vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Synced XXXX XXXX  card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX XXXX bank XXXX Chex systems XXXX XXXX XXXX bank XXXX And many more transactions and inquiries i habe no idea about My unemployment has been getting stilen from me since XXXX and i dont know where it is going I have not been recieving it. I tried to make a police report but they cant until unemployment Commission does so and i cant get anyone on the phone with me to make it happen.

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 2021-03-16 00:00:00
Product: Debt collection — Credit card 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: TX

Complaint narrative:
Midland Credit Management is taking me to court for a account that has passed the statue of limitation. The statute of limitations on a debt in Texas is four years. That means you can't be sued for it after that. Statue of limitation starts on the 1st defaulted payment and does not get restarted. 
Upon doing more research there are lawsuit from many including the CFPB for violating the 2015 consent orders ( attached ) File No. 201 -CFPB-0022 In the Matter of : Encore Capital Group , Inc. , Midland Funding , LLC , Midland Credit Management , Inc. and Asset Acceptance Capital Corp. ,. Also no disclosures of the fees was sent out. Plus using misleading information to validate account. They have not provided account history from XXXX XXXX showing the 1st late payment. They did not show a purchase agreement / bill of sell they are the new owner of account, need to provide a copy of it. Again violating the 2015 Consent Orders. I am asking for them to remove negative credit reporting from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NY

Complaint narrative:
I am currently contacting the credit card company to change the address on file the email options given dont work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
The supervisor Mrs.Bille seen two transactions that were held a date late and didn't reconcile the issue with my deposit XX/XX/XXXX and Today the XXXX I asked reasonable questions and she hung up in my face as if I haven't been an trustworthy and honest customer for more than 6 years. I will contact the BBB Because u just treat people like that in such I disgrace manner ... now I'm homeless due to this matter ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pavilion Payments US BuyerCo, LLC
State: GA

Complaint narrative:
In the month of XXXX XXXXseveral unknown charges appeared on my XXXX bank statement. I immediately contacted my bank and disputed the charges. The charges appeared to be from GA Lottery. My bank initiated a claim and investigated the matter. In return my bank reimbursed me for the charges. On XX/XX/21 I received a letter in attempt to collect a debt from a company called Global payments Check Services, LLC. On XX/XX/21 I mailed out a dispute letter to the collection company requesting that they validate this unknown debt. I notified them that this letter served as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC1692g ( Sec.809 ) that there claim for account # 's BUTV312 01, BUTV312 02, BUTV312 03, BUTV312 04, BUTV312 05, BUTV312 06, BUTV312 07, BUTV312. These accounts are being disputed and I requested validation for them all. I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. All letters were sent to XXXX XXXX XXXX XXXX, IL XXXX certified mail with signature required. All letters were returned to me by the carrier stating no one was available to receive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AL

Complaint narrative:
They will not listen or even give me the chance to tell them that this debt was included in a bankruptcy that has been closed for over 5 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: DriveTime
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: CA

Complaint narrative:
Case XXXX. Key refused to show me online I am supposed to have over {$530.00} and can't access. XXXX key executive was supposed to call back XX/XX/21 but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal I have to pay bills I received my Benefits there and Im having trouble withdrawing them I have to pay rent. This is not only happening to me but a lot of people i dont know whats the purpose on doing this when I verified my identity. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Borrowed XXXX from Tower Loan on XXXX XXXX. In XXXX, La. XX/XX/2019. Never missed a payment. XX/XX/2019, a hard inquiry on my credit report. I called to ask why, the girl XXXX couldn't answer. Asked her to please make sure it didn't happen again. come XXXX I go to buy a car at a dealership and there's ANOTHER inquiry from Tower Loan. I call over, this time furious! I begged them once again to PLEASE not use my social for anything! There was no need, I'm in the car buying process. XXXX offers to finance for me, I tell her ABSOLUTELY NOT. No thank you ... well unbeknownst to me, she refinanced my loan, then called me two weeks later and told me they lost my account folder and needed me to come in to re-sign all the documents. I didn't go right away I felt it strange. A few days later she called, needed my " LOST '' paperwork signed. I go sign the papers not knowing what she had done! I realize my balance increased after my payment yhe very next month. I called for 3 weeks spoke to 3 different reps, was told three different stories. Finally they tell me it's time to pay again, I refused until they told me why XXXX renewed this loan without my knowledge or approval. This guy XXXX tells me, '' that girl doesn't work there anymore & he has nothing to do with that ''. I requested 3 times afterwards to speak to a manager " XXXX " who was on vacation! He finally called, I explained everything, he told me she doesn't work there anymore & they can't do anything because I signed the papers. I asked for a supervisor, he ( XXXX ) told me I just didn't want to pay my bill! I get to the supervisor XXXX, I Tell him I'm about to call the XXXX & FTC because what his employee ( s ) did is/was against the law ... he apologized and told me, what XXXX did only cost me a little over XXXX ... 
I told him I never want to deal with that location or any employee after the way they cursed & treated me, he assured me I would not have to ... low & behold, they started calling me this month ( XXXX ) 4 days before I was due. I went to another location in person, they wouldn't accept my payment! I get an alert today, there's a hard inquiry on my credit report from them, TOWER LOAN ...

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I make minimum payment .They do charge my account 2 fees and some sneak in a late fee of $ XXXX {$27.00} late fee XXXX I'm on time. I was charged {$19.00} on purchases and {$22.00} on cash advances. .Thats over {$43.00} a month always it used to be {$60.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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:
Every complaint I have sent to TransUnion comes back with no results plus TransUnion is the only one that doesnt fix issues and doesnt allow credit score to raise eg. The score hoes up today 33 points and in 2 to 3 weeks with the same report no changes on account status or anything suddenly my score goes down 58 points. This is and has been happening non stop with TransUnion and it shows no progress on my part no matter how hard I try. It seems like a SCAM from TransUnion so that banks charge us higher interest rates and they get a commission.

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
WAYPOINT is claiming that I owe them {$220.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
First tech bank has reverse a dispute leaving me in negative - {$650.00} I have sent them proof of the valid dispute and they just dismissed it I tried fixing this problem for months I have pending deposits they already rejected a deposit. I trusted this bank and its causing me so many inconvenience. They have done nothing to help me resolve that issue even if I sent proof to them over and over again. They charged off my account even if there was a dispute investigation going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
An unauthorized credit transaction was done with my credit card as defined under 15 U.S Code 1602 ( I ) and there was a finance charge involved as defined under15 ( 1605 ). An alleged debt has been placed on my persons, which is a violation of 15 U.S.C 1692 ( e ), because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or 3rd parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt collectors have imminently invaded on consumers legally protected interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
My Coinbase was hacked and Hacker sells and withdraws money to an unknown XXXX account.. I made many ways to contact and made many cases but it very hard to wait, and has no responding other then ROBO replays. The hacker made unauthorized transfers were almost {$15000.00}. Hacker linked new XXXX accounts and sold all of my BTC and Ether with in minutes to USD, then transfer with in sec to unautorized XXXX. I contacted XXXX directly since Coinbase has no Live support, but XXXX can not do any actions, the case must contacted by Coinbase service,,. These are my Unauthorized items : 1 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$1700.00} from your USD Wallet. {$1700.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 2. ) On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 3 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your XXXX XXXX. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 4 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 5 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 6 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : Unknown. Lost confirmation email. 


I do not know how many funs will be lost more since now my Coinbase is lock out by reporting unauthorized. The Coinbase has security flows on Compromised unauthorized transfer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
i mailed letters to bearus but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
i wrote them letters, and got no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I received a phone call from Spring Oaks Capital Oaks Capital late XX/XX/XXXX. I requested communication through mail. I received a collection letter XXXX {$8600.00} XXXX dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. Spring Oaks ignored my request and reported the collection to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: AZ

Complaint narrative:
My XXXX XXXX account was sent to collections ( XXXX ). I made a settlement with XXXX and completed my installments in XXXX. I was told my XXXX account on my credit report would be updated to reflect the debt was settled. As of yesterday, it was not. I disputed. Experian only put my statement on my report and failed to verify with XXXX XXXX that the account was legally settled - so the status of the acoount remains the same. How is this even possible that they leave incorrect information on my 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 non-monetary relief