly ordered a replacement later that evening. While doing so, I became aware of 2 unauthorized charges that had taken place while my card was lost : XXXX XXXX XXXX {$2700.00} and XXXX for {$100.00}. I then Filed a dispute with the organization. I received a replacement card shortly afterwards and realized that the replacement card had the same # 's as the lost card. I called customer service and was told the representative that handled the call that evening made an error by marking my card " DAMAGED '' not " LOST ''. I ordered a second replacement card. I then received notification from American Express that my dispute was declined. The statement they used was " no error was found ''. I have since then made several attempts to resolve this issue. To no avail. I'm a XXXX XXXX XXXX XXXX American Veteran and deserve better treatment than this. Will you please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MO

Complaint narrative:
I have not been convicted of any felonies and XXXX misdemeanor record has in accurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
An agent called me last week, asking me to pay this debt in that right moment. I was trying to explain her that I dont have this amount available this day. Agent was not open to negotiate and begin to threath me telling me that we will meet at court on XX/XX/XXXX, I asked her to send me the notification by email to make proper arrangements at work and with a lawyer but she skipped to. She just continue threathing me, speaking outloud and never take time yo hear me. She used an innapropiate way and language

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, Im a coinbase user. Two months ago my account was locked and now I just see a message that say " your account is in revision ''. I have about XXXX which Im not able to withdraw from the account, neither buy or sell my virtual coins. I have sent many mails but they don't give me any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
NO XXXX XXXX for this dispute and I repeat do not use XXXX XXXX. Hello my name is XXXX XXXX I am in fact a natural original person. I am sending this complaint in regards to several accounts I have notice to be fraudulent and inaccurate. XXXX XXXX, XXXX XXXX. I have no prior knowledge as to why this is reporting on my consumer report. I have filed a lawsuit against XXXX XXXX along with Equifax, XXXX and XXXX. You shall be receiving a notice from the Attorney General and The XXXX Court House. My rights to privacy has been invaded and I am very distrait to the situation and I am not a happy individual. I am only allowing 48 hours and I will follow up within 3 days. This is my final attempt to resolve this matter or else I am going to litigate this situation. I have sent 2 Affidavit notice and certified mail with court documents more than 90 days ago the FTC report is attached. Do your due diligence and take this matter very seriously as it pertains to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Debit was deemed fraud by previous collections company and sold as new debit to new collections company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Rent Recovery Solutions
State: MN

Complaint narrative:
The management company XXXX XXXX XXXX XXXX evicted me from my rental and told me I'd be charged with trespassing if I came back on the property. At the time my rent was paid and the account was closed. 

A year later they sent me a bill for {$8000.00} for 8 months of rent on a unit I didn't even live in. This is fraud and These are Frodulant charges!! the account was closed! 
rent Recovery Solutions has been made aware of this and a XXXX complaint was made and excepted the acount as Fraudulant. Even after being contacted they still haven't taken it off my account and it's cost me horrible problems and it's Againsed The law! FRAUD!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CL Holdings LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Block, Inc.
State: AL

Complaint narrative:
I made a purchase from a merchant, XXXX XXXX XXXX back on XX/XX/XXXX. The merchant never shipped my product and I have been trying to get a refund ever since! It is now XX/XX/XXXX and still no refund. The credit card processor Cash App closed the case and advised me to work with the merchant directly. The merchant is highly unprofessional and a thief! She admits to not shipping my product and claims to have issued s refund. The merchant is lying and did not issue my refund through the card network. I have contacted cash app numerous times and submitted proof of my interactions with this merchant. Cash app has not returned my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2021-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started receiving notices from BB & T at the beginning of this year about " my account '' being over drafted. The problem is that I have never opened or owned an account at that bank at any time. I contacted the national number and reported the issue but it never got resolved and so I went to the local branch. Spoke with agent there who set up a meeting with the branch manager who then never showed up to the meeting. Once again called the company number and they assured me they would close the account but then started receiving the notices again. Despite multiple efforts to rectify the situation and talking to multiple agents at BB & T, either the account never got closed or they just kept opening up new ones as I continue to receive notices of problems with " my account. '' I locked my credit with an XXXX  account and disputed the account there and was told that when XXXX contacted BB & T to file the complaint on the account, BB & T told them that all the information was accurate on the account and there were no errors and the account was valid. Some person out there is using my personal information and identity to open multiple accounts through this bank and the bank refuses to acknowledge the identity theft, close the accounts, or prevent new ones from being opened in my name. Have contacted my attorney, filed a report with identitytheft.gov, and also filed a local police report and still the problem has not been resolved.

