vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: NC

Complaint narrative:
XXXXXXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: GA

Complaint narrative:
I mailed Experian my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681. I am entitled to {$1000.00} per violation.

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 2021-05-16 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is very old from XXXX XXXX. the Date it was Opened was XX/XX/XXXX. It was Paid, Closed and written off. The account should have been deleted in XXXX. It keeps reappearing and It needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is very old from XXXX XXXX. the Date it was Opened was XX/XX/XXXX. It was Paid, Closed and written off. The account should have been deleted in XXXX. It keeps reappearing and It needs to be deleted.

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 2021-05-16 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$170.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Collection account for {$250.00} balance date XX/XX/2021 Account not mine possibly identity theft Will file identity theft 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 2021-05-16 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: OH

Complaint narrative:
Paypal close my account and i want try get back. 
They talk about fraud or dispute activity and i already scan my account is not any dispute or chargeback activity. 

i sent all my personal information for have a verify account but that not help me with paypal. 

in this case if paypal do not want me restore my account, i request let me get access to my money. 
or tell me when i will be avalible for withdraw my funds. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Collection account for {$250.00} balance date XX/XX/2021 Account not mine possibly identity theft Will file identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a debit card with chime that is backed by XXXX XXXX. I applied for a SMALL BUSINESS LOAN that was approved the funds were sent to my chime debit card account. Chime closed my account and froze my money. T he sun of XXXX dollars. I contacted chime over and over again put they will not response, they only tell me to email them at chime support. I filed a complaint with the CFPB months ago that lead to a XXXX XXXX from XXXX XXXX to call me, but nothing has been resovle and they still haven't returned the funds to the XXXX or to me. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I have received some large deposits of $ XXXX that disappeared or were withdrawn 2 mind after deposit that I did not withdraw or spend. 

A lot of fraudulent charges. Missing funds. 

Account underwritten. Allowing ppl into my account without even having the correct password. 

Implicating my P.O.A. of withdrawing $ XXXX around like 6-12months after the money was stolen while back dating the entries on the account that never happened nor should exist to account for missing funds. 

Not allowing me info from prev accounts that were open then closed for fraud due to Wells Fargo claiming that the accounts never existed. 

More then 1 card open at a time but lying stating there is only 1 open. All the while I can see like 3 cards open ending In different numbers online. 

Hacking my online account. Refusing to allow me to dispute transactions and credits to fraudulent transactions. 
Drive through teller attempting to steal {$200.00} and other tellers stealing money constantly.

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 2021-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
This account was opened this year. I do not nor have I ever applied for a credit line with XXXX  XXXX. Neither do I or have ever resided at the address the card was sent to. This is a case of identity fraud. A dispute was made and in progress with XXXX XXXX. I was under strict counsel not to only open specific credit accounts and XXXX  was not one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Traunsuion, in response to your response, i am not a third party. My name is XXXX XXXX XX/XX/1978, and I am a victim of identity theft. And I give again authorization to CFPB and Transunion

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 2021-05-16 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX  Companies XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-16 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: GA

Complaint narrative:
I mailed Equifax my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681. I am entitled to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed on with Transunion credit monitoring service months ago back in 2020. I signed up for a month-to-month subscription. After one month of using their service and paying the fee that they charge for this service, I have tried numerous times to end it. I have made phone calls, sent emails, and spoke via text chat with their support personnel. They billed me a few times because they would send the bill thru to my checking account over and over and over again until eventually, I had to disable my debit card, 2 times now, just to stop them from billing me. There is no way for me to end this subscription on their website even tho there is a law in place for California residents to be able to quickly end a subscription. Now when I log in, I am greeted with the same billing page asking me to enter a new credit card. If I click away from it to see my account profile, everything is blank. I can not file a dispute, I can not even see what is on my credit report. A few months back it was extremely important that I get a credit report. so I paid the fee for the credit monitoring service and like magic, I could access my credit profile on TransUnion. When I stopped paying the service initially, I was immediately hit with a 60+ reduction on my credit score. and still to this day they have reduced my credit score repeatedly for erroneous items such as - too many new credit accounts ( I have 3 ). Or when I pay off a loan I got just to build my credit, they reduced my credit score by 12points saying my available credit was reduced. They have also fraudulently reported increases in my student loans thereby reducing my XXXXredit score again. I have an open complaint with you folks on that already.

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 2021-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Multiple calls everyday. Company received cease and desist letter XX/XX/2021. Im still getting unwanted calls XXXX XX/XX/2021, XX/XX/2021 ) and email as well. Not to mention, the violations : 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692d ( 5 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 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: OK

Complaint narrative:
I mailed 2 certified letters with return receipts, first letter was sent out XX/XX/2021 an received XX/XX/2021 asking Equifax to verify XXXX XXXX XXXX XXXX XXXX XXXX or to delete the account also included was a letter from the Court saying " they do not give or sell any information to third parties or credit bureaus '' also included was a letter from XXXX stating they deleted the XXXX XXXX XXXX  and on XX/XX/2021 Equifax verified the Bankruptcy accurately reporting and they also never marked the account under dispute or disputed. I sent my second letter out on XX/XX/2021 an it was received on XX/XX/2021 asking Equifax for Method of Verification and asking Equifax to send documents of proof or to delete the account and on XX/XX/2021 Equifax claimed they verified the account with the court and it is reporting accurately but once again with out providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This a waste of time and a frivolous attempt to collect an UNVALLIDATED debt that I don't owe Covergent Outsourcing. 


This is the account numbers Listed in there Letter Client Account # XXXX Convergent Account # 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 2021-05-16 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: MO

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent letter of communication to Portfolio Recovery on behalf of a debt validation. I have never entered into any agreement with them. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I requested verification of the alleged debt, specifically, I requested the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance. I requested a copy of the contract and agreement between all parties showing wet signatures of all parties. They are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). I am pretty sure they are aware, credit reporting is considered debt collection under the law. Of my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with Portfolio Recovery XXXX. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On Friday XX/XX/2021 I transferred money from my wallet on the XXXXXXXX app ( $ XXXX fees {$340.00} or {$390.00} ) to my XXXX wallet on Coinbase app on my XXXX. 

The transaction is showing as successful in the blockchain. My money is not showing up in my XXXX wallet on Coinbase. 

I contacted both companies. XXXX said it was showing as a successful transaction on their end. Coinbase said they dont support XXXX and could not accept my funds. I asked them to send it back to my XXXX wallet then since XXXX said Coinbase has control of the money right now and they cant reverse the transaction. Coinbase told me they wont release my money and the XXXX had to reverse the transaction. They are both blaming each other and saying the other company can solve the problem. 

I just want my money back please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I created an account with Gemini app on XX/XX/2021. A part of the process involves submission of a passport or drivers license to verify my ID. I submitted this information, deposited funds and bought some cryptocurrency. Gemini accepted my money, allowed me to purchase cryptocurrency but still has not verified my ID so I can not withdraw or transfer any funds or cryptocurrency and it has been almost two weeks. I emailed them but only got an auto email not addressing the issue but saying that they are back logged and to use their support services. 

Their support services do not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, Chicago Title company, in the process of maintaining and closing the escrow for a real estate transaction, tries to make the buyer pay for the " Owner 's title insurance ''. This insurance is clearly optional per CPFB. When the buyer asks the escrow to remove the owner 's title insurance, Chicago Title company threatens to over charge the consumer a " title search fee '' of XXXX, where the national average is around XXXX or slightly higher ( still < XXXX and when the buyer is paying for around XXXX for the lender 's title insurance policy already. This action / behavior is clearly out of the line, is unfair practice, and significantly in some sense forces the buyer to opt for buying the owner 's title insurance. 

Also, the title company calls buyer 's valid questions as " non sense '', and does not seem to remain neutral during the processing of the escrow. My spouse is infuriated when title company 's comments/emails were sent and viewed.

Company response to consumer: Closed with explanation