vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: NC

Complaint narrative:
I have submitted a Cease & desist to this company to cease reporting because this account is not mine this account along with another account were opened the same month and deemed as fraud. As a result in the account being fraudulent the company has closed the account how ever they have the account still on my credit report, It has been over 3 months with no resolve .This is a direct violation of The FDCPA pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I have sent my last letter before my next step of litigation and seeking damages for emotional distress and defamation of character I have attached all required items of an identity theft report and the FTC is a law enforcement agency as per their website. I have also sent certified mail and the company has 4 days to delete upon recieval the certified mail tracking is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX ai received notification from Midland Credit Management that they were going to sue me if I didn't set up a payment plan by XX/XX/XXXX for a debt from XXXX. I requested debt validation and they were unable to validate all sections I requested including license number and proof of contract for this debt. They responded with a letter marked XX/XX/XXXX that was received XX/XX/XXXX as a bill rather than a validation. They had marked the original letter received XX/XX/XXXX as XX/XX/XXXX but it was actually sent XX/XX/XXXX. The letter received XX/XX/XXXX was not dated on the envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Their services uncarefully looked into, failed to understand and/or misconstrued the discrepancy matter as brought forward to them, as acknowledged by their services ( place see attachments ) reply. 

Realize that Navient is trying to perhaps do their best under the circumstances, even being overwhelmed with the many others facing similar issues, that is well understood, however I am only one ( of many ) as an individual who is having this serious problem-issue for far too long, and have made prior complaints regarding this matter in the past as well. 

I have had this unfortunately financially crippling, serious problem-issue with these student loans especially ever since the first consolidation, of which have made the owed amount worse and, as of this writing is continuing to increasingly get worse, with no complete care of giving a reliable and accurate assistance from their services ( or, for that matter, whoever else ) whatsoever. 

Also, have contacted one of two US Senators, with one of them who gave ( please see attachments ) their caring in terms of a citizen-assisting reply. 

I am bewildered, Disappointed and abandoned to consider the nature of the former as a serious SOS situation! 

Please do contact should there be any questions, clarifications needed etc., thank you kindly for your services in the handling of this complaint. 

P.S. : Have also submitted a complaint to the XXXX, of which is in progress though at this time w/o a resolution etc., thank you kindly for noting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing about my recent credit score drop. I have had an excellent credit score for the past 10 years. Recently I was in a wreck and totalled my truck. I do have another car loan through the same financial institution ( XXXX XXXX XXXX XXXX ). I also have 4 credit cards. All in good standing, never missed a payment. After my truck got paid off by insurance company and my credit score dropped XXXX points!!!!!! Can not get an answer from transunion or other credit companies.

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 2021-12-24 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: SC

Complaint narrative:
XX/XX/2021, TransUnion LLC. I have attached my most recent consumer credit report. I have disputed two account that are on my consumer credit report. TransUnion is voilating consumer law. The Fair Credit Reporting Act 15 U.S code 1681 state that consumer reporting agencies exercise accurate and fair reporting. I noticed two accounts with inaccuracies that are reporting inaccurate information. TransUnion keeps saying that the accounts are verified. XXXX XXXX is a collection account that reports a balance of {$680.00}. A collection account should NOT report a BALANCE. The balance MUST show as XXXX! THE second account is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  is a CHARGE OFF that shows a BALANCE of {$990.00}. A CHARGE OFF ACCOUNT MUST SHOW A ZERO BALANCE! It's a business write off. I will keep my most recent consumer report that I have attached to compare it to the next TransUnion consumer report that will be sent to me of Transunion investigate this complaint. DELETE BOTH ACCOUNT DUE TO INACCURATE REPORTING AND 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 non-monetary relief
Consumer complaint received 2021-12-24 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: Nelnet, Inc.
State: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this account listed on my credit report is : CREDITOR : NELNET LNS, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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:
I have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!

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 2021-12-24 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: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}

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 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people

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 2021-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
They call multiple times per day and early in the morning. They are also calling from different numbers. I have already explained to them that I am going through hardship and they continue to harass me.

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 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
Tried to send funds to XXXX. My niece needs a pacemaker. Very confusing instructions. XXXX did not explain that they would send separate emails. I did not know what to do. My bank sent some text messages with 6 digit codes. 
Did not know what to do with these codes. Thought everything was fine until my niece emailed me asking why I cancelled transfer. I did not cancel. XXXX cancelled and then deactivated my account. Feel like I was never given a chance to try again. Filed an appeal and it was rejected. First time to use XXXX and found it difficult. Not computer smart. XXXX XXXX XXXX XXXX XXXX. This is all frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: OR

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX The bank and XXXX XXXX advertise that one would receive 80,000 points when {$3000.00} is spent during the first three billing cycles after the account is opened and an additional 40,000 points when {$5000.00} is spent during the first twelve billing cycles. I spent over {$5000.00} during the first three billing cycles and received the 80,000 points but not the 40,000 points.

I then contacted the bank inquiring about the lack of posting the additional 40,000 points.

I was informed that 40,000 points was an " anniversary '' award that would be posted after one year had transpired. No where on XXXX XXXX 's or the bank 's website is the term " anniversary '' used.

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 2021-12-24 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: MD

Complaint narrative:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!

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 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
I have submitted a complaint about Century Credit and Collections before and They wrote a poorly worded response back and now CFPB won't let me answer the response. I will take this opportunity to respond to the lies Century Credit and Collections wrote about me. 
I will not repeat why I made a complaint but basically, they added charges that were unfair and when asked to remove those charges I was threatened with being reported to the Credit bureau. A representative from this company responded to my complaint by saying that when I called them to ask the charges be dropped I said derogatory things. This is LIE. What did I say? I would like the representative from Century Credit and Collections to please answer what I said Because I was very respectful and wanted to resolve the problem as soon as possible. This company will lie and bully you and there is no one to help. I will continue to spread the word and complain to anyone who will hear me until this bullying is stopped. The Company did in fact report me to the credit bureau to hurt me even after I paid for the debt in question.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX Toyota Financial Services XXXX XXXX XXXX XXXX XXXX, IA XXXX Toyota Financial Services is reporting incorrect balance information about my Toyota account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued Toyota customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform Toyota Financial Services of accurate credit bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TX

Complaint narrative:
I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX around XXXX I got several email from XXXX asking if I changed my password. Before I could open the email I lost phone service. Seeing as I was at home I got on my wifi and the emails that came in stated that my XXXX password has been changed. Th next emails I got were from coinbase saying someone had accessed my account from a windows 10 device. Seeing as I was at home I tried calling coinbase from my wife 's phone to put a block on my account ; I could not reach a rep and waited on hold for 1 hour and 30 mins. I went to a XXXX store that was still open and explained to the representative that somehow my phone lost service and that someone was changing my passwords. The rep was able to verify my identity and change my SIM card back to my phone. Within the hour my coinbase account was hacked and all my money was stolen from my account. Even though I called coinbase in time they are not trying to refund me any of my money and are even trying to tell me that I owe them money when they have confirmed that I did not authorize or make any of these transactions. My whole life saving was in my coinbase account and they are telling me they can't do anything.

Company response to consumer: Closed with explanation