vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SinglePoint GI
State: IL

Complaint narrative:
XXXX this number is calling any person associated with me and leaving voice mails. They called every family member and now found out they called my work and tried to ask personal information about me to an associate. 

I have no idea who they are. I receive several scam calls from this number and other numbers leaving threats in voice mails saying I will be served and arrested for some collection. Some voice mails provide a social security number which isn't even mine. I get unwanted calls constantly and they should not be calling family members or work. I know it is illegal for anyone to say anything personal about me to anyone else rather that information is false, as well as constantly calling with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 at XXXX someone hacked into my cashapp account somehow and {$530.00} was transfered out of my account. Since then I have tried on numerous occasions to contact cashapp support to fix this matter, and still to this day no one has bothered to help me or refund my money. Its as if this isn't a problem and I'm just supposed to give my money away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting a debt for {$230.00} that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and Portfolio can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as XXXX  and Equifax on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMEX is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and AMEX can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The original creditor is XXXX XXXX XXXX XXXX. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the XXXX  XXXX repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that XXXX XXXX had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that XXXX XXXX sold the debt to Protfolio Recovery who has been less then professional. Protfolio Recovery not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have Protfolio Recovery and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that I need validated. I am not asking for verification of the debt but for validation I am legally obliged to pay them for this account. I have attached a letter with my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
To whom it may concern I consumer XXXX XXXX did a consumer credit transaction with Mercedes-Benz Financial Service USA LLC on XX/XX/2021 a finance charge is a sum of all charges I had to purchase insurance and also make a total of 3 payments I would like to be compensated for access damages that have been done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX PB XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXXXXXX XXXX Please See Attached Ftc Report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: LoanCare, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX reported my mortgage as being discharched in bankruptcy in XX/XX/2017 to the credit bureaus. This is correct. I never reinstated the loan, so further payments on the mortgage were not reported. Which is also correct. 

XXXX sold the loan to LoanCare LLC and then they reported the bankruptcy a second time for the same mortgage to all the credit bureaus. This is incorrect. They can not make any reports as they have to follow the banruptcy rules for credit reporting.

I now have two mortgage accounts on my credit reports for the same loan.

I have asked LoanCare LLC and all the credit reporting agencies to remove this LoanCare LLC reporting several times using standard dispute processes. Since all they do is send back electronic messages, there is not any human intervention and nothing gets resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as Experian and XXXX  on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.

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 2021-07-16 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: PA

Complaint narrative:
I am XXXX. I am not able to keep up with everyday things. Today I noticed that since XXXX I have been billed {$4.00} a month for credit monitoring services from equifax. My understanding that due to COVID and receiving government assistance that I should not have been billed. Equifax did not understand. This was today XXXX. Are they even aware of the XXXX government policy on credit at this time. I believe I was speaking to someone in XXXX because all they spoke about was the pandemic. No help. Tried to do the survey, it disconnected me.I believe I was billed twice between XXXX and XXXX just to make it even better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of XXXX I brought my student loans out of collections. In XXXX Experian dropped my score by over 30 point due to 60 day late payments to my student loans. I disputed the information with Experian, advising them that the cares act of XXXX waived all payments and interest on student loans until XX/XX/XXXX. The derogatory late payments are still on my Experian Credit report. Experian will notify through a credit alert if I spend {$100.00} on my credit card. The credit card balances that it shows I have, is 2 months old and I had to recently dispute my credit card balances. After receiving alerts that my disputes were complete, my credit score dropped another 14 point today. On XX/XX/XXXX my Experian score increased by a single point but today it dropped 14 for no reason. I've called every XXXX number on the internet for assistance and ended up be told to call my fico, which requires a {$30.00} per month. Main point of this complaint is, I have 2 derogatory late payments on my Experian report over student loans that are waived until XX/XX/XXXX. Experian will not remove the inaccurate data from my file

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 2021-07-16 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: Professional Credit Management, Inc
State: TX

Complaint narrative:
I have sent certified letters to Professional Credit Management on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to verify this debt that was placed on my credit report as a collection item. I have reached out to the original lender, XXXX XXXX, who stated they do not see me owing anything in their records. This is a XXXX violation, and I did not give permission to any healthcare facility to disclose my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I had received an inquiry from XXXX  on equifax. I immediately called XXXX when I saw it and they had no record of me. And I did not apply with them. It was XX/XX/2021 .So I disputed it immediately..it still shows on my report and the dispute is still open with Equifax. XXXX in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: UPGRADE, INC.
State: FL

Complaint narrative:
After noticing two of my credit cards were being used without my consent I contacted Upgrade. I advised the disputes department of the Fraudulent charges and almost 20 days after the dispute they declined my fraudulent disputes. I received an email from them just stating the list of transactions and decline next to it no letter no request to get a police report nothing my XXXX XXXX card same thing happened within two days I was given full credit back on my card no questions asked this company is in violation of the dispute regulatory pertaining to credit cards and or line of credit. They are not willing to take accountability for what they say a 0 % fraud liability. I have no way got no benefit with somebody fraudulently using my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Since they reported the transactions to me, I've tried contacting Barclays Financing Mastercard multiple times, both online and via their phone number. I've waited on hold twice for over an hour, and both times they dropped the call without talking to me. Their online " help '' keeps telling me to call their number.

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 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have bought and sold cryptocurrencies through Coinbase for over a year. I often noticed that the portfolio total value that they reported for a given moment, was often {$2000.00} below what their own prices were listed at. I complained three times and their response was always the same -- '' After reviewing your case, we've alerted a specialist to address your issue properly. We're currently receiving a high number of requests so reviews may take longer than usual. We understand the importance of this issue, and our team is working hard to get to your case. We will update you as soon as we can. '' Each time, months passed and they never got back to me. On XX/XX/2021, I sold the three cryptocurrencies that I owned, and after they sent me an e-mail receipt that included the deductions for their commissions, the total amount I received from Coinbase was over {$2000.00} less than what the cryptos were selling for at that moment, and they did not change considerably during the rest of that day. I have the details of what I sold on XX/XX/2021, how much the coins were worth at that moment, and how much I received from Coinbase. Obviously, the fact that each time I contacted Coinbase they admitted that they were receiving a " high number of requests '' is a good indicator that many others were also complaining about their shady dealings. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft WF/XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX/XXXX  Account Number : XXXX This is not 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 non-monetary relief
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian reported XXXX XXXX XXXX XXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately

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 2021-07-16 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXA/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I deposited my tax return check To an ATM at wells Fargo I put my card chose the deposit check out my check it took my check said thank you for you're deposit on the screen and didn't give me a receipt .. I straight away called the bank to let them know my deposit was not in my account they said ( don't worry it may take up to 24 hours to post ) it never posted I've opened claims to Witch wells Fargo closes they stole my check .. my tax preparer know the check was cleared XX/XX/XXXX into a wells Fargo account because the routing number is from wells Fargo ... it's been months and still have not received my check I've done a police report everything and nothing wells Fargo has the worst employees ..rude and XXXX XXXX wells Fargo has my money in an account my tax office has confirm my money is in wells Fargo

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