vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I received a notice from the state of Texas that Western Union had turned over a money order payable to me in the amount of {$2900.00}. I am unable to collect it through the state of Texas 's unclaimed funds program as I do not have a copy of the original money order per their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: MN

Complaint narrative:
I am insulted that Experian said in my last dispute that I had a credit repair company respond instead of me. I have attached my identifying information to this complaint. Experian is playing games. If they dont want to be sued they will comply and stop breaking the Fair Credit Reporting Act. I have sent disputes since XX/XX/XXXX and get no response back. I have attached proof Experian has removed this account back in XX/XX/XXXX, so theres no way for it to be added back on without following the FCRA laws. 
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a deletion for violating FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). Under this FCRA law, Experian was required to notify me of the reinsertion in writing within 5 business days. I received no such notification from Experian. Experian has been non-compliant. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. Experian continues to verify this account thats not accurate and unverifiable. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act.

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 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I sent out a Debt Validation letter to Dynamic Recovery Solutions for a medical collection on XX/XX/XXXX. After I sent out the Debt Validation letter I then received a letter on XX/XX/XXXX from Dynamic Recovery Solutions which failed to validate my debt. Instead they send a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: TX

Complaint narrative:
Dear Equifax, To whom it may concern ; i am challenging the incorrect information provided on my credit report and request immediate deletion. Equifax violated the law by reporting a monthly payment on a closed account, reporting incorrect past due amount on a closed account ( there should be no past due amount on a closed account ), and reporting a past due amount on a collection account. I want these accounts deleted from my credit report immediately. 


On the week of XX/XX/2020 i signed up for online monitoring and noticed Equifax is reporting incorrect information on my behalf. I reached out to Equifax for the first time via USPS certified mail with tracking number XXXX. 
Equifax responded with a letter informing me they needed an additional 15 business days to investigate. Keep in mind Equifax is reporting an incorrect name and is using my full legal name as an alias. There are accounts that have different names, social security numbers, and incorrect addresses that Equifax " verified ''. I know that there has been no investigation conducted because i have been getting letters with different names and incorrect accounts. Equifax mailed me a letter with the incorrect name and notified me these accounts have been " verified '' and the investigation is closed. 
I mailed a copy of my drivers license, passport, social security card, and car lease statements with my correct mailing address and name. 

Who is verifying this information? Did Equifax follow FCRA law and conduct an outside investigation? No. I asked for documents that i am legally entitled to for verification and Equifax could not even find a single document linking me to these accounts. I reached out another time on XX/XX/2020 with USPS tracking number XXXX. 


I asked Equifax to update the information and remove all other incorrect names. 
In addition Equifax is reporting incorrect credit limits, incorrect comments, and monthly payments on closed accounts. Is this against the law? Yes and Equifax needs to be fined {$1000.00} for each account they are reporting incorrectly on my behalf. 
I ask Equifax to delete all the incorrect information off my credit report and correct my personal information. I do not want a response unless it's parallel with the FCRA. You can not " update '' a fraudulent account because it is not 100 % correct and therefore according to FCRA Equifax is not allowed to report this account and must delete it. Is this information is not deleted from my credit profile i will pursue a lawsuit against Equifax by using the documentation i have against Equifax. 

I have begun attached a copy of my communication complaint to the attorney general of Texas about Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FL

Complaint narrative:
I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX  {$7800.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : Midland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 XXXX XXXX Visa {$1400.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXXdland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Again, afraid to feed into a scam. 
XX/XX/2020 XXXX XXXX XXXX {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
Since I open account I have problems. When cryptocurrency is high and time to sell coinbase website is not available but now complicity locked out of my account. Can ; t log in and coinbase wont reply back to my emails. Who gave them right to lock me out of my account this is criminal organization and they need to be stooped.Since I'm locked out I start reviving phishing emails and I never got those pretending to be coinbase. my dispute is over {$120000.00} since tha 's how much they cheated me out/ Now I don't even know if If I have any founds in my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. Hard inquiries should be removed based on the FCRA violations.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: FL

Complaint narrative:
I am having multiple problems with this account. I have attempted to reach out to " XXXXXXXX XXXX '' multiple times by e-mail and telephone. The e-mails are mostly copy and paste replies that don't do anything to solve my problem. They have tried to call me but as they never set a time to call, so we're unable to connect. I have tried calling the number listed, but can't get past the automated voice prompts. The voice prompt does not accept my Social Security Number, and then the voice prompts go in circle and eventually disconnects the call. 

Problem # 1, and the main reason why I am filing a CFPB complaint. I was promised a {$50.00} bonus when signing up for a XXXX XXXX  account through the referral. I met the requirements of activating the card and initiating a direct deposit. The {$50.00} was not credited to my account. I am extremely disappointed about this. 

I used to open my account on XX/XX/2020. This is the link that I used : XXXX XXXX XXXX Problem # 2, XXXXXXXX XXXX  is the only bank I've ever used that does NOT accept my phone number. I tried entering it but it does not accept it. I used a friend 's phone number to sign up. Therefore, the number on my account is not even a valid phone number for me. 

Problem # 3, Their phone support system is completely broken. Every time I tried calling, it first prompts me to enter my Social Security number but then it does not accept it. I am unable to reach anybody. Even when I don't enter any numbers.. eventually the call just disconnects and I am unable to speak to anybody.

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 2020-11-24 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: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

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 2020-11-24 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: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Experian on my behalf, with no response from Experian. also i disputed with Experian 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

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 2020-11-24 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: FL

Complaint narrative:
I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX  {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.

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 2020-11-24 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:
I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear CFPB I used a company to manage my property in XXXX XXXX. With my permission I told the owner to open a PayPal account to receive payments from XXXX XXXX. Because she was managing the account, she used our both information to open the account with my permission. Little did we know this will turn into a nightmare for both of us. 

For 4 years Paypal has been holding on to my money, I was not able to get into the account because we could not remember the password. After much looking, we finally were able to get into the account. I went in and tried to send the money to my bank card and it was denied, I tried to send to my bank account it was denied. 

I was able to pay the property manger {$500.00} dollars, except she found out that Paypal took out the money from her account, instead of depositing money to her account. I wrote to pay 27 times to get help, they kept on locking me out and requesting that I upload documents. Last week I uploaded documents and still have not heard from them. Attach you will see the request for documents and you would see the documents were uploaded. I've been working with my property manager to reach someone at Paypal and we can not get help from Paypal. I kept writing to them and they kept giving me all sought of responses making no sense. 

The property manger XXXX XXXX was able to reach out to Paypal attorney on XXXX, who responded with her email address and asked me to write to her, I sent her 10 emails and she never acknowledge one. Sent to this email address she XXXX I am requesting your help in getting my money, I hate this company and I hate what it's done to me. I am a XXXX XXXX in XXXX, If I was a XXXX person Paypal would never have done this. One day on the phone the agent told me that this sounds like fraud. 
I am a very accomplished XXXX in XXXX XXXX. If I was committing fraud, it would not be trying to collect {$7500.00} from Paypal, I would be looking for millions of dollars. What a XXXX thing to tell someone in the climate we are in. Attach is my Id and social security number for proof it's me. 

I will never used Paypal again, And yes I want you to published this and send to the FTC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
XXXX XXXX is a part of XXXX it is a cell phone service that they establish within their company that people could use actively alongside with a cable and Internet service. However unfortunately XXXX does not offer payment arrangements split pay options they only require you to pay the full balance of your monthly service plan and any device payment agreements. I unfortunately got laid off of my job in XX/XX/2019. I immediately contacted XXXX between XXXX and XX/XX/2019. I spoke with supervisors managers customer service representatives who told me the same thing they answered no. They told me that I could switch to their {$15.00} for every 1 GB plan and just monitor my use, be around Wi-Fi consistently or turn off my phone whenever I wasnt on it -- which no one ever is actively thinking to turn their phone off on a consistent basis. I merely told them to cancel my service. They then told me that since I am doing that that they were going to charge me for my last service plan plus my remaining device payment balance and any other taxes surcharges and fees I said OK. The last statement which is reflected through XXXX XXXX shows a balance of only {$1000.00}. I dont know when I first received a letter in the mail from the collection service originally was sent to XXXX XXXX XXXX and they stated that my balance was {$1300.00}. It is now in the hands of GC services Limited partnership with the same balance XXXX. Where are they getting the other {$310.00}?!? If it was because it was sold off to a third-party collector I never received anything in the mail explaining why it accumulated to that amount. I just received hey you owe XXXX you have 30 days to dispute this letter otherwise were going to report it on your credit! Oh here are your options to pay the whole thing!! 

I think it is just beyond ludicrous that I did my due diligence in trying to set up payment arrangements, payment options so as to not get my service canceled and they wouldnt budge they wouldnt allow me to do that they wouldnt allow one exception and because of this I now have this huge debt which I didnt ask for which I tried to avoid like what type of system is this and then to put it on someones credit report?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation