vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC 54XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
My wife and I purchased a dishwasher in-store and it was to be delivered in 7-10 days. About a week later, Sears called and said the dishwasher that I ordered was not in stock. They said they were going to cancel the order unless I wanted to wait 3-4 weeks for it to be ordered and shipped to the store. I needed it ASAP so they canceled the order and refunded me the money of the dishwasher and delivery fee 100 %. 

However, they charged me a {$140.00} restocking fee. They did not have the product in-stock to be able to restock it. I really wanted the dishwasher, which is why I bought it, but they ultimately did not have it. 

Also, they had me sign-up for the Sears Shop Your Way Mastercard to get a discount. So I did. After they refunded me the money, I received a credit card statement with the {$140.00} charge. I disputed that with Mastercard. A couple of months later I found out that they sided with Sears on the restocking fee. No notification had been sent to be, it was only when I contacted Mastercard again. So I opened another case. 

I had a XXXX credit score, but due to a missed payment ( my only one ever ) for this purchase with Mastercard, my score dropped 110 points for something that I am not responsible for. 

They then said to call Sears, which I have probably done 50 times and they just keep passing me off. Then they said to go into the store which I purchased, which was closed for 3 months due to the pandemic. When they finally opened, they had no information on my order. 

My wife finally spoke to someone on the phone that was able to find my order information and original receipt and they said that I signed saying that there would be a restocking fee if canceled. 

Again ... .I DID NOT cancel. Sears canceled because they could not produce the dishwasher that I had purchased in the store.

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX THE XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS INC XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: SC

Complaint narrative:
This started back XX/XX/2019 when XXXX XXXX XXXX contacted the owner of the home we were living in for the past 7 years and told them they could be making a lot more money in rent and they should raise it. We were paying XXXX and they wanted to raise it to XXXX. We had no lease but the first year we resided there. Then we paid month by month for the next 6 years. We for the last 6 months we were there was always scared paying rent not knowing what they had planned. Finally after being threatened with eviction over and over let them go through with eviction. Due to non payment for 1 month. Even though our name was not on the set out list for the date they showed up. The constable of XXXX County SC let them follow through with set out with no proof or paperwork given to us. We waited 3 hours watching them sit in our yard waiting for them to give permission to enter our home still with no paperwork. Not to mention our belongings we set out in the pouring rain and everything got ruined! The company Hunter Warfield call daily after being asked not to saying they are attorneys and are trying to collect debt. I am not responsible and have not received and documents regarding this account. I want this off my credit immediately. This is a false collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The company Coinbase will not grant access to my money in any form. I have tried multiple times to get help from the company to access my funds. I have not even been able to talk to a human being in 3 days of constant contact. this is very frustrating as i have used Coinbase on this account for years, there was no warning that any deposits made via USD or BTC would now be held for up to a week. Considering the ripple effect of Covid I have been put in dire straights financially because of Coinbase during the week I pay all my bills. This company is completely unprofessional and are incompetent they have no business in electronic banking ( the outrageous hidden fees should have been a clue ). how can you run a banking service and not have any customer service representatives. Three days of the same Bot responses and automated dialog on the phone have done nothing. I have never reported any corporation for anything, but considering my internet goes out tomorrow along with electric i must file a complaint in hopes that no one else falls victim to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  XXXX is still claiming a past due balance to credit reporting agencies despite being paid off with collection agency. My account was settled with the collection agency back in XX/XX/XXXX. XXXX XXXX  XXXX updated my credit report to show " charged off '' for every month of XXXX and lowered the balance but still showing a past due balance of {$850.00}. I have a letter from the collection agency advising the account is paid off and at a {$0.00} balance. I sent a dispute through Experian with a copy of the letter from XXXX XXXX XXXX dated XX/XX/XXXX stating the account was settled in full with a XXXX dollar balance. First premier still closed the dispute stating the balance was verified accurate even though it is not. Meaning they are knowingly reporting false information to 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 2020-06-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I have a credit card with Alliant Credit Union. There is no option online to close an account, not even a mention of it. 

I called their customer service line in XX/XX/2020 Of all the options in their automated voice system, none of them included " close account. '' Still, I persisted and jumped through the myriad hoops to try and get to a live human. 

The first time I got to the " a representative will be with you shortly, '' response, my call was disconnected without explanation. 

The second time I got to that prompt, I waiting 17 minutes only to be sent to a ringing phone line. I stayed on the line and was sent to a full voicemail with no options ; again I was disconnected. 

The THIRD time I found myself waiting to speak to a representative, I have now waiting 26 minutes and have yet to speak to a person. 

It is apparently not possible to close an account, despite their ( false ) marketing that their phone lines are open 24-7.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the XX/XX/2020 I attempted to access my account. I received a notice that my account had been locked, I contacted Bank of America regarding my account. I was told my a customer service rep. that my account was being closed because of the deposits from unemployment. I explained that i get unemployment from. She stated that if there is any money left they will send it back to me. I ask to speak with a manager, I spoke with a manager and was told that my account was frozen because the deposits were not in my name. I explained that the money did belong to and was in my name she then disconnected the call. I went in to a local branch and was told that they could not help me and they did not know why the account was frozen. I placed a call back to customer service and spoke with some and asked for a manager. I received a call and explained the reason why I was disgusted with Bank of America because my account was placed on hold without notice, no one called me to discuss the matter, I did not receive any notice regarding this concern. My funds are being held without reason or just because Bank of America decided to. I have had thousands of dollars deposited in this account and have never had it frozen. I am asking for your assist regarding Bank of America and its employees unwillingness to release my account. I was told that they are looking in to this, however ; there is not valid reason why this should have happened. How many other accounts have they taken upon themselves to freeze without sufficient notice to the account holder.

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 2020-06-10 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: GA

Complaint narrative:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Synergetic Communication Inc
State: CO

Complaint narrative:
I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received notices about insurance from the lender New Rez. I uploaded proof of insurance in accordance with their instructions but they still placed insurance and have been billing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
this was charged to me ... ..this is not my debt ... .SCA Credit Services , inc

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