vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 CBE Group, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CBE GROUP 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 ( 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 ) 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 -- ( 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 CBE GROUP XXXX. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I entered into a consumer credit transaction with XXXX XXXX XXXX. I received a letter from Radius Global Solutions LLC stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have open up an account with Gemini to withdraw funds from a recent art sales. They have all off the information and my funds yet I can not get through to that at all no matter what method of communication I use

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all XXXX credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
Hello, ERC is reporting a collection that is unknown to me, I sent a debt validation letter dated XX/XX/XXXX to the company that was delivered on XX/XX/XXXX. This letter was sent certified mail via USPS with the following tracking number XXXX. The company did not respond to me. I sent another letter certified mail dated XX/XX/XXXX advising that I believe they have violated my rights by failing to verify a debt at my request. This letter was sent using the tracking number XXXX. To date they have not sent any information to me yet this debt is still being reported.

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: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have applied for numerous credit cards and while in the earlier stages I was advised that it would be more difficult to obtain a credit card due to a lack of credit history, I should continue to build credit with my current two cards. I have been advised by XXXX  that I had a 98-100 % chance of being " pre-approved '' for their credit cards and am subsequently denied every time on these hard inquiries. I have upwards of 15 denied credit inquiries, which I've attempted to dispute with my bank, XXXX  and American Express. An XXXX phone service agent admitted to me that their website can be deceptive in terms of having people apply for a credit card and the likelihood of being approved. I need these inquiries to be removed and XXXX  should be investigated for their unethical and misleading phone agents. I would these inquiries to be removed from my credit file so I can improve my credit.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXF FLORID XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I reached out to RS clark and Associate for information about the account that they say I owe for a contract or information where I opened the account. However they never contact me back. I have never had an account nor contract with this company ever.

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 is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I OWE THEM NOTHING! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

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: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
This was a co-signed loan for my niece. She paid off the loan in 2020. They removed the amount 3 times in her bank account and refunded once. NMAC told her they had recently switched to a new payment system and there was an error on their part, they would get it corrected. My niece had to pull her bank statements to show where the payments had been made and they finally corrected the mistake. When I pulled my credit report on XXXX, they had reported that the payment was 60 days passed due and it has pulled my credit score down. I called the customer service number and they denied that they even reported to the credit bureau and there was nothing showing on their end to even report as late. They refused to correct the inaccurate information and when I explained that I needed that in writing they refused again. The first customer service rep. was XXXX ( refused to give any more info ) He also said there was no manager there and refused to give corporate info. The second was XXXX and when I explained I would like to record the conversation since they would not give me anything in writing, He refused also. I called XXXX in the corporate office after having to XXXX the number and she suggested at first to transfer me back to customer service, I explained the responses I had already gotten and then she suggested that I call the dealership where we purchased the vehicle originally, I called and XXXX ( manager ) said there was nothing they could do, they had nothing to do with Nissan 's finance dept. I went back to my credit report online and clicked on the link to dispute this.

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 repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc.
State: CA

Complaint narrative:
Please review creditrepair.com, a company misleading consumers to believe that factual information can be removed from credit reports. From their website " CreditRepair.com can show you exactly whats hurting your score & how you can work to fix it ''. You can not " work to fix '' missed payments. This is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This debt was paid in full in agreement to delete from my report. American Express instead only deleted payment history and remarked as paid in full. They have broken agreement and violated my rights according to FCRA as a consumer and I am requesting legal action to remove this account immediately.

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: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On first trimester 2021, Paypal Credit closed my account, after many years of use.I called for reason to close my account..They said I had an unpaid balance of less than {$10.00}. I had a direct payment setup from XXXX XXXXXXXX XXXX for monthly payments. They said XXXX XXXX XXXXXXXX rejected monthly bills and they had a confusion about which one of my accounts at XXXX was setup for monthly payments. At that moment, I had a positive balance in ALL my XXXX XXXX XXXXXXXX accounts. so i did not understand this reason and explained to Paypal Credit that at least in goodwill, they should have given me a call BEFORE closing the account. This is a bank to bank situation which negatively impacted me, the customer. Also, at that moment, my Paypal account had positive balance but they said Credit and regular Paypal accounts are handled by separate banks. This practice is very confusing - since they use the same name PAYPAL and use the same webpage.

To resolve situation, in good faith, I offered to pay immediately the less than {$10.00} balance in order to maintain open my Paypal credit account older than 7 years.

Rep was unprofessional. I asked for a supervisor, explained all of the above again.

Supervisor did not offer any option. I said I wanted to act in goodwill, make immediate payment over phone, and keep Paypal Credit account, and that due to bank to bank confusion and Paypal Credit not giving me a call, I deserved a reinstatement of the account. Supervisor said that account was closed and there was NO way to reinstate or make active ever again ; that I would have to apply for a NEW account.

Paypal Credit is not acting in customer gooodwill penalizing a long time customer with a good payment history in more than 7 years, over a mishandling of AVAILABLE funds between 2 institutions that is totally out of customer control.

Will appreciate if you please review Paypal Credit account closing practices.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX  XXXX PORTFOLIO RECOV ASSOC 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 ( 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 ) 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 -- ( 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 XXXX XXXXXXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because Navient did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the Navient Advocate and was offered a letter of good standing but not something that will remove the marks from my credit history.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Plus Inc
State: TX

Complaint narrative:
When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because XXXX did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the XXXX XXXX and was offered a letter of good standing but not something that will remove the marks from my credit history.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. 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 explanation