vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed. As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the 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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a couple of letters on XX/XX/21 and XX/XX/21 which the first is over 90 days ago and Equifax is ignoring me and still reporting inaccurate information on my consumer credit report. I have sent multiple letters and all they say is that it is verified. Please tell me that's not breaking the law. They don't send any evidence of it being verified to me at all. They told me they got my information from XXXX but how is that possible unless everyone is reporting false information on my report? Also i never gave them permission to violate my privacy like that. They are violating so many consumer rights here it is crazy. It isn't accurate, they haven't verified it and it is hurting my consumer report and stressing me out. Please help me understand how they can keep reporting false information even after i provided proof that it is false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
So on Saturday XX/XX/2021 at approximately XXXX am to XXXX I was doing online shopping on my XXXX XXXX app on my phone. I had added everything I decided purchase, and completed my order using my cash card from Cash App. I had already added their offered boost of {$100.00} off any purchase anywhere onto my cash card, specifically for this purchase, as I usually have big orders when ordering from this company. My grand total was {$150.00} and right away I had a notification pop up letting me know that the boost had saved me {$100.00} off my total purchase, and the initial charge was {$56.00} to my cash card. So the next day I go to transfer $ from my Cash App to my online games, and it said insufficient funds, so I checked my balance and activity, and all of a sudden, the {$100.00} was gone and the total purchase price went to {$130.00} so I contacted Cash App support. And it has been a nightmare since. Every time I send a message, a new agent joins and obviously doesnt read anything from the previous interactions. They keep giving me the run around, telling me that I didnt have the boost on my card, when I know XXXX well that I did. I have screenshots of all of my interactions with their support team agents, and I also have a downloaded PDF document of my transaction history with Cash App. And if you look at my statement, it clearly shows that I had some sort of boost on my cash card when I made the original transaction, because it shows a cash boost refund to my cash card. I literally am about to lose my mind with them. Theyre rude, they dont do their job, and this is now going to be a second time that Im being screwed by them. I just want them to stand by their advertisements about the boost. I want my {$100.00} back, I was saving that for dog food, and other necessary household items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Opening an checking account with XXXX that I currently have had for 13 years and they denied me for 1 ) too many deposit sent back and 2 ) bad banking relationship. 
Im currently with good standing wuth my current banks and never had any complaint. I called and they said to call XXXX I called XXXX they said to call early warning and neither could tell me what was going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NC

Complaint narrative:
See attached affidavits

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.

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 2021-09-21 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:
I filed a direct dispute with XXXX in XXXX of this year for fraudulent charges on my account. Several accounts were removed from my account. XXXX alerted both agencies of the fraudulent charges. However EXPERIAN is non compliant asking me for a police report for said charges after it has already been proven to be fraudulent. Experian has not removed this XXXX XXXX off my credit report subsequently my credit score has dropped horribly because of their XXXX bias. I spoke with XXXX and XXXX from Experian and neither one of these men were familiar with the Fair Credit Reporting Act. This alerts me for my protection 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 2021-09-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My small business did COVID testing for industry last year. I tried to take my little band of overworked doctors, nurses, and paramedics on a vacation ( XXXX ) when the vaccine came out ( XX/XX/XXXX ). We booked a " featured '' getaway on XXXX  using my Visa card for a {$8200.00} deposit, then discovered there was absolutely no way to attend, the borders of XXXX have been closed for months. ( Now I'm in XXXX I think it was totally misleading to advertise the booking at all, it's really hard to travel here and impossible to get to XXXX and everyone local knows it, the host was really misleading as well ). 

I cancelled the booking months in advance ( XX/XX/XXXX ) but XXXX never refunded, although the listing said 100 % refund if cancelled 30 days in advance when I put the deposit down. 

I issued a chargeback with my bank Wells Fargo, and they submitted it twice to Visa ( Wells Fargo ID # XXXX, XXXX ID # XXXX ) But XXXX  just gave XXXX bad information saying that they were going to offer me a voucher instead and Wells Fargo can't appeal it. 

At the same time XXXX told me on the site that I was being refunded by the chargeback! They continued to show a refund owing until XX/XX/XXXX, then removed the refund from the account XX/XX/XXXX. ( I have screenshots of all of this ). 

I'm totally at a loss, it's basically outright theft of $ XXXX from my small business and my poor staff never got a vacation. I still can't believe XXXX could get away with it and Visa didn't defend me, why isn't the chargeback system working?

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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I reported to chime that my phone was stolen and my account compromised I could not get into my mobile app at time of first dispute well finally the XXXX I could access account or so I thought chime put hold on account for suspicious log in activity finally XX/XX/21 I regained access upon checking my account {$400.00} in unauthorized transactions were made I immediately contacted chime and dispute it not even a full 24 hours later my dispute denied I have a temp to reopen dispute with no luck I missed 2 day of work while account was on hold and I was robbed and chime dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
On XX/XX/2021 I withdrew my funds XXXX gbp to my bank acount via gemini automated bank connection and transfer service. 

As of XX/XX/2021 the funds have not arrived in my bank account. I have sent several support emails asking for the swift transaction reciept and in replacement i have been told in 1 email to see the faq. In another email to see the faq again and in another email i recieved a etherium network address. None of which have answered my request so my recieving bank can try and trace the missing fund and also i have requested gemini to locate the funds also. Gemini now seem to be ignoring my emails. 

Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Coinbase, Inc.

Complaint narrative:
I have several cryptocurrency wallets on Coinbase since 2017.

Since last XXXX, Coinbase has restricted my account and won't let me trade with it, I can't buy, sell or withdraw my money to close my Coinbase account.

It continuously asks to validate the account and I have sent countless photos of my ID and driver 's license, but it is impossible.

I have opened numerous cases to Coinbase support but in none of them I have obtained neither answer nor solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called the company they told me they would close it but if an account is closed why is it showing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have called the company they told me they would close it but if an account is closed why is it showing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XX/XX/XXXX I had a promotional balance end on my Citibank credit card. on XX/XX/XXXX I paid the minimum payment of {$350.00}. After I verified that the promotional rate had ended and that my balance had been moved to the standard purchase rate, I made a balance transfer of {$3100.00} with another card to pay off a portion of this balance that had just been moved to 18.99 %. This transfer cost {$120.00} and went through on XX/XX/XXXX. 
When I received my statement on XX/XX/XXXX I was upset because the transfer had gone to pay my flex loan, which was a 3 year loan that is a part of the balance on the credit card, at a rate of 10.99 %. I immediately called the company to straighten it out. Two weeks later I received a letter in the mail explaining how their payments are allocated, but what they described was not how they had applied my payment. I called the company again. This time I was told that I was in the right, and they would review it. After waiting some time I contacted the company on a chat feature they offered online. I explained my situation to which the bot I was dealing with sent back several nonsensical explanations which were of no use. Finally this evening I called again, as I had received a new statement which indicated that nothing was being done. Again I was told that the payment was not allocated properly, but that because it had already been processed on the flex loan there was no way to correct it. He said that it takes a couple of weeks to process when they move the balance to standard purchase, and I should have waited until I had gotten my statement before making the additional payment, although it is clear they were charging me interest during that time. He suggested that I take advantage of a balance transfer offer that I had on the card, and then use the money to pay back the higher interest portion of my balance. They still are charging me the 3 % fee on the roughly {$6500.00} transfer, over {$200.00}! I did agree to this transaction, as it seemed the only way to fix my problem. Prior to getting off of the phone the man said that he was happy that they could resolve my problem, to which I replied that they had solved my problem, that they had admittedly caused, completely at my expense, that the company had not stepped up to help me in any way, that what they had done was illegal, and that I was going to file a formal complaint. He seemed reluctant to let me go, but I don't believe he was in any position to offer me any help. I know this is small potatoes, but I estimate that it cost me a few hundred dollars in fees and interest, and the bank is profiting from it's own illegal action.

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 2021-09-21 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: IA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I have tried to dispute world finance every since I've seen it on my credit report I did not open a pay day loan from them my actual loan is from security XXXX XXXX which who is no longer in business in the state of Illinois do to the law the state governor pass in XXXX which was supposed to reduce high interest rates and fees I have pretty much paid off this loan during there closing they sent out letter 's saying that they are no longer in business can't take payments so I look up World Finance sent me a letter saying I opened an account with them which is actually XXXX XXXX XXXX XXXX account that they sold to them and no they're forcing me to pay them and they have tremendously hurt my credit score I did not open no loan with them period world finance I have tried to upload the letter 's saying that they are no longer in business and it keeps coming back that I owe world finance and I opened a secure loan with them and I'm pass due 30 days if you notice I pay my bills on time I have some debt but needless to say that they're hurting my credit score with sending my stuff over to World Finance I did not go anywhere finance and apply for a loan I did not find any paperwork for World Finance anything in that nature my loan came from XXXX XXXX XXXX  which is known as if XXXX and they are no longer in business so I am trying to figure out how can they damage my credit like they are and the laws has changed the loan is paid for basically I got this long almost 18 months ago I paid {$150.00} a month all the way up until XXXX and I started this this loan in XX/XX/XXXX XXXX of XXXX governor XXXX XXXX pass the law for these loan companies which force alot out of business due to extreme high interest rates and over charging minorities and low income people with low credit score high interest that was told to be corrected and has to stop now I'm being put in a situation where they is affecting me and my lively hood I am going to reach out as well to the governor of Illinois regarding this matter and I need someone to look further into this because it's wrong and it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation