vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
There are 2 collections on my credit report from Portfolio Recovery that i've tried to dispute with this company several times this year because the accounts are not mine. After numerous attempts the company itself said that they verified that the debt was mine even though they did not show me any document bearing my legal signature on the document. So instead of trying to dispute the collections again I sent a settlement letter trying to have the collections removed from my credit in exchange for paying a portion of the debt owed. I sent the letters out of XX/XX/21 and received a generic response letter that stated the same thing this company has been telling me all year. It had a copy of a statement and a list of charges that they claim I made. The letter had zero reference or mention of my attempt to settle the debt and had no follow up to my request whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
The XXXX XXXX XXXX Credit Card listed on my credit report is a result of identity theft. I've reported this to XXXX  and Equifax but it has not been removed. I contacted XXXX XXXX who investigated this and sent me the attached letter dated XX/XX/2021 stating that after their formal investigation, they've found the XXXX XXXX XXXX Credit Card to be a result of fraud and identity theft. And that they are removing me from Liability and that they are also requesting that this account be deleted from all my credit reports. 

The inquiries listed on my XXXX report are a result of unauthorized access to my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, TransUnion, and XXXX. XXXX  and TransUnion and XXXX  are not doing their job and are just verifying these accounts as accurate without really investigating.

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 2021-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, XXXX, and Equifax. XXXX and XXXX and Equifax are not doing their job and are just verifying these accounts as accurate without really investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Collection Systems, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I submitted an online application for deferment for XXXX XXXX student loans due to unemployment with supporting documents. Although I sent proof of unemployment, XXXX - XXXX  ( hereon XXXX  ) requested " proof of benefit for XX/XX/2021 '' no later than XX/XX/2021. The agency also indicated that if the requested document wasn't received by the deadline, I would have to resubmit my application. 

I attempted to attach the document online several times, but the document couldn't be attached due to processing. A XXXX  representative instructed me to wait a few days to try again to attach the document. After a few days, I was still unable to attach the document. On XX/XX/XXXX, I mailed my application and attached the requested proof of benefits document showing currently unemployment as of XX/XX/2021 to meet the deadline of XX/XX/XXXX. 

On XX/XX/XXXX, during the processing stage of my deferment, I received an email informing me that my loans were sent to collection. This action of XXXX contradicts that deadline and the email informing me that if I didn't meet the XX/XX/XXXX deadline to submit the proof of benefits that I could reapply XXXX see attached ). Although XX/XX/XXXX was honored as XXXX federal holiday, my proof of benefits document was received by XXXX on XX/XX/XXXX. Also, the receipt date should've never been on a federal holiday where the post office and federal businesses are closed. 

Besides the above, I received an email on XX/XX/XXXX informing me that my application was denied because the loans were sent to collection, and I received a second email informing me to reapply for deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In XX/XX/2021, I opened a dispute with my credit card for a charge. In XXXX, I called back to check the status. They told me they needed more information. On XX/XX/XXXX, I faxed them all the information about the claim, including the Merchant policy that was not honored and evidence backing up the claim. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check the status of my dispute. Each time they told me that either I hadn't faxed them information yet XXXX which if false ), or that the claim was still being processed and I would receive an update within the next few weeks. It has now been almost 180 days since I opened the dispute, and 120 days since I called back to check on the status. Consumer protection law says that the credit card company must acknowledge the dispute within 30 days, and respond within 2 billing cycles ( ~60 days ). No matter how you write it, it is well past the allotted 90 day period and I have not received a single response or update. 

Additionally, my friends made the exact same purchase with the exact same merchant with different credit card companies, and they initiated disputes in XXXX and their disputes were solved XXXX in their favor ) in XXXX. So other credit card companies recognized this merchant as faulty back in XXXX, yet my credit card company has not even sent me a response and it is XXXX already.

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 monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


1. XXXX XXXX XXXX-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. 
( NOTHING HAS REMOVED OR RESOLVED ) 2.CAPITAL ACCTS-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX-XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target, I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let Check N Go know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Moore Law Group
State: CA

Complaint narrative:
Hi all, On XXXX XXXX, XXXX, I called the debt collection company " XXXX XXXX XXXX XXXX XXXX '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to XXXX and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " The Moore Law Group '' that is taking care of this debt after XXXX. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the XXXX staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of XXXX stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from XXXX and I had conversation evidence with a person who was representing negotiated with XXXX saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Collection Bureau of America My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized use of 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 explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

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 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I tried to transfer some eth from my coinbase account, and was asked for a six digit security code that Coinbase would text me. Coinbase never texted me, even though I tried six or seven times.

then I called coinbase and sent an email, and they said that I needed XXXX XXXX, and I downloaded that, but, I can't get Coinbase to appear in this app. I deleted everything from my phone and did a factory reset because after coinbase didn't text me, I read coinbases troubleshooting pages for that and it said I needed to delete things and clear out all my old text messages to get a new text from coinbase. 

I was told to complete an account recovery because I couldn't get the XXXX authenticator to work, and I did that, I sent in a selfie, and my id. Yet I'm still locked out of my account. This is my life savings. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TX

Complaint narrative:
I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let XXXX  XXXX XXXX  know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
As you can see, XXXX  removed these accounts because they werent mine. 
Experian is still validating them. how is that possible, it can only be one or the other this is an FCRA violation. EXPERIAN NEEDS TO DELETE THIS

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: IL

Complaint narrative:
On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NV

Complaint narrative:
I HAD CERTIFIED ON XX/XX/XXXX SUNDAY IN MY NEVADA UNEMPLOYMENT BENEFIT ACCOUNT AND SYSTEM CONFIRMED AS ALWAYS THAT I SHOULD RECIEVE MY BENEFIT PAYMENT THIS WEEK AS ALWAYS AFTER CERTIFYING WITHIN 24 HOURS MY PAYMENT WOULD REFLECT IN MY XXXX  XXXX XXXX PREPAID UI CARD BUT STATE DECIDED TO CANCEL XXXX  XXXX XXXX CARD SERVICES AND SEND OUT WAY2GO CARD TO NV CLAIMANTS TO GET THERE PAYMENTS STARTING ON XXXX.ITS BEEN 4 DAYS AND MY MONEY IS NOT SHOWING UP I CALLED TO NEVADA UI TO MAKE SURE PAYMENT WAS ISSUED AND IT WAS CONFIRMED WITH A PAYMENT NUMBER AND REP ADVISED ME TO WAIT ANOTHER DAY DUE TO FOURTH OF XXXX XXXX AND PAYMENT SHOULD SHOW UP. AS OF FRIDAY XXXX TH STILL NO FUNDS I TRY TO LOG IN APP ON MY PHONE AND IT TELLS ME ACCOUNT IS BLOCKED AND CALL CUSTOMER SERVICE AFTER WAITING 1 HOUR TO SPEEK TO SOMEONE TO FIX BLOCK ISSUES AND WHY WAS THIS DONE HE HAD NO INFORMATION FOR ME BESIDES TELLING ME IF I WOULD LIKE HIM TO FILE A TICKET I ASK A TIKET FOR WHAT? HE SAID A TECH WILL RETURN MY CALL WITHIN A DAY TO HELP ME TO RESOLVE CARD ISSUES I ASKED TO SPEEK TO A SUPERVISOR AND AS I WAS WAITING ON HOLD I HEARD LAUGHING AND AS SOMEONE TRYING TO COVER THE OTHER END OF THE PHONE TO PREVENT ME TO HEAR, AFTER WAITING OVER 15 MIN THE SUPERVISOR HAD SAID THE SAME TO ME ABOUT A TECH IS ONLY ONE TO HELP ME, NO TECH HAS CALLED XXXX NOW WHEN I CALL WAY2GO NUMBER RECORDED SYSTEM TOLD ME MY CARD HAS BEEN BLOCKED AND THAT I HAVE NO ACCESS TO ANY CARD FEATURES ON MY APP AS WELL AND ONLINE WEBSITE COMPLETELY BLOCKED FROM KNOWING ANY INFO ABOUT MY FUNDS.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation