vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: CO

Complaint narrative:
There are two Unauthorized Transactions on my Coinbase Card. First unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX and the second unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX as well. I never made the purchases with the merchant. Its a scam website. However, Coinbase responded nothing to me after I officially told them those two transactions are unauthorized transactions. Please help me from the financial fraud. Coinbase should take actions to get my money back. However, they are not doing that. Its so bad!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, XXXX, Experian, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. XXXX, Experian, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on Experian with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.

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 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
Received calls from this number on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for verification number. 

I have never received mail from a debt collector or verification number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep also stated twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
This company continues to report false debt on my credit report. After trying to validate this debt, they lacked the information that would prove it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TX

Complaint narrative:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

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 2021-12-18 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: TX

Complaint narrative:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: PA

Complaint narrative:
I have submitted several Identity Theft Reports and Dispute to Experian regarding an account that they refuse to remove from my credit report. XXXX XXXX XXXX is claiming that I owe them {$220.00}. I have no knowledge of this account and filed an Identity Theft Report for Experian to review. I requested that Experian comply with Federal Law 15 USC 1681C-2 ( A ), and DELETE/BLOCK this account, the law states that they MUST honor it, however they disregarded my request and claimed that I am responsible for this debt. Experian has not sent me any PROOF or VALIDATION showing that this account is mine, they are simply agreeing with the alleged company allowing them to collect a debt from me that is not mine and furnish inaccurate information on my credit profile. This is wrong and I feel like my rights as a consumer are being violated, and ignored. I recently filed complaints with the BBB, and my States Attorney General I am hoping that my complaint is resolved as I am already suffering damages due to Experian 's negligence and non-compliance with Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have taken the steps toi attempt to get my personal information, updated and corrected. I have sent the documents that are current and legal, my legal name is on my state issued drivers license in the State of Texas, and my Government issued Social Security Card. In my dispute of what is being reported, Equifax credit Bureau, continues to not change the incorrect spelling of my name. Equifax continues to list my reports with my middle name with an letter. Instead of the full spelling of my name. I have sent documents that are current and legal, but yet they continue to put a letter only for my middle name. Instead of my full middle name as presented on my drivers license, and my social security card. The other two credit bureaus XXXX, and XXXX XXXX are presenting my name spelled correctly as stated on my drivers license, and social security card. am requesting and demanding that Equifax present my full legal name as stated on my identifications

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam I am writing to complain regarding the illegal Debt Collector tactics that was used to collect the debt. On XX/XX/2021 I have received a Collection Letter requesting me to pay {$450.00} to XXXX XXXX  and XXXX. from REMEX Collection Agency located XXXX XXXX XXXX, XXXX, NJ XXXX. 
I don't recall having any services rendered from XXXX XXXX XXXX XXXX therefore I requested a Validation of this debt. For this purpose I have sent a letter on XX/XX/2021 to Remex Inc with the Dispute of the claim and Validation request under FDCPA 15 USC 1692g Sec. 809 ( b ). 
Up until now XX/XX/2021 I have not received any responses from REMEX confirming that this debt is in fact belongs to me. I have contacted my Health Insurance Company and they were unable to confirm that I received any services for the amount of {$450.00} from XXXX XXXX XXXX XXXX 
REMEX however is continuing sending me requests for payment without properly validating this debt. I have send the letter to REMEX asking them to either provide me with the proper documents confirming that this debt is mine or stop pursuing this matter. However they are still harassing me with their requests. I believe this is frodulnet activity by Remax in violation of Fair Debt Collection Practices Act. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
not getting my platinum card statements, they blaming USPS, its not USPS as i am getting my other amer exp statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I want to check that the daily finance charges that are being applied to my account based on my payment dates are calculated and applied accurately to my owed balanced. I requested the records of how finance charges have been assessed and applied to my account and was told that I could not request this service online. I called the 1-800 number provided to me and was unable to reach an operator three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
co doesn't take pymt over the phone, when i call the the # on the statement to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
I received a copy of my credit report and saw that Choice Recovery was listed as the account holder for an account. I had never recieved any notifications from this company that I owed them a debt. I sent letters to validate the debt on XX/XX/2021 and never recieved a response. I sent follow up letters on XX/XX/2021 and XX/XX/2021 and still have yet to receive a response from Choice Recovery. I would like to have this account deleted from my credit report because Choice Recovery has failed to validate this debt and send me a response in a timely manner. I have also filed disputes with the credit bureaus of which I have not heard from them either. Choice Recovery is listed on XXXX, XXXX, and XXXX. This month I noticed that XXXX is reporting the same account twice with different account numbers! All the other data is the same except the account numbers. I am filing this complaint for myself and have included my ID, copies of the credit report, and copies of the letters I have sent to Choice Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Russell Collection Agency, Inc
State: MO

Complaint narrative:
I need to know more information about this debt. I want to see records. I did not receive any mail indicated I owed anything to anyone. 
All my accounts are paid up and then this random one shows up and claims Ive been in default since XXXX of 2021? 
Ive never even used XXXX XXXX. 
I need to know dates and be send the evidence because I am taking this to court if we dont figure this out. 
This is making my otherwise great credit look terrible.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-18 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My father opened an account with Barclays and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MD

Complaint narrative:
On XX/XX/21 I submitted a deposit from my XXXX XXXX bank account to my credit karma bank account at that point it told me that it would be available XX/XX/21. So I setup my bill pay for XX/XX/21 for XXXX  XXXX credit card payment to come out. Credit karma reversed the transaction on the XXXX the same day that I was told funds would be available. This caused me to have a late fee with my XXXX  XXXX credit card payment. This is the 3rd time this happened, the first time credit one reversed the late fee, 2nd time I contacted Credit karma support and they advised me the funds were not available and that the payment not going through was my fault so I let It go. This time I KNOW this is not my fault and I submitted A support ticket for them to credit the fees because it is their fault not mine and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Because of my divorce I am unable to open an account with XXXX XXXX XXXX  company and I am in need of an account my ex husband was supposed to pay them off and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : XXXX XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by XXXX XXXX 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

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