vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: OH

Complaint narrative:
On XX/XX/2021 I opened a trading account with eToro. I opened the account with {$3400.00} directly from my bank account. Trading was allowed immediately upon the opening of the account. XX/XX/XXXX they contacted me with an email that stated that the method used to fund the account was registered under a different name. I assure you it was not. I funded my eToro account with my bank account. Within a week the account activity was limited resulting in a frozen account. All documentation ( Identification, proof of address, proof of payment method ownership, etc. ) that has been requested by eToro has been supplied to eToro under threat of limiting the account. Upon supplying the documentation, the account has been limited anyway. No money is allowed in and no money is allowed out of my eToro account. eToro will not respond to any emails, support tickets or phone calls. They have my money and the account still shows a value of {$3700.00} and they will not allow any action within the eToro account. My account is " Verified '' but " Limited. '' They will not respond to any inquiries.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My payments for my mortgage are sent electronically directly to NewRez from my account. Payment was sent and received successfully since the inception of the loan. 
The XXXX payment was sent and RECEIVED by NewRez on XX/XX/2021. But, they did not credit my account and are charging me a fee. I have called 3 times, each time the representative has told me something different. In only one of the calls was the representative even polite and she did attempt to help resolve the issue, but to no avail. My bank has sent proof of payment to the NewRez fax number, and still they are not crediting the account, but instead they are threatening to report the loan in default. Please help! What else can I do? They already have my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: MS

Complaint narrative:
i sent FIDELITY CAPITAL HOLDINGS , INC. DBA FIDELITY INFORMATION CORPORATION letters on XX/XX/2021 to their main office and corporate office about the alleged debts of {$50.00} and XXXX $ dollars that i dont owe.i sent them certified mail for my records and i have attached copies below of the letters that i sent. the information needs to be delete from my credit reports asap cause its causing me financial harm from achieving credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent my Driver license and SS card to transunion and disputed my name several times. XXXX and XXXX have been but Transunion is not doing their job. My Name is XXXX XXXX NOT XXXX XXXX. my ssn is XXXX NOT XXXX 
what in the XXXX do i have to do to get them to make these changes.My driver license and SS card should be enough proof to change this. I want this change Now with Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
so i had a Coinbase account from XXXX i used it alot as i was investing ang storing my savings on it using bitcoin, i had around XXXX $ on it. and at XXXX, they diabled my account, labeling it as it was " XXXX just temporarily '', then i contacted the support i told them about my problem but they didnt give me any solution, and from that day i kept sending tickets to the support team, day after day, but always they reply me by, CASE CLOSED, even if i have my money on it, they didnt give me access to my own funds which is basically an obvious fraud, since they can have access to it, and they didnt give me access to my own account, and untill now i still send them messages and tickets, but they either dont reply or they say again case closed, i seriously need my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello i am a united states citizen and had some money invested in my Coinbase account in 2017, i went on a vacation to XXXX, and when on way back at airport i was checking the status of my account and upon arriving home, i received and email saying my account has been locked believing me to be a resident in a country in which coinbase is prohibited by law from doing business. I submitted the proper documents to prove that I'm am not a resident and my account is still locked i think they are taking advantage due to the amount of investments i had in there at the time. 

Please look into matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
It was around the first part of 2019. XXXX XXXX XXXX XXXX offered my wife and I phone service with their company. They gave us the phones we wanted. immediately, like two days after signing with XXXX XXXX XXXX we were having bad service. dropped calls, fading signals, and calls not going through. We started to call in and complain to see if they can fix the issues. All they kept telling us is, ( their working on the cell towers and putting more towers in our area to boost up signals. Just hang in there ). We had a 14 day cancelation if we didn't like the phones. Almost every other day we complained about it. They did nothing. It got to the point that we were tired of waiting. so we went back to our previous carrier. XXXX XXXX XXXX reach out saying that we owe them around {$2300.00}. We told them what was going on. We offered to give them their phones back. They told us that the phones are considered used that that we past the 14 day trial. Also that we had to pay for the phones. I've tried to reach out to XXXX XXXX XXXX several times to resolve this issue, but all they do now is to put you on hold for a long time or simply hang up because your not starting new service. After some time went by, we were contacted by XXXX XXXX XXXX XXXX, a collection company to pay pay the full amount. I explain the whole situation and they told to write a statement describing what happened. I submitted a Statement and did not hear anything back from them. I thought that everything was settled. Now eight months later were receiving letters from Receivables Performance Management LLC telling use to pay this {$2300.00}. When is this going to stop. I know that theirs companies that just go out to find anything on you to pay. Nothing gets done about it. The way I see it is that XXXX XXXX XXXX failed to provide us service that that we paid for. Their in breach of contract. No monies should be owed. Can you please help us.

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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX  out after the disputes, which I confirmed via a phone representative at Affirm on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was a XXXX  balance. But Affirm continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from Affirm. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. Affirm continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owe XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how Affirm has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX experian not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report 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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management filed a a case in XXXX Superior Court, Civil Division XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding Midland Credit Management , Inc ( Midland ). {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and Midland was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as Midland filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report.

In summary, I am asserting that Midland has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX, XXXX, and XXXX ). I would like this information to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
According to Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector from engaging in collection in Texas unless the have obtained a surety bond and it is filed with the State. 

The Texas Secretary of State has no bond on file for CMRE.

They are attempting to collect {$450.00} from me and damaging my credit rating as a result. It does not appear they are meeting the State of Texas Licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I mailed a check via USPS in plenty of time approximately XX/XX/XXXX to be received by XX/XX/XXXX at Comenity XXXX XXXX XXXX XXXX XXXX TX location. I mailed the check USPS on time as usual in plenty of time. 

Comenity charged me a late fee and interest. 

During the time between XX/XX/XXXX and XX/XX/XXXX there were severe weather disruptions however Comenity claims they did not affect them ( XXXX ). Therefore they did receive the payment on time according to the USPS they would have received the bill in 3 to 4 days.

USPS says they had no delays. 

Therefore because the federal government claims my check was not delayed I believe Comenity made errors, misplaced, temporarily lost, or had problems due to the weather that would have caused this - none of which are my fault. 

I want full reimbursement for their errors, a credit of {$29.00} for the late fees plus the interest back of {$41.00} I was overcharged for. The reason I claim this is a overcharge is that my payment was received, while they claim they did not " process it '' until XXXX I am certain they received the check USPS about XX/XX/XXXX or XX/XX/XXXX based upon XXXX United States Post Office tracking of that routes typical time in transit. 

Regardless, as you may know, the United States Government accepts the USPS pay date for taxes and official matters as the date post stamp on the envelope, therefore I want Comenity change the date of receipt to on time and refund all my fees and interest. 

Additionally I would like them to pay a fine typical of this type of minor investigation, unless this is a recurring issue for Comenity, I am not knowledgeable about the CFPB internal process. 

No other resolution is acceptable to me. If the CFPB can not negotiate my settlement for the {$70.00} I would like to be referred to other agencies who I can also file complaints with such as the XXXX or state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
I owed {$150.00} to a school ( XXXX XXXX ) I attended. I paid the amount ( {$150.00} ) to my school. However, the debt was incorrectly given to a debt collection agency ( XXXX ). The debt was first reported as {$53.00} for the first 5 months of it being on my credit report, which was incorrect. Then, it was updated to {$150.00} for the last 2 months of it being on my credit report. I contacted my school to confirm this debt ( {$150.00} ) was paid in full directly to them, and that it was mistakenly handed off to a collection agency. The debt has been reflected as paid in full on my credit report. However, I have never interacted with the collections agency and it was paid prior to going to the collections agency. This incorrect submission on my credit report is in violation of the following FCRA statutes : no correct date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Ria Envia, LLC
State: MO

Complaint narrative:
RIA Money Transfer took money out on a bank account that I authorize them to. That cause me an overdraft big time. I use their online app for 2 transactions sending money to my mom and sister on XX/XX/XXXX and XX/XX/XXXX. I authorized them to use my second bank account and went through instant verification and transaction went through no problem. But today I have seen that they are taking the money out on my first bank. I called them and asked what is going on and told them I specifically authorize the charge on my second bank and they insist that I did. And ask them to furnish me my authorization to use it but they only sent me receipt thats shows the last 4 digit of the bank account #. Which on my email receipt when I did that transaction it doesnt show which bank account. I know I dont have have balance on that bank that is why I did not use it but they go ahead and charge that account and that made me overdraft for the first time. And they are not willing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I received my credit report that had an inquiry and collection noted by XXXX XXXX XXXX. representing XXXX. I disputed this collection as it was not my account and the collection was removed from my credit report on XX/XX/XXXX. Today, XX/XX/XXXX, I received another notice that a collection had been added to my credit report. Once again XXXX has employed another collections agency, Receivables Performance, to report a delinquent account. And again, this is not my account and I do not owe XXXX anything. This has seriously impacted my credit rating. 
I contacted the credit reporting agencies and disputed this collection, again. I also contacted Receivables Performance and XXXX via email, to remove my name from this file and stop harassing me with these collections. I do not owe XXXX anything. I have not had an account with them for more than 6 years. 

In XX/XX/XXXX, I closed my account with XXXX and returned all equipment and received a receipt showing no balance due.

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 2021-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been sending letters to Experian to delete all the information that is on my credit reports like addresses and names that are incorrect, erroneous and obsolete and to only leave my correct name and my current address. They are not deleting anything and this is affecting me from getting a new credit card and buying a home. I send them proof of my current address and my driver 's license as well.

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 2021-03-15 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: OH

Complaint narrative:
There is a hard inquiry on my credit report reported by equifax. I disputed this hard inquiry by writing a letter and sending it certified mail to equifax on XX/XX/2021. Its has been over 30 days and It has not been removed yet. 
According to fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Tried transferring money via XXXX to another account. My bank refused to make the transfers. I sat on hold for 1.5hrs and was told by 3 reps that it was " fixed ''. It never was and I'm not able to transfer money out of my account. This is causing personal accounting errors because my bank offers XXXX. It appears they are constructively making it very difficult to use so that I won't use it. They said they will block transfers in the future with no reason.

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