vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 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: NY

Complaint narrative:
My Equifax account mixes another person 's name and DoB under my social security. That person has a delinquent account and some addresses that don't below to me. I have submitted two disputes, the first one asking them to correct the name and DoB, and remove the false addresses. The result said the addresses were removed, but they weren't, and it didn't mention correcting the name. 

I submitted a second dispute asking ( again ) to correct my name and DoB, and remove the account that does not belong to me. Equifax simply ignored the ask to correct my name and DoB, and used the wrong name and DoB and issued a false report saying that the account does belong to me. There is no mentioning of correcting the name in the report again. 

I do not understand how Equifax is able to put some accounts under my name and DoB and my SSN, and one under a different name and DoB, ALL under my account, and ignore my request of correcting the personal info TWICE. I think it makes sense that neither XXXX or XXXX uses it. 

Additionally, Equifax let me see the account history of that account which does not belong to me. It clearly violates that person 's privacy rights and is a violation of data security practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: TX

Complaint narrative:
My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened BBVA credit card through their customer service in XXXX. I have been told I can got 50000 points after 4000 spend plus 10000 additional points after my first use my credit card equal total 60000 points in 3 months. I finished their Spending requirement. Then I just received 50000 points only. I called customer service they said the 10000 points ending in XX/XX/XXXX. They cant give me these points. I felt so disappointed about BBVA. If you cant offer me, you should tell me before I apply. So I think they said that, they should honor it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: MN

Complaint narrative:
CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BELOW NOT CORRECT : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ^^^ NOT CORRECT ADDRESS ^^^ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$27000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$440.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX XXXX {$19000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX {$1100.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$5300.00} XXXX FCRA violation. How is this verified? Not mine. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX, XXXX {$200.00} 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 2020-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Account was closed and payment plan up and has been paid on time. Capital one still reported on my account as a charge off and is collecting a tax credit and payment from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I purchased a phone awhile back, and it arrived soon after but had to purchase a charger separate and wait for it to arrive. Once turning the phone on and using it, I noticed some issues arise. First, the USB slot had issues recognizing the charger or other dongles. Then I noticed phantom touches where the screen would tap by itself. The advertisement for the phone said it was in good condition with no issues whatsoever, and it clearly has issues. I tried searching the website where I purchased it from to get a refund, but there was no way. So, I was forced to refund via PayPal, and they managed to get in touch with the seller. I then demanded a refund for the falsely advertised broken device, in which they agreed with but never sent me anything in order to ship the item back. There is a full chat history to prove it. After some time and still nothing from the scammer, PayPal closed my case. This is straight up fraud and both XXXX and PayPal should be held responsible. I would also like my money back for a product I never got, which was a WORKING phone. The device at hand was {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I called binance support because I needed to withdraw my funds into my ledger. ( Im not very tech savvy ). I couldnt login so I called support, the representative basically told me he would help transfer my coins into my ledger for me. Long story short, I gave him access to share my screen ( stupid move ), he transferred a few random coins into my ledger as I watched ( thinking he was transferring them from my binance account ), until after a few minutes my screen went black and he told me this will take a few minutes. While it went black, he transferred all my existing coins from my ledger out and left me with nothing then hung up and blocked me. He stole XXXX worth of crypto. I came to find out after doing some research that it was a scam phone number posing as binance customer service. I contacted XXXX to remove the link, which they havent yet. I still have the phone number and he blocked me but when I called from my friends number, he answered. I had my friend hang up and a few minutes later, the scammer called my friend back. The scammers phone number is XXXX. Another number he called from was XXXX. I gave you the short version. If you would like more details, or would like to talk on the phone, my number is XXXX. I am active on XXXX  at XXXX XXXX or on XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Account was closed and payment plan up and has been paid on time. XX/XX/XXXX XXXX still reported on my account as a charge off and is collecting a tax credit and payment from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XX/XX/XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.

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 2020-11-29 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: NY

Complaint narrative:
This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.

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 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I have attempted to verify my identity several times with Coinbase and the system has repeatedly rejected my identity verification. The verification requires that a person submit a scan or pictures of the front and back of a photo ID and a webcam photo of themselves in real time. I have submitted approximately 10 verification photos and ID uploads from XX/XX/XXXX thru XXXX XX/XX/XXXXI have submitted multiple help tickets with coinbase trying to resolve the issue and all of my attempts have resulted in no solution. Coinbase has made no attempt to assist with a resolution to the problems with my account and has refused to accept my ID verifications and has provided no alternative method for me to access my account, buy or sell my digital currency. In essence, coinbase is holding my money and personal data hostage and committing consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole my XXXX debit card when I first went on unemployment the day after I came back from my rescheduled wedding and a week after I found out my dog had terminal XXXX XXXX. 

Someone in XX/XX/XXXX named XXXX then did a mobile app transfer for my {$900.00}. 

I reported the card as stolen and was able to get the second {$900.00} payment out. 

I since then had to figure out which XXXX Bank of America line to call and wait on hold for an hour the day after I put my dog down. 

BoA then added a {$900.00} credit to my account and mailed me a new card. I couldn't transfer the {$900.00} out to my bank account. A few days later, a debit was put on my account and my credited money was gone once my new card arrived. My claim was closed without investigation. 

I since then called their transaction dispute hotline at the end of XXXX again to explain that I haven't received my {$900.00} and was told there was a system bug where any open investigation was automatically closed. He then put an escalation on my account to reinvestigate my claim and said to call back in 10 to 15 days if I did not get anything in the mail. 

Last week, I tried calling again because I have received nothing from Bank of America about investigating or reimbursing me for my stolen {$900.00}. I was told again that there was no timetable for my reimbursement and that they would put an escalation to reopen the claim. 

Meanwhile, I was supposed to have my {$900.00} in XXXX and it's going to be XXXX. There is no timetable of receiving my money and absolutely no acknowledgment that the Bank plans on reopening my claim without proper investigation. The only way to reach them through the EDD Dispute Transaction line is the phone number : XXXX XXXX XXXX XXXX and you have to wait on hold for hours to get through. There's no other way to track the status of your claim. 

I would like acknowledgment from the bank that they will investigate my claim and a timetable on reimbursement. You shouldn't have to wait months to be reimbursed for money you pay into.

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 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is XXXX XXXX XXXX XXXX. There are various account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL SYSTEM submitted a collection account to credit reporting agencies that was previously investigated, resolved and removed from my credit report. It appears XXXX XXXX XXXX sold the debt to JEFFERSON CAPITAL SYSTEM after the account was deleted from my credit report. I requested from XXXX to generate a bill to verify the debt, they were unable to generate a bill. I also communicated that both XXXX and this debt collector as well have never properly communicated to me that there was an outstanding debt and have never provided any documentation after several attempts requesting that they provide documentation. Once again in the report, they are reporting this account to be a XXXX account however when XXXX XXXX XXXX reported the account they reported the account as XXXX XXXX XXXX. These are invalid, undocumented, false statements and I have not received any documentation thus far to confirm the validity of this information. 

Below is the detail information from the prior investigation. 

REF # XXXX XXXX XXXX XXXX XXXX XXXX - CFPB Dispute submitted on XX/XX/20 I called XXXX XXXX XXXX and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX did not. I am requesting that these companies provide proper documentation supporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: IL

Complaint narrative:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: IL

Complaint narrative:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

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 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account isnt mine.

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