vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2021 RE : You violated the XXXX XXXX Code Law THIS IS XXXX XXXX. THE REAL XXXX XXXX. I included my XXXX XXXX card because nobody would have access to that but me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY HELPING ME PREPARE THIS DISPUTE LETTER SO PLEASE DON'T EVEN TRY IT. i contacted the FTC about some fraudulent accounts and inquiries that I did not authorize. I attached a copy of the ftc report # XXXX to this letter so you kknow it's real. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt and not a day later. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them FAST!! 
aka fastly. 15 USC 1681n defines XXXX liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter. AND ALSO This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THis DEBT OR INQUIRIES listed. Please remove all fraudulent accounts as I have no know of any of these accounts due to that big ole Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around i beg of you. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please update and/or delete all accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: PA

Complaint narrative:
CMRE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX CERTIFIED XXXX RECEIPT # XXXX XXXX : Dispute of alleged balance ; Account # : XXXX XXXX XXXX Dear CMRE : You are reporting and attempting to collect an alleged $ [ 41,675.00 ] balance. Attached you will see through my complaint from the CFPB that you stated this would come off of my credit. You have held up my attempts at obtaining credit for myself and family. Accelerate your means of removing this off of my Credit report. Please be advised that I dispute the legal validity of the alleged balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX. The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue. 

Sincerely, XXXX XXXX ( P.S. Please see attached copy of my ID and proof that it still on my credit. ) Email : XXXX XXXX : XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hi, sir. My name is XXXX XXXX XXXX. I'm XXXX XXXX XXXX and United States Rasident. Paypal closed my account for no reason and i don't know how to fix the problem. I believe something i did was wrong but without any reason or without any warning they closed my account with XXXX XXXX dollars in this Pandemic. I don't know how to reach them and release my account but i know CFPB can help me. Because they aren't doing the right thing by closing my account Without any reason and holding my money for XXXX XXXX. And i need this account badly. Please help me Out. I know something i assume was wrong but please i beg pardon and mercy for my account. My Paypal account name is XXXX XXXX XXXX and Email of the Paypal is XXXX. Thank you so much..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: SC

Complaint narrative:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX XXXXs ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
United Wholesale Mortgage is still over charging me {$500.00} on my monthly mortgage payment, after I satisfied the escrow as a result on increased property taxes and insurance. Since XX/XX/2021 I have called UWM over XXXX times accumulating XXXX plus hours of my time and requested to speak to a XXXX on multiple occasions. Every time I end a call I make sure the the representative has notes detailing our conversation along with the necessary resolutions steps that need to be taken. The representative then says they have opened a ticket and my payments will be corrected in XXXX business days. I then log into my account on the XXXX business day to see that the payments have not been corrected. There is now {$10000.00} worth of reversal transactions and I don't know where the money went. The over payments are causing my checking account to go into the negative. UWM clearly does not have the proper controls and monitoring in place to resolve customer concerns and the Government needs to audit them. I work in risk and none of this is acceptable. I still have not talked to a XXXX at XXXX yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Hi, I have a coinbase account that I've been actively checking on my mobile device for over a year and it has 2 factor authentication setup. I was automatically logged out of my device on XX/XX/2021 that displayed the login screen. 

I reset the password only to receive an auto generated email that says my device is not recognized as authorized. I wasn't sure what that meant or what I need to do next but responded to that email and have been submitting requests since then to no avail. I got a general response to most every email except one that asked me to confirm a series of questions that I answered saying yes I'm using the same phone, same number, same email, have forgotten the password and need to reset and that I was really concerned why it logged me out and why I can't reset. Mobile app allows the use a pin code for quick access and so I was using that and never could have thought it would not let me reset the password. 

After 30+ attempts of password reset from multiple browsers and devices and password combination, submitted multiple tickets as I wasn't hearing anything but the auto generated email saying 4-5 days before someone will reach me to conduct a security review and if I've a webcam and what not, tried reaching them on XXXX coinbase support and coinbase and have not gotten any response to resolve. I'd have never thought I couldn't reset my own password especially when I setup the 2FA. 

