vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
My daughter had her own student loans to cover her education. One semester she was a little short so I applied for a parent-plus loan to cover the small amount she needed. No where on any of the paperwork did it say my parent-plus loan would become the primary funding source for the remainder of her education. I amassed over {$30000.00} in loans without my knowledge. I complained and sent them copies of their own web site pages pointing out that it never told me I would be the primary funding source. I expected to be a small over-flow source for books, etc. It was unfair and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Since at least the XXXX of XX/XX/2021, my Coinbase account has been restricted with no explanation on why ( I have funds in my account and I can't sell or buy on coinbase ). I've emailed them in XXXX because I was unable to sell my crypto but was allowed to buy and they never responded to me. 
On the pop-up telling me my account was restricted, it told me to go the support page and file a complain, however on their support page there is no option for " restricted account '' or anything alike and you must file a report through their website to potentially get a response. 
I've direct messaged @ CoinbaseSupport on XXXX 11 times and publicly tweeted at them asking for a response but to no avail. 
I decided to search online for information about what to do if your Coinbase account is restricted, instead of finding answers I found many posts of people saying they were restricted too and Coinbase support were giving no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: GA

Complaint narrative:
OnXX/XX/XXXX there was a transaction labeled XXXX XXXX XXXX for {$5200.00} that was debited from a card I closed ending in XXXX, and the company sent me a new card. Stated the funds from old card were to be transferred. Received new card and couldnt transfer funds as funds were no longer there and a transaction labeled XXXX XXXX XXXX onXX/XX/XXXX with the funds that were in account. I called company and everyone acted oblivious as to where my funds were or would keep saying they would give me updates and nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION XXXX  DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: FL

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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had opened a Citibank checking and savings account. I passed all verification steps online and my account was opened. I decided to get my loan funds direct deposited into my checking account which was done so on the XXXX of XXXX. I have a business to run and funds must be used to pay my employees. But Citibank took it upon themselves to block access to my account for no reason. Ive called in so many times trying to get access to my account and I even set up my payroll through XXXX to pay out my employees again citibank wont give me access. I was told I need to wait for a reference number in the mail never got it. Citi bank will not let me gain access until i get this reference number that i never got in the mail. Ive receive my debit cards and pin and even my personal checks but no reference number. 

Ive asked if I could step into a branch location to take care of this and i was told no. The letter im to be getting in the mail was mailed out on the XXXX of XXXX. It makes no sense what this reference number is suppose to be for. Ive had to contact my lender to verify everything is good on their end and it is. So citibank holding my funds is causing a burden. I will be facing a lawsuit if I do not pay my employees by this friday.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter XXXX failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. I NEVER REQUESTED ANYTHING FROM THEM AS I HAVE NEVER HEARD OF THEM BEFORE! How can I request anything for a company that I never heard of before prior to my last complaint? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Bridgecrest Acceptance Corperation does not follow The Truth In Lending Laws 15 usc 1601.This is another refusal to pay, I feel like my privacy as a consumer has been breached at this point. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX Bridgecrest Acceptance Corporation XXXX They are wrongfully trying to benefit from my open end credit card that I used to initiate this consumer credit transaction. This is also another written refusal to pay. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved XXXX XXXX XXXX  When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I disputed the debt and asked how was it valid and to verifiy it, they never told me who the name an address of the original creditor is pursuant XXXX XXXX XXXX ( XXXX ) ( b ). They just sent me a letter telling me its valid and they verified it. That is not validation by federal law. This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I received respond from Citibank, after several attempts to call and speak to XXXX XXXX at Citi XXXX Response Team, and sending her my copy of Drivers license showing my correct address she confirmed the new checks will be issued and mailed and she will call me before the end of the day XX/XX/XXXX. She failed to keep her promise, I have attempted to call her for several days and there is only recording to leave message and sent her email dated XX/XX/XXXX and XX/XX/XXXX. I have not received any call or reply from her or citibank about my funds. 