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX XXXX, XXXX, I had a deposit made into my paypal checking account for {$700.00} by an individual known to me. This is not the first time my account has received this amount or similar amounts into the account. I tried to withdraw the funds by accessing my account on my mobile phone using PayPal 's mobile app. Everytime I tried to move the funds so that I could utilize it, PayPal app would give me a message saying " were sorry we are having difficulties processing your request. The problem is on our part. Please try again later '', then the application would freeze. I tried numerous times to complete the transaction and at different times but kept receiving the same message! When I finally called paypal, I found out that apparently there were some steps for me to take in order to get access to the funds which I found out that paypal put a hold on. NOWHERE WAS I NOTIFIED OF THESE STEPS TO FOLLOW ON THE MOBILE APP OR ONLINE! 
I believe this is an unfair and predatory practice since I am sure I am not the only customer to have experienced this. PayPal and others like them like XXXX, are unfairly holding on to funds belonging to millions if not billions of people like me who are not savvy when it comes to online or virtual credit lending companies or whatever they're called, q like themselves. And by doing so, they are benefiting from these held funds to the tune of billions of dollars in interest earned and at the cost of normal people struggling to make a living or make ends meet and who themselves are losing out, collectively, on billions of dollars in terms of interest they could have earned, had they had timely access to their funds AND A LEVEL PLAYING FIELD IN TERMS OF CLEAR INSTRUCTIONS TO THE CONSUMER as to what needs to be done to gain access to the money that friends and family send or their customers send. I believe they are intentionally doing these things to financially benefit from consumers and somebody has got to stop them! Additionally, I think that they ( paypal, chime, etc.. al ) are intentionally trying to shield themselves from litigation by preventing consumers from taking screenshots under the guise that it is for the protection of consumers! Consumers should be able to screenshot whatever they want to once they have satisfied security protocols set in place to gain access to the information in the first place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal sent me message that I can no longer use their services which I reported here XX/XX/2021 and they later respond to my complaint that I can have access to my funds on before XXXX of XX/XX/2021, the time has elapsed and I got to email from Paypal and I have tired sending emails and still no meaningful response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/2021 I left my phone and some debit/credit cards in my roommates car. Later that day and evening someone used my Robinhood ATM card to withdraw {$880.00} from my account. I didn't realize it had happened until a few days later. When I did recognize it. I tried to dispute it online using their app. It told me I couldn't. I then put in to be called back by customer service. This call never came. It took me a month to actually file the dispute. It took me another two weeks to have the matter addressed with more than just an acknowledgement that the theft took place. After waiting for the requisite ten days for the investigation to proceed, I realized that I had received an email informing me I was sent an email with a questionairre. That questionairre never came. When I messaged the Cust. Support Team again to inform them I did not get this questionairre, I was told that they were waiting on me to complete the questionairre. I submitted complaints with the SEC and with the bank that handles Robinhood 's ATM debit transactions and nothing has come of it. I submitted online complaints with them again and am waiting to receive a call back from them. It is almost XXXX. Robinhood is out of Reg E Compliance and needs to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 27 inquires that was report plus more incorrect on my credit report. Damaging my credit report badly. I notify that violation XXXX fine which they said they sent my check but I have never received it. 
XXXX email

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