vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
The last time they reported it was on XX/XX/XXXX but the debt was due to a car crash that happened to me in XXXX of XXXX. I attempted to dispute the charge with the XXXX XXXX through XXXX already due to the registered disaster of COVID 19 It has left me unable to pay the {$3000.00} debt. They didnt accept my dispute even though my reason clear and true because COVID 19 has effected me and several thousands of Americans in unspeakable ways. I find ridiculous that Credit Bureaus are putting COVID 19 as a dispute option if theyre going to say its invalid in the end. I need something to be done about this debt immediately because its ruining my credit score and the hospital has called me threatening to hurt my credit in the past already. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ILLEGAL REPORTING. 

Equifax Report : XXXX XXXX Collection {$2300.00} XXXX  Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ILLEGAL REPORTING. 

XXXX  Report : XXXX XXXXXXXX Collection {$2300.00} Experian Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.

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 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I help operate a small water district that collects money for the water used - suffice to say we are a legitimate business, collecting money for legitimate purposes. We wanted to allow customers to pay using a credit card, so we created a business account with PayPal over 2 months ago. After some sales ( around {$6000.00} in total XXXX PayPal has completely shut down my account and froze all my funds. Right now there are hundreds of subscribed customers that are unable to benefit from our services because of this situation. 

We called customer service and they could give no further info or reason why we were suspended. 

I finally had enough and I am coming to the Consumer Finance Protection Bureau ( CFPB ) site to file a complaint. 

Please let me know of any documents or information you may require.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
They disable my account the XXXX of XXXX, And their is no way to get back to them, because the answer in the email is from a robot, and They send me to auto support service and that does not work, because it does not allow me to enable my account. 

this is what they send to me, the " Hello, Thank you for contacting Coinbase. As Coinbase experiments with expanding into more markets, there will be varying levels of support provided. Initially, Coinbase will only offer self-help customer support " I need to recover the money that I have in the account is {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: ID

Complaint narrative:
I looked on my credit report and it shows that I have a collections account with speedy cash from a XXXX $ loan that I know for a fact I never received nor applied for. I have absolutely no knowledge of this account with them. I dont know any information as to where this amount was deposited into what banking account, I have no records nor do I have any mail or emails from speedycash with a loan agreement or any communications in the mail. I have not received any phone calls from this company about this loan either. It shows the loan was opened on XX/XX/2019. As I stated above I know absolutely nothing about this account with speedy cash. I have filed an identity theft report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
STARTED WORKING WITH XXXX XXXX XXXX AND MY CREDIT WAS IN THE XXXX THEN. THINKING I CAN BORROW FHA AND HEROs. A few points off I was referred to a CREDIT FIXING CO. WITHIN 30 Days.and I have been working on my own credit for a yr. AS PER XXXX  XXXX..Im back to XXXX. I was referred. These ppl are predators they have NO BUSINESS dealing with the public. Credit repair co wants approximately 200 per mo from r the next XXXXour months. BUT PROMISE TO HAVE YOU IN A POSITION TO MAKE AN OFFRR.

I was in the position to make an offerwhen I contacted. XXXX XXXX. Please help.Im a single mom and XXXX XXXX employee for XXXX yrs attempting to have my XXXX and XXXX ye old attend the right XXXX. This is not right.the consumers are at a disadvantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

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 2021-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021 I made an online purchase at XXXX using the online platform Affirm. On XX/XX/2021 I received email notification that my installment loan had been confirmed. Approximately two days later XXXX contacted me by phone and stated I owed hundreds of dollars in unpaid sales taxes. I have made several purchases in the past using Affirm, and my sales tax has always been applied at time of loan confirmation. I always knew exactly what my loan total was. That being said, and due to the unprofessional manner of the call, I declined owing any sales tax and insisted on cancelling my order. The caller then aggressively stated that he would waive sales tax, that he wasnt cancelling my order, and then hung up. I checked the status of my order online and it showed that it was in transit to a local facility and that it would arrive between XXXX XXXX. Against better judgement, I left it alone and waited to be called once the order arrived to the facility, as stated on the XXXX website. It is now XX/XX/2021, I have no furniture, can not reach anyone at XXXX, and the status of my order online has not changed. I have contacted Affirm regarding this issue and their process is very slow. It is to my understanding I have 15 days to submit my proof and documents of what happened and then it will take an additional 15 days to review them. Thats another month! Ive done some digging on XXXX and it didnt take long for me to discover that this company is a sham. I can not believe they are still able to conduct business. The thousands of complaints on XXXX  is whats happening to me word for word. Even the call about the unpaid sales tax. I am so disappointed in myself for not doing this research prior to making the purchase, but I felt Affirm was reputable platform with safe businesses. Affirm has opened a dispute regarding my concerns, but I no longer trust them either. Im afraid if they are able to contact XXXX, they will simply tell them my order is enroute and that will be the end of it. I do not want to conduct business with XXXX any longer. I have not received any goods, nor have I made a payment on my loan ( per Affirms policy ). I should be able to get out of this purchase. Please help. And please investigate XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
The bankruptcy its not supposed to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 I called US Bank to ask them where the interest charges on my line of credit are listed since I didnt see any interest deduction on the online activity in the last XXXX months. The last interest charge on my account was {$490.00} on XX/XX/2021. I had paid the balance down significantly so I was curious about how much interest I was paying as the balance was declining. She told me that on XX/XX/2021 when I paid {$5000.00} to the principal, the {$510.00} interest was deducted from my principal payment. The online page clearly has columns for the following : Date, Description, Credits, Charges, Principal, Interest across the top of the page. However, my {$5000.00} payment was listed only in the Credit column and only {$4400.00} was applied to my principal balance. There was no indication that the bank had deducted the {$510.00} from that principal payment. I want full disclosure here. The {$4400.00} should have been in the Principal column and the {$510.00} should have been in the Interest column. And yet, there was no indication that they had charged me the {$510.00} interest. Their excuse was that it was stated on the paper statement that was mailed to me. Question : shouldnt the online activity page MATCH the activity I see on the paper statement? What are they trying to hide from their customers? Why are they not providing detailed activity when they already have the columns set up for the details? And when they labeled my {$5000.00} payment a CREDIT, that was a lie. Only part of that payment was a credit. Did they not want me to see their {$510.00} interest charge?

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 2021-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo continues to fail to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021.

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