vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. CONSUMER ADJUSTMENT CO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: AZ

Complaint narrative:
No information, dates amounts or other wise have been disclosed in writing about this debt. This is an attempt to collect owed money for two text books from what I recall. When the debt was in my account I prior to being sent to collections it showed as a negative in my student finances. Around the time of the negative charge I had a scholarship applied to my account of a few hundred dollars from my school, creating a wash out and covering the charge. After that I was contacted via email about the collection ( no calls or letters ) in attempts to get payment. I submit documentation of my applied scholarship and no negative charges or balance dues on the account to no avail. This was on XX/XX/21. The most recent reply from them was this month on XX/XX/21 almost three months later. They gave me a 10 day notice for more documentation and I requested a detail of the debt in writing, it is a week later and no reply. Can I get this debt cleared altogether for the lack of communication and never receiving certified mail from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to Transunion through a certified mail on XX/XX/2021 to remove a name that is inaccurate. 

Also I received a report from Transunion and found inaccurate employers on my report which I have not heard from them. 

The employers names are as followed : XXXX XXXX XXXX The name I can not share here as it is personal information from me, but the sent a report back highlighted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
This complaint is like many others. Due to my account not getting verified I cant move it or withdraw it. Emails go unanswered and phone calls reach no one. They also advertise 2-5 days, but thats simply not true. This complaint is like many others. Due to my account not getting verified I cant move it or withdraw it. Emails go unanswered and phone calls reach no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX, my PayPal account was taken over by an unknown individual. The individual transferred over {$5000.00} from my bank account a XXXX XXXX XXXX XXXX to PayPal. The individual then transferred the cash into Bitcoin and transferred the bitcoin back to cash to a debit/credit card not belonging to myself. I immediately noticed the activity and contacted the bank and PayPal to make them both aware of the fraudulent activity occurring in my account. PayPal eventually block the account and issued credits back to me in the form of Bitcoin for several of the fraudulent transactions. I appreciate the credits however the unknow individual used cash from my account to purchase Bitcoin. PayPal acted as though I had made the transactions on my PayPal account and issued credit back in the form of Bitcoin as though I purchased the Bitcoin. The main problem with this is that the credits don't match the transactions within my bank account, and PayPal has never provided an accounting of how the credits were issued. Two transaction for {$910.00} and {$400.00} where disputed directly with my financial institution and temporary credits were issued ; however, those credits expired after 1 month. Neither PayPal or my financial institution has taken ownership of those two transactions and continue to point the finger at one another. PayPal claims that my bank issued permanent credit. I have attached the banks statement to PayPal in which they show that a permanent credit was not issued only a temporary credit for the dispute. I read online that it is a a common banking practice for a temporary credit to be issued during a dispute. I have spent countless hours attempting to get my money back for the remaining two transactions. Multiple cases have been set up and closed and many phone calls have been disconnected or not returned. I immediately made everyone aware of the transactions so that they could be stopped and instead months later I am still fighting to have my money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 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: MD

Complaint narrative:
Submitted dispute with Experian regarding new alleged collection account added from XXXX XXXX XXXX XXXX. Asked that collection be validated by collection agency producing a written contract proving the debt actually belongs to me. In less than 24hrs my Experian dispute was closed with out producing any contractual documents from XXXX XXXX. Experian did not do their due process in ensuring the claims from XXXX XXXX are in fact accurate. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that this is my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I wired the money ( USD XXXX ) to my International account ( XXXX, XXXX ) through their Correspondent bank XXXX XXXX on XX/XX/XXXX. After many follow ups, I understood that XXXX has returned the fund to PNC through XXXX XXXX on XX/XX/XXXX. The reference details were provided to PNC operations team in the week of XX/XX/XXXX. As of today XX/XX/XXXX, PNC claims that they have not heard from the beneficiary bank ( XXXX  ). 

My USD XXXX is out of my account for almost a month and not sure when its going to be either refunded to my account or delivered to my beneficiary account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: IN

Complaint narrative:
I received a card with my first name and last name on a direct deposit debit card card from netspend. I looked up the company and they send all these people these cards which make it easier for identity theft. I have not activated the card due to high suspicion Im very uncomfortable that they send these cards with routing numbers, my name and possible access to other things I dont know about The picture attached also, i covered my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received a letter from debt collector and I have no idea of what about because I have never had that kind of service. I was wondering how they have my information ( address, and my name ) I think this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Hello, on XX/XX/22 I made a crypto currency transaction to a Coinbase merchant and the Coinbase merchant has turned out to be a fraudulent entity. I have submitted a ticket with Coinbase, attempted to call them and reached out to them on XXXX and XXXX and have receive no response from them at all indicating they are looking into the issue or have any intention or investigating the matter. 

The fraudulent company that received the payment is XXXX  : XXXX and they are unreachable as well since the payment to them. 

The transaction was for XXXX Ethereum which at the time was about {$20000.00} in cryptocurrency. 

I am seeking Coinbase to reimburse me for the amount of Cryptocurrency lost due to the fact that the fraudulent website was a Coinbase merchant and had they not been an authorized Coinbase merchant. There has to be responsibility on Coinbase for authorizing the fraudulent website to become a Coinbase merchant and further allowing the illusion of a legitimate website/organization.

The official manufacturer website for the product I thought I was buying has the fraudulent website listed as know scam on their website which I found after the attempt purchase. XXXX : XXXX ( red text section near the bottom has XXXX XXXX XXXX listed as a scam ) The Coinbase reference number is below as well as the transaction details Coinbase Commerce Reference # XXXX The XXXX Ethereum is a very large amount of money for myself and I desperately need to recover the funds, any assistant would be appreciated as Coinbase has been unreachable to this point. 

Please let me know if there are any questions or if anything else is needed from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a product that I never received, the seller said he never received the money, my bank verified he actually received the payment. I tried to open a claim with my bank chase and literally they said nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
After receiving an email advertising apple XXXX XXXX cases at half price from a company by the name of XXXX, I placed an order for 4 cases on XX/XX/XXXX ( 1 for each member of my family ) using my Apple Card. Total price was only {$120.00} The company, XXXX, never sent me the cases. Further their website was shutdown and there are numerous comments online about the company being fraudulent - portraying itself as being part of xfinity but never shipping anything to anyone and not actually being part of XXXX. 

I have since tried to dispute this charge with my Apple Card by Goldman Sachs. Despite submitting the only info I have multiple times and pointing out that the XXXX  website was shutdown and that the company was a fraud, Goldman Sachs has opened a dispute, credited the charge and then reversed the credit in the favor of the vendor 3 times. On XX/XX/XXXX, they finally sent me an email letting me know that the dispute had been decided in my favor but they had already reversed the credit. When I initially called to ask and them to credit the charge, the agent apologized that it had not happened and told me that she was escalating the issue to her supervisor and that it would be taken care of right away. I called again this past Sunday and the same thing happened - Apology, filing a report, it will be adjusted and you'll get a call from a supervisor, very sorry. 

Yesterday, I once again called and the agent told me that the email stating that the dispute was resolved in my favor was in fact an error and that we could once again start over and contest the charge ... I can't make this stuff up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: CO

Complaint narrative:
I received a call on XX/XX/XXXX from this debt collector saying I owed money from a past due in a state I used to live in. The lady I spoke to over the phone told me she would send me a letter from their company and I never received one, so XXXX comes around and they call me again. I say I have never received it and the same lady tells me there is nothing she can do and that she can not send me another one. She offers to let me sign in their payment portal and I get disconnected. I tried to call back but this time a male answered. This was on XX/XX/2021 at XXXX XXXX  MST. He then asks if I have a friend I could borrow money from to pay this debt. I hang up because I cant believe that was said. I manage to call back and get the same collector employee who was handling my case. I was able to login to the portal and see my total amount. The amount due keeps getting higher. I decided to write a letter to get this debt validated. Since then it has been more than 30 days and no one has tried to contact me to validate my debt and the amount I owe just keeps getting larger and larger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21 I filed a complaint to Experian because there was inaccurate personal information on my credit report. 

XX/XX/21 Experian said they needed my authorization because of a third party? but I am the one who sent the complaint XXXX I got it because I sent a letter on XX/XX/21 about the inaccurate personal information to be remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I XXXX XXXX received a letter from MRS on XX/XX/2020. The letter which will be attached show 2 violations of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) which violated my rights as a consumer with the logo being present and also saying this was a attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CO

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I have already attempted to contact Ad Astra, XXXX, and XXXX about this account. 

1. Date opened is inaccurate.

2. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.

3. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.

4. Ad Astra is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that XXXX  and XXXX  is allowing AS AStra to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I entered a consumer credit transaction with COMENITY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CO

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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