vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have more than $ XXXX that is my life savings and it is not accessible to me. My account is 100 % locked down on a timeline that is far beyond what makes sense. 

I had a payment transfer on XX/XX/XXXX that got reversed from my bank but immediately processed a payment on XX/XX/XXXX for the amounts in question. They even have record of the successful payment. However, more than 10 days later, my account is still 100 % locked down. I am not able to access any of my own assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: MS

Complaint narrative:
I WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.

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 2021-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed items with Equifax and even so just recently sent in a dispute request and Equifax has yet to mark the items as disputed by consumer as they are supposed to which is a violation of the FCRA. They have also gone over the 30 days to respond to the investigation and even so beyond 45 days. The items disputed were XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX They are in violation and I plan to sue for damages unless these items are removed due to violations of which I can collect {$1000.00} per violation. Items below will show when the disputes were sent and also the accounts that continue to be reported inaccurate and not marked as disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I got a debt Collection notice on credit Report on XXXX2021. I never received a phone call or email from this company. They just started adding Degatory marks on my credit with out reaching out to me. I made contact with Sunrise credit services and requested information which they claimed they will resend the email and I should receive it with in 24hrs and I never received it the email. I have checked all my email folders including junk folder. I even reached out to my parents and I havent received anything from them in the mail. I feel like this company is hurting peoples credit without reaching out to them.

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 2021-03-22 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: MS

Complaint narrative:
I WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have dealt with PNC bank for hours and hours, with no resolution. They have records of me calling in every month to make my payments on time. They reported me to the credit bureau for a late payment ( although I called in to pay on time ), due to the bank who manages my checking account providing me with the wrong account number. They said the only way to correct it would be to mail them a letter, so their research department could look into it and request my credit to be repaired, due to the banks error. I composed and sent a letter. In the mean time, I filed disputes with all of the credit bureaus, and two of my credit scores went back up. The next month, I see that my TransUnion score dropped again, due to PNC bank! I called them and spoke to a supervisor, XXXX. He told me that he did not know the reason why it dropped again, when I have not had a late payment after my credit score went up again ( this was in XXXX ). He said hed escalate it to another department, so it can be looked into. He told me that theyd give me a call back within 72 hours. I have received the call back, but I did receive misinformation. The other supervisor who called me back from this other department told me that they are unable to tell me the reason why my credit dropped TWICE! I would have to submit another letter. They lied. I received a response to my original letter, saying that PNC can not take any action in order to have my credit repaired. I went through all of this effort, with no resolution and with being lied to, and this is all over something that was not my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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:
PayPal closed my account for no reason and will not help me with getting it back up and going or allow me to withdrawal or transfer my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for some time now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX, I contacted AmEx because my credit card is a travel credit card with a {$550.00} annual fee, which was hefty in a pandemic year during which I did not travel. The CSR offered me a XXXX retention bonus. The next month, I had not seen it, so contacted AmEx again, on XX/XX/2020 via chat. That CSR said that I had to affirm that I would not cancel the card and I did. The CSR said the miles would be applied within 8-12 weeks.

Its been 13 weeks, so I contacted AmEx again. After an interminably long chat, during which I received somewhat nonsensical information, the CSR said I have already received the miles. I have not. I received other miles for a separate promotion, for spending a certain amount of money on my card. Im owed the promised XXXX Skymiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was paid and closed in full. The creditor has received all payments but has this reported as charge off in current status. And reported payments late when they were made to close the account every 2 weeks. I had reported this with the credit bureaus and the status is still incorrect.

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 2021-03-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and TOYOTA MTR with no successful resolution. XXXX XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management Account XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 

Company above appears on my credit report as XXXX initially, but this account was sold to this compnay. Thus, making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$1200.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

7. Midland Credit Management must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Have been trying to get a income repayment plan with Navient. From XX/XX/2020 to present i have received 6 different amount to repay. {$370.00}, {$170.00}, {$290.00}, {$140.00}, {$180.00}, and {$110.00}. We only bring in {$2900.00} a month. I had spoke with them and told them we need the lowest payment. We can not afford alot we have other bills. I was told that was not their problem. After all of it we are now back up to {$180.00}. I have asked for the formula that is used to calculate the payment. They refuse to give it to me and said I wouldn't understand. I told them that we could do the {$110.00}. I was told to resubmit my paper work and they would lock it in. 2 weeks later it came back at {$180.00}. I tried calling to speak with a supervisor. They refuse to allow me to speak with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Unpaid collection on my credit report from 2018. I am a victim a few times over with identity theft. There is a breech in nearly everything. I have no record of this account and have tried deleting it directly with the companies. I do have active cards with the card company that I do use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX XXXX  and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2021-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, Equifax, TransUnion, and XXXXXXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2021-03-22 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: IL

Complaint narrative:
An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXX tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NY

Complaint narrative:
XXXX was my previous cable provider : account number XXXX.The account was paid in full before transferring to XXXX.I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get the last bill, Just received a XXXX bill of {$170.00} for XXXX XXXX that I do not owe. There is an amount of {$250.00} on my Experian credit report that Ido not owe negating my credit report. I would kindly like this information be deleted from my credit report.

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 2021-03-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I've disputed this account several times because I have no knowledge of these accounts ( 2 ) with this collection company. I have always had insurance and so I sent them a certified letter on XX/XX/2021 and it was hand delivered to an actual person on XX/XX/2021 at XXXX. In this letter I requested for the company to send the appropriate proof that they are attempting to collect from the correct person. I also asked form them to provide in writing what the money they say I owe is for with a full break down of the calculation and provide copies of any documents with my signature stating I agreed to pay them what they say I owe. 

I have yet to receive any documents or response to my letter. I am requesting the account be properly validated as mine or be deleted immediately from my credit reports. I should not be held responsible for something that can not be proved as mine.

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 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have made several attempts to lower my payments for my auto loan through my financier, Santander Consumer USA. I have been unemployed for nearly 8 months due to COVID and have made them well aware of this. They repeatedly denied these requests. At the time of financing, this company was well aware that I would more than likely default. With no more options, I have formally surrendered the vehicle and the repossession company is coming to collect it tomorrow. I am anticipating that the company will file suit to collect the deficiency balance from me. I have read about the 33 state settlement that took place last year in 2020 and would like to know if I qualify to be forgiven for this deficiency. They are a predatory lender and are ruining peoples financial well being.

Company response to consumer: Closed with explanation