vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the first quarter of the Year 2020 I fell victim to covid-19 affected income. The company XXXX through which I had a loan failed notify me by either phone number or my address onfi all of their intention to charge off my account balance after being unable to pay 3 notes from lack of covid-19 work-related issues and loss of income. I had never been late on any of my bills before and my credit score was almost XXXX. Had XXXX made an attempt to contact me through my address on file or either my telephone number also on file I could have made suitable Arrangements with prosper to prevent the charge off on my account. The needless charge off devastated my credit score and has prevented me from getting consolidation loans. This charge off was sold to a secondary company who has declined settlement offers submitted buy me to them through written correspondence. The failure of the secondary Company to work with me in regard to settle the debt is in violation of the Fair Credit Reporting Act as no efforts were made to notify me by the original debt holder prosper. I have been clearly victimized by the XXXX  company. This was a deliberate action on the part of XXXX  to Force a default so that they could take advantage of selling my account to a secondary company in order to quickly recover cash assets for the benefit of XXXX  loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX  and Equifax. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from 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 2021-03-09 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Every thing has happened and could forward you the emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: LEXISNEXIS
State: NV

Complaint narrative:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: ID Analytics, Inc.
State: NV

Complaint narrative:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as TransUnion and XXXX. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.

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 2021-03-09 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: OR

Complaint narrative:
On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( seventeen years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX XXXX XXXX Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that XXXX XXXX XXXX XXXX could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.

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 2021-03-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NV

Complaint narrative:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT

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 2021-03-09 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: CBC Companies, Inc.
State: NV

Complaint narrative:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX XXXXXXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Ally Bank charged my savings account two overdraft fees after I tried to empty the account. There are two - {$25.00} debits on the savings account and one on the checking account which put it into a negative balance. Both of these overdrafts were initiated by the bank itself, so the bank is now charging fees to me based on its own overdrafting behavior, not mine. This is absolutely unacceptable. I requested that Ally refund all overdraft fees on my account but they have not obliged.

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 2021-03-09 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: WA

Complaint narrative:
on XX/XX/21 I got an alert that someone had run a hard inquiry on my credit which I never authorized or have an idea of the person this report showed up on my Equifax credit report as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc.
State: KY

Complaint narrative:
Collection company contacted me about a medical debt from two years ago for an emergency visit. I explained to them that I always had insurance and my emergency room copay was {$250.00}. They told me I owe {$1500.00}. I provided them with my insurance information. They did not reply to the information I provided via email to the representative that contacted me, and after a couple of weeks resumes calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
My name is XXXX XXXX and I want to complain about PayPal lying to me without resolving my issues.

Whenever I want to link my card to withdraw my funds, it says " there is a problem wrong with my account asking me to contact customer service for help ''.

When I contacted customer service by sending a message by logging into my PayPal account, they do not respond to resolve my issue for more than a month now.

The 180 days hold expired since last month but I can not withdraw my funds due to PayPal not allowing me to add me card, I have bills to pay.

It is Worthy to note that in my similar complaint to the office of California Attorney General last month with complaint number XXXX, a PayPal employee by name XXXX XXXX responded and lied to me that she had made adjustment for me to be able to add my bank or card to withdraw my funds, and she further stated that no errors occurred when handling my account. Such is a big lie and I would like to sue her for lies. 

After she responded and said no issues were found, I tried to link my bank and card but the same error occurred, which means she lied to me. 

I have also contacted PayPal ok XXXX explaining the issue to them about the lies and a customer service representative by name XXXX said she had escalated my issue to a specialist to resolve it and said all requests are handled in the order they are received. Since then I haven't heard from PayPal and it has been weeks.

PayPal purposely ignored me and they lied that my issue has been resolved when it has not. I believe PayPal is run by unprofessional people and they need to conduct further retraining of their support teams so as to know exactly what customer issues are and how to resolve them. 


I need a specialist to handle my issue so it can be taken care of properly since XXXX XXXX showed her unprofessionalism by lying when she didn't even do anything to resolve the complaint I raised, I wish she could be retrained further as she sounds so XXXX  and unprofessional despite her position. 

I also spoke with my bank which is the card issuer and they said the issue isn't from bank. 

I have tried more than 5 different cards from different banks of mine but the error message is still saying the same thing. My banks said I should reach out to PayPal, but PayPal is not helping due to its untrained support. I have tried up to 7 cards from different banks such as XXXX XXXX, XXXX, XXXX XXXX and other bank cards of mine but I still got the same error message from PayPal.

My bank is not the issue.

I only want a very professional specialist to look into my case so as to resolve it, I do not want further contact by XXXX XXXX because of her unprofessionalism I want PayPal to resolve my issue and give a response that truly it has been resolved, I don't need a copy and paste replies. 


My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2016 ) agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting CAPITAL ONE BANK USA NA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
PENN CREDIT CORP at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$630.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30-60 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 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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have been trading cryptocurrencies for a few years on Coinbase and CoinbasePro. My account has been locked however since early XXXX - for some reason I can not sell or withdraw my assets which are worth about {$15000.00} ( XX/XX/XXXX ) I have opened multiple tickets to get this matter resolved with Coinbase but they just sit on it for 20 days and send a response saying issue is resolved and just close the ticket. I have opened at least 6 tickets with no resolution. 

At this point I feel they are illegally holding my money without any form of communication. I need your help in freeing up my money so I can withdraw it forever from Coinbase.

To reiterate - I have money in Coinbase and Coinbase Pro. They are both locked since early XXXX. After a month of opening tickets and reaching out to them - I have no resolution and instead they send me automated responses falsely claiming that they resolved my ticket and end up closing my tickets without any actual resolution. This is quite frustrating and to me it seems illegal. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I have made an account with Coinbase and purchased some Bitcoin. This occurred over 2 months ago. From the day I purchased it, Bitcoin have locked me out of my account preventing me from accessing my money. I have contacted the company and they closed my case after 1 month saying that theyve resolved the issue when in fact they have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

Thank you

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