vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Not a duplicate. Additional new relevant information. I am an individual. This was prepaid by me, and not a third party. 

Discover : You have been notified about an ftc Id theft report. You were provided the report number. It would seem as though I never attached the document. Attached you will find the theft report along with the ftc guidelines as to how you are required to respond. 

When the account was opened there was an fraud alert on my account. You failed to take the nessisary steps to require the person opening the account provide you with unique identification. 

Upon requesting that you provide me with what unique identification you used to identify that it was me opening the account, you were not able to provide any. This account was opened fraudulently. 

You have said that you refuse to respond to any complaints that do not have new relevant information, while ignoring the fact that the account was opened fraudulently without unique identify information, which is required when there is a fraud alert on the credit file. Had you taken the steps to prevent fraud as was requested, then we would not be where we are today. 

You have been notified by XXXX  that this account was the result of identity theft. Per the ftc once notified that there is fraud/identity theft by any cra, you are no longer allowed to report that information to any of the cra 's. That includes all places you are reporting. 

You violated my rights when you did not head the fraud alert, you violated my rights when you reported it. You are continuing to violate my rights by conspiring with the two  remaining cra to not accept the Id theft report. You are suggesting that you will violate my rights by not responding to complaints recieved through the CFPB. You violated my rights by continuing to report the fraudulent account after being notified by transunion that it was the result of identity theft. You violated my rights by continuing to report after having been given a copy of the idtheft report number. And I am very certain there are additional rights you violated, like refusing to return my phone calls after a request for a call back was recieved. ( Yes, you actually responded that you recieved my voicemails more than once, and you decided you do not have to respond, despite the fact that ftc guidelines say otherwise. XXXX  ) Stop all of it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX this is a XXXX  balance and account has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NY

Complaint narrative:
I previously notified TransUnion that I am a victim of identity theft

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 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My consumer rights have been violated by XXXX, Transunion, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.

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 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I used XXXX XXXX to pay an employee XXXX $ for a job, and they did not complete the job and disappeared. I filed a debit dispute with capital one bank for my checking account ending in XXXX and they quickly denied my claim and didnt investigate. They also caused my account to have a negaitve {$1000.00} balance and when I called to try to reopen the claim and provide new information, they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a problem with my PayPal account that they limited my account due to suspicious activity. I called PayPal they said the suspicious activity was when I did a balance transfer from XX/XX/XXXX to my bank account which is on file on my PayPal account which cause a limited access to my PayPal account. PayPal did not send an email regarding to this restriction till XX/XX/XXXX which I initially called due to the limited access. PayPal wants me to submit a photo copy of my I.D . and proof of address to verify that I am the account holder which I told them I refused to sent due to privacy concerns and that PayPal is not a financial institution that having me submit that information PayPal will retain that information. They refused to rid of the limitations until I submit my I.D . and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My consumer rights have been violated by Experian, XXXX, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.

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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I been reported to a credit report company, XXXX  for no reson. 
I never offer to do business with Affirm, represented by XXXX XXXX XXXX 
I never purchase anything but I was asked to do monthly payments which of course I refuse to do. Because that, after 4 months of traying every state in the country, every P.O.Box and not getting the money they wanted they repirted me to credit bureau, XXXX. 

I am srbding this complaint to bureau of XXXX as I need someone to check this scam for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed 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 2021-07-31 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: NY

Complaint narrative:
This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Social security sends both of my checks to my savings account and not a checking account and Wells Fargo bank knows where my checks are deposited in a savings account not a checking account. I have been with Wells Fargo bank going on 3 year 's and like I been telling you all about Wells Fargo bank. Now just yesterday they told me that I don't have a savings account with them and they know that is a lie and I would like to say to you all that after going on 3 year 's having my checks directly put into my savings account and not a checking account I always called them I don't know how to use online banking and I never authorized Wells Fargo bank to sign up for over draft protection. And then after going on 3 year 's if there was a fee that needed to be paid i called them and told them to take {$10.00} out of my savings to pay that service fee that they said that I owed. I never gave them the authorization to sign me up for over draft protection and neither did I authorized them to charge me {$290.00} cents to pay into a checking account. Now it's becoming really clear on how Wells Fargo bank was sued opening up fake accounts forging people name on documents and taking advantage of consumer 's that are XXXX and are on a fixed income and people trust Wells Fargo bank to protect not only my account but others consumer 's accounts as well. And Wells Fargo bank is opening up accounts with out the consumer 's permission. But Wells Fargo bank is still taking advantage of consumer 's. And people are struggling just to make ends meet and we are in a pandemic. And taken money from consumer 's just to make them rich. I have notified law enforcement about all of these issues. And I done what law enforcement told me to do. I must say that Wells Fargo bank has also been sued for discrimination numerous times. And having their bankers to open up accounts with out the consumer 's permission. If Wells Fargo bank has did these things to the consumer 's they are doing these things to the bankers at Wells Fargo bank. These things needs to stop.

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 2021-07-31 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection is reporting inaccurate information to my credit report and XXXX is allowing it. I've sent multiple letters to both to have them correct their mistakes and delete this account. Congress Collection showed no validation but a bill they probably printed themselves. This is ridiculous! 


Congress Collection letter dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian letter dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Student Loan servicer Nelnet is billing 3 payments ahead instead of using standard billing practices and then calling to collect on on amounts that are yet to be due and this is placing an unfair financial burden on borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I was a victim of a Phishing scam text which I have reported to my phone service banking institution as well as my local police department. 

The scammers were able to access my Coinbase account and purchase XXXX dollars worth of XXXX coin which I or my bank had not authorized due to unavailable funds in my bank account. 

However Coinbase pay the scammers through 5 transactions a total of XXXX dollars to an undisclosed wallet. I have been on Coinbase website to resolve the issue however with no avail. Coinbase seized my crypto portfolio I had stores on their exchange in repayment for the money they released to the scammer since my banking institution refused the transaction and they have locked me out of my access to my remaining assets. 

I have a current police report and investigation ongoing along with my phone service claiming I was part of a scam.. 

Please help me if you can!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a business checking account with Chase. When I went in to sign the paperwork and open the account, I emailed my banker a coupon for a {$300.00} sign-up bonus. The banker never enrolled me and despite numerous phone calls, online secure messages and emails, Chase is refusing to take any action to rectify their own mistake. I met the terms of the bonus and am entitled to the terms advertised. The only reason I picked Chase to open my business account was because of the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Capitol Bank has a defaulted account in my name for a Forever 21 store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I purchased a car through Carvana and it has been an absolute nightmare and I wish I could return the car. I have provided a Limited Power of Attorney THREE TIMES. Carvana has lost the paperwork THREE TIMES. I did the first Limited Power of Attorney online through an app that they provided so that I could then get my car registration. They said it was done wrong, which was NOT MY FAULT. It was the notary THEY HIRED. Then they sent me the paperwork via XXXX and I had to have it notarized again, which caused me to have to leave work early. I got it notarized and took it to XXXX. It was received and someone signed for it. Carvana LOST THE PAPERWORK and now they expect me to get it notarized AGAIN. Meanwhile, I am unable to park in my apartment complex because I need the permanent registration to get a parking sticker. I am frustrated and want this fixed NOW. The people at Carvana are inept and they should not be in business. I want this fixed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
ERC has placed a collection on my credit profiles claiming that I owe {$540.00} to XXXX Ive never had services with XXXX I have reached out to this company 3 times ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Kentucky Higher Education Assistance Authority
State: NC

Complaint narrative:
Good Afternoon, I am a single parent of XXXX. I graduated from XXXX XXXX XXXX  in XXXX NC, on XX/XX/XXXX, then XXXX to XXXX ; I took 11 classes at XXXX XXXX  now -- XXXX XXXX XXXX XXXX NC, I have never been able to pay student loans after stopping classwork in XXXX, In XXXX student loan billings started to form, I could not pay and informed to deferment payments in which I have done since XXXX XXXX with XXXX XXXX XXXX I have written and sent in hardship documentation yearly and after I could not pay XXXX XXXX sent my loans to collection agencies, the list is below : All of these was listed on Chapter XXXX BK. 
1.XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX, WA XXXX {$10000.00} and # 2.XXXX XXXX is a registered Business operating as a Debt Collection Agency - # 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX - {$5900.00} # 4. XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX {$10000.00} # 5 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX {$46000.00}, # 6. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, In the years,XXXX, A place called XXXX started sending me bills for SL. 
XXXX Bankruptcy case was entered with the above creditors listed and I was granted a special hardship XX/XX/XXXX, 4/5 years later another company XXXX, 5 years later now XXXX asking for {$94.00}, XXXX which has been granted with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I was harassed and threatened by Exeter Finance LLC that my personal property ( vehicle ) would be repossessed.

Several months prior to sending Exeter Finance Company some paperwork certified mail on XX/XX/XXXX I have been constantly harassed and threatened by phone from Exeter Finance that my vehicle would be repossessed. 
On XX/XX/XXXX I sent Exeter Finance LLC certified mail with the following documents, 1. Affidavit of truth, 2. A Debt Validation Letter, 3. A Cease and Desist letter, and some of the harassing phone calls records. As of XXXX XX/XX/XXXX. I havent received any response to the info that I sent them. 
On Tuesday XX/XX/XXXX around XXXX late evening my wife alerted me that some men were outside in my driveway getting ready to tow my XXXX XXXX XXXX. XXXX in color. I went out to see what was going on. The lead guy told me that the bank told them to come out and repossessed my vehicle. I ask the gentleman to see a repo order. He said he didnt have to show me anything. I also asked if he notified the local police. He then stated that I didnt have to notify them. I told him that I sent the finance company some paperwork, Notice to Cease and Desist, Debt Validation letter and and affidavit of truth. He stated He didnt care what I sent them. He was there to take the vehicle. I tried getting into my vehicle but prevented me from going into my vehicle as he and three other guys stood in front of my vehicle in my driveway. He said the only way that he would allow me into my vehicle is if I would turned over my keys to him. So in fear of not getting hurt from these four guys I gave him my key. He then towed my vehicle out of my driveway on the side of the road to let me get some of my belongings out of the vehicle. I got some of my belongings out of the vehicle. I also took of my license plate off the vehicle. I asked what repo company they work for but they never identified what company they worked for. They hook and chained down my vehicle and left the area. 
On XX/XX/XXXX I got a letter from Exeter Finance Company which says NOTICE FOR PLAN TO SEL PROPERTY.

I called Exeter Finance on XXXX XXXX to ask if they got my certified mail which was signed for on XX/XX/XXXX. The representative stated that they have no records of getting any mail from me. I told her that I sent them certified mail containing 1. Affidavit of truth 2. Debt Validation letter 3. Cease & Desist letter and also all of the harassing records and as off todays date XX/XX/XXXX, I havent gotten any response regarding the matter. She didnt respond to the questions that I asked her. She hung up the phone after I got through asking questions.

Company response to consumer: Closed with explanation