copy of the email sent to citibank Citi XXXX XXXX : XXXX, XXXX, & XXXX Hello XXXX, Further to email sent on XX/XX/XXXX and your call to me, you assured me that you are following up with someone to process the issuing the check and call me to confirm the next day but I have not heard from you. Can you please call or send me reply to when will you be mailing the checks to me? 
Thanking you. 
XXXX XXXX Copy of Email sent to you on XX/XX/XXXX As per our phone discussion on Monday you confirmed that you have received my copy of driver license with correct address and you are going to process the checks to be mailed by over night delivery and will call and confirm before end of the day. I have not heard from you since as promised, since I have tried to call you XX/XX/XXXX and XX/XX/XXXX but there is recording message call regular business hours and leave message, I have called regular business hours and also left messages to speak to you but I have not heard from you. 
Would you kindly get back to me regarding my mailing of the funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Consumer Financial Services
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My loan was paid on time. I have never been late but Loan CareXXXX XXXX the servicer was called today after receiving a letter for me to pay XXXX  late fee, When I called their automated system XXXX @ XXXX XXXX 5 times it states that my loan payment of XXXX was processed on XXXX company is filled with annoying charges that effect consumers credit. I called XXXX Bank and they verified that this payment had been made and summitted on the XXXX date that XXXX XXXX acknowledges on their recording. I do not want anything showing late mortgage payments. I already have a complaint against this company with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have been logging on to my student loan account at Nelnet to make my payment. I don't know my account # or user name and have been logging on by providing my ssn & dob. Now it won't recognize them and have been going online for several days now trying to make my payment. I tried the chat which is really just a ruse to get me to take advantage of services I do not want. The email feature won't let me communicate w/out an account number. I work in a XXXX XXXX myself and can not talk on the phone during the day and into the evening so my ability to make a call. Now I am late after working for some time now. 

I mention this because this is a grossly unnecessary problem and barrier created by the student loan companies that causes honest law abiding past students from being timely. I have been caught in these thickets of XXXX and obstruction by student loan services before including being put in default. These days when they WANT us to go online but make burdensome and obstructive. It is NOT a category of complaint on your website but I know from first hand experience this ensnarls thousands of students already having a hard time even affording payment and will never work off even the interest. Please do something to make student loan servicers truly easy to access not just trouble making cosmetic and difficult to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX  NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to Transworld Systems Inc asking them to validate an account they were reporting on my credit. I had disputed this account with the credit bureaus before, and they sent me some verification. The verification they sent me, very clearly violates the rights granted to me under HIPPA. THEY SENT ME PRIVATE MEDICAL BILLING INFORMATION THROUGH THE MAIL. I want this company to be very aware that what they did was wrong. WHAT IF MY NEIGHBOR SAW THAT! THAT IS HUMILIATING! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Purchased one time XXXX XXXX for 19.97 - received them and did not like them and did not order anymore in XXXX of XXXX using Bank of America Credit card. Because of Covid - found our that XXXX XXXX  was charging me every month on my Credit card for the same amount - without any product delivered or wanted. Contact Bank of America and on several occasions and they continued to deny XXXX and finally spoke to a Supervisor who said it was not Fraud but Dispute over Billing and promised me that it would be credited. Now I received a letter stating that I needed to provide original documents ( which I can not - was a XXXX  ad ) or they would not help me and stated that it would be easier to cancel my request. I tried calling XXXX XXXX  company and could not get a response.

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 monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX my attorney was a victim of identity theft and someone hacked into her email. I reached out to her through email concerning my retainer fee. " She '' responded saying I can send her the retainer fee through Zelle with my XXXX checking account to her accounting clerk XXXX XXXX XXXX " The Hacker '' ). I sent {$2200.00} through XXXX XXXX Zelle. {$1000.00} on XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. I had to switch attorneys as of XX/XX/XXXX because my attorney had become a supreme court judge. In the process of closing her law practice she was going through her emails to make sure there were no loose ends that's when she noticed the interaction I had with her hacker and the money I sent over to her but in reality her hacker. I reached out to XXXX and they there is nothing they can do because Zelle is not their company.

Company response to consumer: Closed with explanation