vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: TX

Complaint narrative:
I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my Transunion and XXXX  XXXX reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, XXXX. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX  credit reports. 

Additionally, XXXX and Transunion are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my Transunion credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my Transunion and XXXX  credit reports.

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 2021-04-30 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: TX

Complaint narrative:
I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX and Experian XXXX  reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my XXXX and Experian credit reports. 

Additionally, XXXX and XXXX are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my XXXX and Experian credit reports.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
So on XX/XX/2021 XXXX XXXX XXXX  i was informed from my wife when she was looking on experian they have my personal stuff on there without my consent and without law enforcment consent ... .so wIth them posting to there websites my street address age birthdate name all that has put my life in jeapordy plus now puts my wife in jeapordy due to her XXXX XXXX and such im very XXXX off about it i dont feel XXXX safe now companies dont understand how they put a persons life at risk when they pull a XXXX stunt like experian and others ... .experian has absolutley no right to do what they now had done and they are not law enforcment agency.they are defaming my name plus they are not even in the same XXXX state i want this addressed immediatley and i am very very serious to be calling my attorney i am suing experian for defamation of character and hardship plus many more TAKE MY INFO AND BACKGROUND OFF EXPERIAN AND OTHER WEBSITES CONNECTED AND THERE IS A LAWSUIT COMING TO EXPERIAN AND THERE AFFILIATES EFFECTIVE IMMEDIATLEY!

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America to report the fraud. There is a charge of {$7.00} posted to my account on XX/XX/2021 with the description " XXXX XXXX XXXX NY ''. It is already pretty apparent that this is fraud, because if the newspaper subscription was from a company like XXXX or XXXX  XXXX, it would actually mention the name of the company in the description of the charge. Here, it just says XXXX XXXX XXXX  without mentioning the name of the newspaper. I tried calling the number given in the description, and what happens is that, for a split second, it looks as if someone picks up the phone, but then the call gets immediately hanged up. Bank of America told me that they were going to issue me a refund and send a new credit card, but I wanted to report this incident, because after making some XXXX searches, I saw that I was not the only one who was targeted! I saw some forum posts, where other people describe a similar issue. It also looks like they are pretty smart about who they are targeting : they seem to be targeting only people who actually have some sort of real newspaper subscription ; my guess is that they are hoping people would just not notice the charge on their account, or would notice but gloss over because they do have a real subscription after all. THIS LOOKS LIKE A SOPHISTICATED ATTACK. PLEASE DO GO AFTER THEM. PLEASE.

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 2021-04-30 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 weeks 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: ID

Complaint narrative:
in XXXX I was caught up in the XXXX identity fraud and did my best to clear up all the problems after XXXX XXXX XXXX agreed that the debt was in fact not mine and I never heard from them again now comes XXXX and I am starting to get collections calls and letters from a company called National Credit Adjusters trying to collect this debt, I have informed them that they have bought a fraudulant debt that I have proven was in fact fraud, they refuse to listen. As per my credit report this is the information I have on the company National Credit Adjusters XXXX. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX ph # XXXX and the account number they list is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting false information about my accounts ; my payments and dates, and amount of my loans and credit. They are reporting my XXXX hasn't been paid since XX/XX/XXXX ; I am current and up to date with XXXX  and I have proof. And I would like to add XXXX more thing. XXXX doesn't report to Experian about my monthly payments. My XXXX bill is current and up to date I have proof. Experian is reporting i had not made a payment since XXXX XXXX. My XXXX card ; Experian is reporting that I have not made a payment since XX/XX/XXXX. And they claim I need to make 3 more payments before they can give me a boost in my credit. Which I have proof is current and up to date. Experian webpage reports my credit is XXXX however my XXXX XXXX is reporting XXXX. My XXXX XXXX is reporting XXXX and they are all getting their information on Experian and i Have proof. My XXXX XXXX account XXXX XXXX of {$17000.00} Experian is reporting it as {$18000.00}. They have inconsistent report of wrong information on my account. I would appreciate it if you could look into this for me and correct all the incorrect information they fail to accurately report which is affecting my score as a Consumer.