I'm really unsure as to what else I need to do so I'm coming to this as a past resort to get your help. 

Please let me know how I can get them to help me reauthorize my device to reset my password. 

Warmest Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a account with Home DepoXXXX who was funded by Citibank. I had made a couple of late payment from XXXX XXXX from XXXX due to lossed hrs at work but always paid. So l started making extra payments starting XX/XX/XXXX Im amount of {$160.00}, {$320.00} on XX/XX/XXXX and called to make {$120.00} on XX/XX/XXXX. I visited Home Depot to make a purchase and it was declined, knowing l had available funds to purchase. From there l called in to make another payment of {$120.00} on XX/XX/XXXX ( but didnt cause l was informed of my account was closed ) to an automated system for payment for it to inform me that my account was closed on XX/XX/XXXX. I was confused and aggravated. I reached out to customer service rep named XXXX on XX/XX/XXXX to ask was why was my account closed and she stated that she didnt know because she saw were Ive been making payments, XXXX researched because she didnt know why, then directed my to XXXX  numbers @ XXXX, XXXX, XXXX, XXXX, XXXX, went to customer service rep XXXX id # XXXX all on this day totaling XXXX hrs and still no answers why they closed my account! So l called next day XX/XX/XXXX and spoke with XXXX and others from XXXX pm est to tell me it was closed and they dont know why. I NEVER was informed of my account closed not once and they called every month for payment which l paid as if it was still open. All these calls were recorded. I was humiliated, misused, aggravated and l stated they had committed negligence on behave of my account and l would be suing and not making anymore payments until further notice. I have billing statements starting as if my account was still active, interest and late fees still occurring even after account being closed for more than XXXX months of me having no knowledge. I contacted a attorney and advised me that this indeed was negligence on Home Depot/ Citibank behalf. I didnt pursue the attorney due to job hours and COVID 19. Now the account has been sold to XXXX XXXX now XXXX XXXX and l was contacted by XXXX @ XXXX ext XXXX on XX/XX/XXXX l stated what happened and Im taking alternative actions for this matter. Can you please help because this is not in compliance with the Fair Credit 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 2021-04-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX reported an inaccurate XXXX late payment on my XXXX Credit file/report. After the initial investigation, they are still reporting this XXXX late payment on my credit file/report, which should not be there. XXXX have fixed the issue and XXXX have fixed the issue, but XXXX refuse to update my credit file and remove that inaccurate XXXX late payment that they put there in error. I have contacted the Toyota Motor Credit, which is also the financing for Lexus XXXX, and they have told me that they did not report any late payment to the credit bureaus. In their system, it shows that they did not report it, and in their systems, it shows pays as agreed, never having a XXXX or XXXX late payment. They told me that it was a system error on the credit bureau 's end, which needs to be updated and cleared up. I need for this to be corrected because this XXXX late payment is negatively affecting my credit rating with XXXX and I am very upset about this matter. Please have XXXX remove this XXXX late payment immediately. My next steps will be taking XXXX to court and filing a lawsuit, seeking damages for negatively affecting my credit rating and for violating The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for Equifax and XXXX, which is a public record, XXXX,, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX  came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in ( UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for XXXX  and TransUnion, which is a public record, XXXX, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in XXXX UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX  cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, 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 2021-04-26 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: AZ

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts to be deleted immediately 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that a debt collector may not engage in any conduct the natural consequence of which is to harass oppress, or abuse any person in connection with the collection of a debt.

Midland Credit Management has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope.

The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications. 
4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.

5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money.

6. May not contact you if you have informed the collecting agent that the debt is not yours. 
7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure.

8. May not make false statements in an attempt to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that a debt collector may not engage in any conduct the natural consequence of which is to harass oppress, or abuse any person in connection with the collection of a debt. 

XXXX XXXX XXXX has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope. 

The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications.

4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.

5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money.

6. May not contact you if you have informed the collecting agent that the debt is not yours.

7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure.

8. May not make false statements in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation