vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from National Credit Adjusters regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I acquired a credit card from XXXX ( XXXX ) two weeks ago to make a down payment on a XXXX timeshare. This card was recommended to me by XXXX during the sales process. Earlier this week, I received paperwork in the mail for my " XXXX XXXX XXXX XXXX '' with my account information and instructions for how to pay online. However, when I try to create my account online using the directions provided, I keep receiving an error message stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I called the company yesterday and an employee had me walk through a couple of troubleshooting steps. After putting me on hold, they came back and told me there is a known issue with the website and to try again later in the day. I have now tried at least 20 times, both yesterday and today with no luck. I would like to pay my card in full, but their technical issue is preventing me from doing so timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
CFPB already got an answer for this complaint on XX/XX/20 stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 7th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 7 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TN

Complaint narrative:
I consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to XXXX XXXX XXXX. I have attached a copy of my FTC and Identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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:
Two days ago paypal sent me an email notifying me about a permanent account limitation.I can't no longer send/receive nor withdraw my funds. I reached out to their support team by mail and phone and they couldn't provide with any reason for the aforementioned limitation. They agreed with me that i didn't violate any of their terms and conditions but they are not cooperating on solving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NJ

Complaint narrative:
I receive a collection notice for a visit to the Emergency Room of a hospital. Even though I submitted my insurance cards during my visit. It is astonishing that the hospital would place the bill with a collection agency and the collection agency would report the collection to the credit reporting company 's without billing any of my 3 medical insurance policies that I had submitted to the employees of the hospital during my visit. I would like this item to be removed from my credit report. They did not follow proper procedures by billing my medical insurance for the visit.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: TX

Complaint narrative:
okay so i got out of prison XXXX XXXX i had my cousin submit my unemployment benefits for me well he took my money ad the card was not under my name it was under XXXX XXXX my name is XXXX XXXX now im having trouble getting my money it has over XXXX $ i cant use i tried everything they wont give me my money

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Both customer reps from the 3 credit bureaus XXXX, Transunion and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Both customer reps from the 3 credit bureaus XXXX XXXX and Experian as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.

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 2020-11-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2020-11-19 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: TN

Complaint narrative:
I consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to 15 USC 1692d. I have attached a copy of my FTC and Identifiers.

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 2020-11-19 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: FL

Complaint narrative:
Paypal asked me to verify some information to open a PayPal cash account, I provided my ID, proof of address and a paystub with my SSN. Even though I provided all these details PayPal has still partly restricted my account and I am unable to use PayPal cash services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
OPORTUN has admitted to using the EOSCAR system. THEY CONTINUE to state they verified a paid off collection account to all CRAS. They have failed to provide factual evidence of the physical relevant documentation they sent to the CRAS.

EOSCAR is not built to send any physical relevant documentation to the CRAS. THIS IS A WILLFUL ATTEMPT TO VERIFY WITHOUT ANY PHYSICAL DOCUMENTATION BEING SUBMITTED TO THE CRAS THEREFORE BYPASSING A COMPLETE AND ACCURATE INVESTIGATION UNDER THE FCRA CODE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/XXXX and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/XXXX and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623

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 2020-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/XXXX and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/XXXX and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX Was calling in since they closed my account down for fraud - was speaking a XXXX at the time, during the convo she said we need to open a new account, We were doing that all of sudden she stops and says " I am no longer allowed to speak to you please take your ID Into a local branch and verify you are XXXX '' I asked her what the heck happened she refused to speak to me. 
I asked to speak to a manger, XXXX said the info I am getting is not adding up. Everything I said was adding up. It is the fact that I am a XXXX and my voice does not match the correct pronoun, because of this they locked me out of my account. Because of my voice, this is 2020 I should not have to disclose personal private info about my gender to a phone rep and have my account locked because of this! I am so dishearten by this bank that I am 100 % switching on Monday. 
Disclination at its finest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from XXXX XXXX XXXX regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
I have provided evidence to XXXX and to ECMC over 6 or 7 times and they have refused to remove the information thats well over the amount of time allowed by law.

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 2020-11-19 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: UT

Complaint narrative:
XXXX has admitted to using the EOSCAR system but failed to provide if they verified the account responding back to the CRAS XXXX, XXXX, EXPERIAN using all relevant physical documentation to the credit reporting agencies. THE EOSCAR system is NOT built to comply with the REAL FCRA code. NOR is it built to allow the DATA FURNISHER XXXX XXXX THE SUBSCRIBER to the EOSCAR software to respond sending physical relevant documentation back to the CRAS. Therefore, there is NO real investigation. This is all an illegitimate scheme to offset any real investigation of verifying accounts. I will seek litigation for this negligence of abusing the system.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL XXXX cell : XXXX I would like to complain about Coinbase ; a company registered with XXXX. 

Coinbase , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX is not regulated in the United States where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes. I had opened an account with Coinbase to purchase and hold my cryptocurrencies. While Coinbase accepted my deposits, they completed transactions with a company called XXXX. This company took my cryptocurrencies and disappeared. I have attempted to contact both XXXX, Coinbase, as well as : Legal Department / Complaint Department Date : XXXX Coinbase XXXX, XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
mailto : XXXX All attempts to communicate with these entities are ignored or denied accountability. The institution ( s ) has been silent on the issues raised in the letter and refuses to respond after several attempts of communication. 

I would like to have my deposits returned to me. 

Attached, you will find a copy of my deposits and transactions, along with the account numbers ( wallet numbers ) involved in the scam. 

It is my hope that you can assist me in recovering my stolen funds. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
On XX/XX/2020 I have communicated with Nissan Motor Acceptance Corporation about my situation due to loosing my job, then I lost my son 2 months later..and they still reprocessed my car as of XXXX..I ask them to give me more time, due to my circumstances, they dont care..after I told them I have another job now..just give me time, I had the car for 3 years.I even ask for a payment plan, they denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The XXXX  security breach affected millions of consumers including myself you may view information about this breach here : XXXX XXXX  XXXX Section 609 of the Fair Credit Reporting Act states that only fair, accurate accounts should be reported to any consumers credit file. I have contacted your company over 60 days ago and asked for you to either validate this account or remove it from my credit file, the fair credit reporting act states that your company has 30 days to respond, you have not done so which is illegal. The account you have listed on my credit file, is a result of identity theft, I am aware of my rights as a consumer, and I understand the current laws as the fair credit reporting act states. I ask as stated by law for you to remove the fraudulent account from my credit file. I have asked for proof that this account belong to me, which I have not received at all. I am demanding that you remove this account from my credit reports at once, it is absurd that your company has placed this account on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. If you refuse to remove this incorrect information from my credit file, I will move forward and file a motion in small claims court against your company. I am currently working with a lawyer who will assist me in making sure a judge in my area understands that your company is breaking the law by continuing to report this false information to my credit file. You may contact my lawyers here : XXXX XXXX XXXX I have kept all documentation of each correspondence, and I am prepared to fight for my rights to have a fair and accurate credit file. It has been 60 days since I have requested removal and debt validation, I have yet to receive. I am demanding this information be removed in 1 business day, as I plan to file a motion in court. Please remove this fraudulent account from my credit file.

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