vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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:
On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at XXXX XXXX XXXX, XXXX XXXX ( XXXX ) to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that XXXX had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet XXXX XXXX XXXX reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with XXXX since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MN

Complaint narrative:
so I signed up through XXXX XXXX XXXX i did research on who owned the company and all that looks very promising seen positive reviews right? well, its been about XXXX months now, they let you sign up start the verifying process and even though you send all the proper documentation it allows you to deposit money but not withdraw it, you cant even move your assets out of the site without being verified. I've sent emails and even tried reaching out on XXXX and to the best of my knowledge nobody in this boat has had any success with it. I'm at my last straw. there is nothing worse than feeling the constraints of your financial opportunities being blocked without response. I get that they might be busy, but there really isn't any excuse for it, the easy answer is hire more people and the cheap solution is letting your customers know they are working on it, not some computer generated copy and pasted response. I've even tried calling their phone number but there is literally no customer service on the other end its just a voice recording making you feel even more isolated. 

so no email response no phone response no social platform response I've started thinking the XXXX brothers have decided trying to take companies from people was to hard and its much easier to just steal investor money. 


Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ; - Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened my acct on XXXX. XXXX with Gemini it is a bitcoin acct. My acct is still pending. I would like my acct approved or denied. I deposited a total of {$500.00} and my money is simply in limbo.I contacted them several times regarding the status of my acct and i was sent a generic email wit no definitive answer. I am very disappointed and frustrated with there customer service, I would recommend them to no one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

Ford Credit Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX : Account : XXXX Escalated Complaint / ACDV / Research Department / CFPB Reason For Dispute payment processed XX/XX/XXXX ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic.

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: GA

Complaint narrative:
I was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially

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 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have sent two validation letters in XXXX/XX/XX/2021 to Transworld Systems regarding them that they're in valuation of HIPPA law in attempt to try to collect on a debt. The company has failed to validate my debt. Instead they sent me a list of my medical records instead of my HIPPA release form which I requested in the letters I sent which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I also requested for Transworld Systems to send me this specific information in those letters with my signature and to see how they receive this private information regarding my personal health and they failed to do so. This negative reporting is damaging my credit worthiness to obtain housing for my family in these struggling times we all are living in. Please delete this information from my credit file and cease all collection activities failure to do so I will be perusing legal actions. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I opened an account with Gemini on XX/XX/2021 and Ive been waiting to get verified ever since. Ive been able to purchase crypto currency on their app, but I havent been able to withdraw it because my account isnt verified. I have sent an email to support back in XX/XX/2021 because they said it would take at most 2 weeks to get verified. So I didnt receive a respond to my XXXX XXXX email until XX/XX/2021. Im hoping to get verified on there because I find it unfair that I can buy assets but not withdraw or sell them, it has been almost 2 months and its starting to get worrisome. It feels like they are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX HAS ALL THE PROOF THEY NEED TO REMOVE THIS FRAUD ACCOUNT FRO MY PERSONAL CREDIT FILE AND STILL THEY REFUSE TO REMOVE IT. I HAVE PRODUCED POLICE REPORT, FTC REPORT, COURT DOCUMENTS, ARREST REPORT AND STILL ITS ON MY CREDIT FILE. THE ADDRESS UNDER THIS ACCOUNT IS FRAUD AND ACTUALLY THE ADDRESS IS DOCUMENTED IN SOUTH CAROLINA WITH THE XXXX XXXX AND ATTORNEY GENERALS OFFICE AS A BLACK MARKET ADDRESS BECAUSE ITS A PARKING DECK IN DOWNTOWN XXXX AND SO MANY PEOPLES IDENTITY IS USED TO RECEIVE STOLEN CAR LOANS. XXXX KNOWS THIS AND IVE SHOWN PROOF AND STILL NO REMOVAL OF THIS LOAN. THE GENTLEMAN WHO WAS CHARGED WITH BUYING A TRUCK IN MY NAME USING PNC BANK IS ACTUALLY A PNC BANK OFFICIAL. SO PNC BANK IS PROTECTING HIM BECAUSE OF LEGAL ISSUES. ALL I WANT IS THIS ACCOUNT TO BE REMOVED AND BLOCKED LIKE IT IS ON XXXX AND XXXX. PLEASE REMOVE OF LEGAL ISSUES WILL COME. IM A XXXX XXXX XXXX AND IVE NEVER SEEN A BANK OR CREDIT BUREAU BEING SO WRONG AND BREAKING THE FEDERAL CREDIT GUIDELINES. I ASKED THE BANK SEVERAL YEARS BANK TO PROVE THIS LOAN WAS MINE AND THESE NEVER RECEIVED ANYTHING! XXXX YEARS AGO THERE WAS ANOTHER LOAN THAT PNC BANK GAVE TO SOMEONE AND USED THE SAME ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX AND XXXX AND PNC BANK REMOVED THE ACCOUNT AND BLOCKED THE ADDRESS AS FRAUD BUT NOW THEY REPORT IT AGAIN ON MY CREDIT FILE. XXXX XXXX YEARS AGO VERIFIED XXXX XXXX XXXX WAS A FRAUD ADDRESS AND BLOCKED IT ON MY PERSONAL CREDIT FILE BUT NOW THEY REPORT IT BECUASE THE BANK SAYS IT CORRECT WHEN ITS ACTUALLY NOT. XXXX IS PROTECTING THE BANK VS THE CONSUMER AND IVE HAD A XXXX BECAUSE OF THIS AND LEGAL ISSUE WILL COME IF NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: MO

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is a mistake as I assume it to be. I have not been able to get any help form them for months now but I just remembered I could file a report on this website as I just feel they are not doing anything to help me and this is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I've tried to settle the dispute amicably and have the itesm with American Express deleted from my credit reports. 

I spoke with American Express representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the American Express official. 

The American Express acounts are being reported negatively and the data is from 7 yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the collector, XXXX XXXX refuses to delete the item s its collector denote and clesr the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Block, Inc.
State: SC

Complaint narrative:
Some of my accounts were hacked so I closed my debit cards changed passwords usernames and so on. Well with cash app I changed my $ cash app name and pin. My friend sent me some money to my old account I tried to access my old account to transfer funds could not get access. I contacted cash app support through their email only way to contact them. The first email was sent on XX/XX/2021 I received the money on XX/XX/2021. So since XX/XX/2021 till this very day XX/XX/2021 I have been going back and forth trying to get help accessing my old account to transfer funds. Cash app has been sending me generic emails with links instructions on how to access my old account none of which work. The email I got from cash app on XX/XX/2021 states that they will do this one time courtesy and transfer my money into my new account. Oh happy days but the email I received on XX/XX/2021 says oh sorry no can do we can't transfer money for security reasons blah blah blah none of which makes any sense. I have all emails correspondence between cash app and myself. So I guess cash app is going to add my money to their payroll. It is theft and fraud plain and simple. The last email I received XX/XX/2021 from cash app says seeing how I haven't responded to them in 3 days the matter is closed. My last email I sent to cash app was on XX/XX/2021 so no 3 days has not passed without me contacting you so now cash app is out right lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
this is not a duplicate your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AL

Complaint narrative:
I found out I was a victim of the Equifax data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Years ago Paypal Credit charged my bank account instead of paypal credit they stated that paypal automatically takes funds from your bank account if you do not have enough on your limit to pay. If I wanted to not use any backup payment methods I could turn it off. So I did. Today I find out a purchase I made a couple of days ago to XX/XX/XXXX was charged to my bank account! They took the funds directly from my bank account instead of my PAYPAL credit which I paid the balance up front in order to charge this so now I have overpaid paypal and they have taken the funds out of my bank account. Paypal has become extremely corrupt and unethical. I DID NOT give them authorization to take funds directly from my bank account. I only use the bank account to pay my minimum payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AL

Complaint narrative:
I found out I was a victim of theXX/XX/XXXX data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm currently going through a drawn process of disputing and removing a fraudulent item on my credit report from EXPERIAN. 

In XX/XX/2016 an account stating that I owed XXXX XXXX XXXX an amount of {$5700.00} appeared on all three credit bureaus. After I noticed this error I immediately had a fraud alert place on all my credit reports from the credit reporting agencies then disputed them ; this took some time but eventually, I successfully had this entry removed from my XX/XX/XXXXand XX/XX/XXXXcredit reports having proven my identity was stolen and used for fraudulent purposes. 

Experian has given me a very hard time in removing this entry, I have disputed this entry from XXXX XXXX XXXX through Experian over several occasions and have not been successful, each time the entry comes back as verified also no method of verification was stated to me for my records. I have sent multiply documents to Experian more than proving that this item is an account due to fraud and nothing has been done. 

This run-a-round has cost me my time, money, and opportunities due to this account. Ps. I've also tried contacting the furnisher of this account XXXX XXXX XXXX XXXX XXXX and have never received any response. Experian now REFUSES to dispute any disputes I submit pertaining to XXXX XXXX XX/XX/XXXX which is gross disregard of my rights according to the Fair Credit Reporting Act. 

I am completely holding Experian responsible for all damages caused to credit information they possess under my name. 

I aslo want to be absolutley clear that I am submitting this complaint of my own accord.

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 2021-03-25 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:
XXXX XXXX XXXXXX/XX/XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

XXXX XXXX Dispute Department XX/XX/XXXXXXXX XXXX, XXXX XXXX Re : Account : XXXX Escalated Complaint / XXXX XXXX Research Department / CFPB Reason For Dispute payment processed XX/XX/2020 ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic. 

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.

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