vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I have received no information in writing from this business. I logged in to check my credit report on XXXX and noticed a derogatory remark from Nationwide Credit & Co. 

When I attempted to call the number listed at XXXX XXXX XXXX for Nationwide Credit & Co, it is disconnected. I asked XXXX  to verify the debt and they updated the file as from XXXX XXXX, XXXX TX online but provided no other details. I believe this to be a debt I have been paying regularly since XX/XX/2020 without missing a monthly payment, but I never received a letter or bill from the hospital or from Nationwide, nor did I recieve a call. The credit report does not list any payments which I've made since XX/XX/2020 and I have had no attempts to collect from Nationwide or XXXX either. Nationwide Credit is at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: FL

Complaint narrative:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2021-08-17 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: FL

Complaint narrative:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW XXXX is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW XXXX is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am a veteran and was offered a 3 line package with XXXX if I transferred my lines. On XX/XX/2021 I tried to port over my wireless cell from XXXX by XXXX to XXXX however they could not complete the port. I was misled when they offered the services. Since the port was not able to complete I never activated the services. In other words, I am being billed for services never rendered. XXXX recognizes that the port was not successful and the account was canceled the same day. I contacted XXXX several times and was advised they will correct the account but have not done so. Now they have placed the account with a collection agency that has threatened to report it on my credit report. This is a clear case of unfair and dece [ tive practices. The amount billed is {$97.00}.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a purchase from Amazon.com and later returned approved merchandise which was eligible for a full refund. I returned all items in order XXXX on XX/XX/XXXX totaling {$150.00}. I have my receipt proving my return from XXXX, I have copies showing Amazon says I got the refund, I was advised to file a dispute with my credit card company to get the funds returned. I won the dispute on XXXX and it is also documented. The credit card acknowledged via chat on XX/XX/XXXX they knew I won the dispute. I have contacted the credit card company on 7 different occasions with all the necessary documentation and Synchrony has not credited my account back for the missing funds. They told me to wait 90 days. Amazon said I was supposed to receive my funds back in 3-5 business days. At this point I consider the money stolen by the credit card company. It needs to be returned as I have long ago returned my merchandise. This is not acceptable.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to understand why my credit score varies month to month. I pay my credit card balances completely every month, as well as all of my bills.I own my own co-op apartment debt free. My income and my assets have been going up annually for several years as well.The last loan I had was in XXXX for an automobile and that was paid off in 6months. I am being penalized because I have not a mortgage for 15+ years or opened any new credit lines The companies reporting these specious reports as of XX/XX/XXXX are Transunion and XXXX. When I spoke with their representatives they blame the banks. When I speak with the bank they blame the credit reporting agencies.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.

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 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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
State: FL

Complaint narrative:
I opened an account with Gemini Trust Co. on XX/XX/XXXX. I deposited {$1000.00} into the account on XX/XX/XXXX. I was able to move those funds to an Earn account. I then deposited {$9000.00} on XX/XX/XXXX and have been locked out of managing those funds since. I have read several of the other complaints filed recently with the XXXX  and they sound exactly like me. I have done several submittals of verification information ie : drivers license, Photo of me holding my drivers license and a note attesting that I am voluntarily adding funds to my account. This is XX/XX/XXXX and they still have my account locked. Just like the other people. I made a mistake when I wired funds on XX/XX/XXXX and immediately notified Gemini of what happened. I had used the same ref no on the bank transfer as I did to open the account. I didn't realize I had to use a new ref number. I emailed them on XX/XX/XXXX and advised them of the error thinking that might be why it was locked. 

The {$9000.00} shows up in my account but I can't trade, buy or withdraw anything. There are over XXXX complaints with the XXXX  for Gemini. Many just like mine. 

This is from XXXX XXXX XXXX website.XXXX XXXX XXXXXXXX. They also report Gemini locking accounts. Let 's see how much money are they managing in the float? 

" Customer Service Gemini does not have much in terms of customer service options. You must create a support ticket via their app or website, and wait for a resolution.

Editor 's Note : We recently downgraded our review of Gemini due to poor customer service and account resolution issues. Be advised that Gemini has been locking accounts and providing no resolution to customers. We had our test account locked without any notification ( discovered on XX/XX/XXXX ), and we could not even get a response until XX/XX/XXXX. The only reason we believe Gemini even responded was due to multiple tweets from our verified XXXX account, along with support from other verified users. We also filed a complaint against Gemini via the New York Department of Financial Services. 

As such, we urge readers to be cautious as we've seen an uptick in similar complaints from readers here, on XXXX, and XXXX. 

Gemini Frozen '' Interesting their problem occurred about the same time mine started. I also reported this to the FTC. They recommended I also file with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I applied for a Chase Freedom credit card from Chase Bank ( ref number XXXX ) in XXXX. I have a fraud block on my account. On XX/XX/XXXX, I received correspondence Chase requesting that I release my credit report and contact the bank. I succesffully did so, resulting in a hard inquiry on my credit. Then, on XX/XX/XXXX, I received further correspondence from the bank indicating that I had 14 days to call them to further confirm my identity. I called the phone number provided ( for Chase Fraud Services @ XXXX XXXX more than 25 times in the ensuing two weeks. Each time, I was met with a recording indicating that the wait time to speak with a representative was " greater than 50 minutes. '' On three of these occasions I waited on the line for more than 70 minutes and never got through. 

Note : I eventually went to a branch to see if they could help. I spoke with Ms. XXXX at the XXXX CT branch. She confirmed my identity and then helped me to get through on an internal ( different ) number. After a 30-minute wait and further validation of my identity, I was informed that I would have to re-apply! My application had expired because I had been unsuccessfull in reaching the bank during a 14-day window after I received the second letter.

It seems patently unfair that Chase should accept my application, check my credit ( negatively impacting it ), and then set conditions that are impossible to meet to complete the application process - namely to contact a group within the bank that is so inadequatly staffed as to make contacting them impossible within the time frame provided. I believe Chase has acted in bad faith in this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
BARCLAYS BANK DELAWARE This company was trying to open credit card under my Date : XX/XX/2021 also XXXX Inquiry Date : XX/XX/2021 this one I never authorized

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
I lost my First Progress card over a year ago! I had closed the account after I lost it. They charged me an annual fee, applied it to the card, and then marked my payments as 30 days late in XXXX, and 60 days late in XXXX. I called them, made a payment and explained that I had lost the card and reported it to them. They apologized for the inconvenience and told me to dispute the account! I don't know why they couldn't help me and have made me go through so much! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter 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 non-monetary relief