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 2021-04-30 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 on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It has XXXX dollars. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after 180 days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: ID

Complaint narrative:
I was part of the identity theft from XXXX  back around XXXX, I've spent a lot of time clearing things up but had trouble with one company called XXXX. I contacted them by phone and letters requesting all information on the account ie ; when was it opened, name address etc ; informing them that I don't beleive that this was my account. I waited 30 days then contacted them by phone and mail and did so for the next 4 months when I finally got the answer that they couldn't be bothered with it, It disappeared off of my credit report. Now come XXXX and I start getting calls and letters from a company calles NCB Management trying to collect on this debt, I informed the company by phone and mail that they bought a fraudulant account but they keep pressing me. The information I have on the company is what I got off of my credit report. NCB Management, XXXX XXXX XXXX, XXXX, PA, XXXX ph # XXXX and the acct # is XXXX, this is all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I purchased a graphics card from an individual on XXXX marketplace on XX/XX/2021 and paid them through XXXX. The item he was supposed to send he sent a picture of and what I received was a box that was too small to have had the graphics card in it. I will attach pictures to show the difference in what was supposed to be sent and what I received. I contacted chase bank and they refused to dispute the charge or do a charge back for the amount of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
. I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The CFPB closed my complaint because, it said, the bank replied to my complaint. There is another person living on my street that has the same complaint with the same bank, so the problem is, very likely, wide spread. 

The complaint is that it is not possible to close a BBVA account. Withdrawing all of your money, and that is an arduous process, only puts the account below minimum balance, which triggers fees, which triggers collection agency action against the depositor after a few months of accrued fees. The bank has written an excuse, but they will not put that in writing to the depositor, only to the secret web account of the depositor at the CFPB web site. 

It should be illegal for a bank to open a closed account, for any reason, without the depositors signature on documents opening an account, or to reopen a closed account, for any reason. If there is such a law, then CFPB is refusing to enforce it. 

The federal government says that they caught XXXX XXXX doing this, and fined them. BBVA says that they are smarter than XXXX XXXX, and can get away with this. The CFPB lack of action on BBVA proves this assertion true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, our mortgage company ( Nationstar dba Mr. Cooper ) for two of our properties, withdrew 10 unauthorized ACH transactions totaling {$28000.00} from our bank account with XXXX. They reversed the unauthorized transactions by end of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Carter-Young, Inc.
State: SC

Complaint narrative:
Last year on or about the month of XX/XX/2020 I received a copy of my credit report from XXXX and I also received a copy of my credit report directly from XXXX  XXXX XXXX XXXX XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with XXXX  XXXX XXXX XXXX XXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both XXXX, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

XXXX, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, XXXX  refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : My son, XXXX XXXX XXXX, invested {$150.00} in XXXX through a company called Coinbase. He had told me about this approximately two years ago. However, I never much thought about it. My son died XX/XX/XXXX, of XXXX and his fraternity brothers reminded of this investment. They found the app on his phone and since I had closed both his checking and savings accounts, they attached my checking account to the Coinbase account. When they tried to transfer the funds into my account, it didn't work. 

I contacted Coinbase by email and they responded on XX/XX/XXXX and told me the docs I'd need to upload and I uploaded everything successfully on XX/XX/XXXX. then I waited to hear from them and after four weeks I tried to contact them. Now, I thought it was strange that they didn't have a direct phone line, so on XX/XX/XXXX, I emailed them, only to discover that they had XXXX their direct email. I also emailed their customer support and got no response. I uploaded the docs again on XX/XX/XXXX, to https : XXXX. I told them I wanted my son 's money transferred by wire or they could issue a bank draft. No response. They have an address in XXXX XXXX, but I didn't write there as I thought it would be useless because they're not responding to me anymore. 

I contacted the XXXX. and XXXX XXXX XXXX suggested I contact your agency also. My son 's account appears to be open, eventhough it seems to fluctuate quite rapidly. I don't know what to think since I can get no response from Coinbase, but I'm very suspicious of this company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: The Bureaus, Inc.
State: TX

Complaint narrative:
As of today XX/XX/XXXX Ive tried unsuccessfully to get in contact with the collection agency called The Bureau. Ive called several times and left numerous messages regarding a derogatory account listed on my credit report. This account was opened on XX/XX/XXXX with a balance of {$720.00} and the originator being XXXX XXXX Bank. I have had no contact what so ever with any representative from The Bureau nor has anyone from The Bureau tried contacting me before reporting this information on my credit report. I have no standing signed contract between myself and the Bureau and I have never done any business transaction with any employee of the Bureau. This account has a negative impact on my credit history and is by all means a defamation of character. This account also goes against the rules and regulations set forth by the FCRA to protect clients and their personal information from slander and misappropriation. I would like The Bureau to remove this account and its information from my credit report and be prevented from reinserting it at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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