vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX  et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was denied a prepaid card. I have fair credit XXXX range in all 3 bureaus according to my free credit report. Wasnt given any explanation from AMEX -Serve prepaid card for denial. Thats false advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: WA

Complaint narrative:
I would love to send dates and times of transactions but the company SELF LENDER has not allowed me access. They are a financial company that helps build credit through various way. I advanced to XXXX XXXX of obtaining a secured XXXX XXXX of XXXX XXXX Somehow my card was allowed XXXX plus dollars to be charged. I did not agree to these terms. the card is secured with a XXXX XXXX. this brings up several problems. I have contacted them over XXXX times. they make it extremely difficult. they are not open on weekend and overall shady practices. they have not resolved my issues and it is ridiculous. For XXXX XXXX to be a company who is in business to help people rebuild there credit it hurts even more. During a pandemic. BEYOND A NIGHTMARE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I receive my Oklahoma Unemployment benefits on the Way 2 Go card. This is mandatory for all. You no longer have a choice to receive to your bank account or any other form. 

Complaint : 1. Took three weeks to receive my card. They apparently simply didnt send mine. Therefore I went without for a little minute because of the mistake. 

2. Paid {$15.00} for my card to be overnighted. Way 2 Go would say expedited but when receiving the card two days later I actually paid for overnight. Therefore they lied and this is now fraudulent since I paid for something I wasnt aware of nor did I receive. 

3. I paid and used my card for one day total before they decided to freeze my account and only pick and choose what was approved to be paid for. Which by the way was nothing. No atm withdrawls, no gas, no bills paid, no food for my family nothing. After one day total and after waiting almost a month to even get my benefits they decide to cut off my card. 

4. Fund transfers are not working. 

5. Set on hold for two hours 5 times with this company only to be hung up on when they decided this wasnt important enough for them to handle. 

6. Multiple fraudulent charges on my card now. Which I can not tell them about since they wont pick up the phone. Which by the way is also fraudulent since their rules for the card states anything fraudulent has to be called in within so many days and if not then they arent liable for 100 %. Only 50 %. So just by them not answering the XXXX phone they dont have to come my fraudulent charges!? 

7. I have set for two days trying to get this handled and they simply wont fix the card and take my calls on the fraudulent charges. So not only do I not get to use my own money because as of now they have taken it from me and wont let me touch it, they get to not comply with a nationwide order on fraudulent charges and they are stealing a government benefit?! 

Im contacting a lawyer by end of day today. Oklahoma is about to be on the map since they cant seem to figure out how to help people after they let some random company who apparently has been doing this for a few years steal their tax payers money. By the way calling the unemployment office does nothing, they tell you they can not help you. Period. End of discussion. 

Im going viral. Im going National. And Im not stopping until this is fixed and Im compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: LA

Complaint narrative:
Experian did not send me a validation letter to XXXX XXXX and XXXX  need the original contract with my signature to prove its my debit need it remove off my credit report XXXX XXXX and 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 2021-03-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the XXXX Department, XXXX XXXX Bank, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.

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 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello - this is my second complaint regarding this issue with coinbase keeping my funds locked in a vault that I do not have access to. 

In the initial CFPB complaint, XXXX, coinbase responded with an apology and {$15.00} on XX/XX/2021 with a resolution of moving the funds from my vault to wallet under the existing support case. 

Now as of XX/XX/2021, coinbase closed my support case XXXX without moving the funds from the vault to my wallet, as promised. 

This seems like clear retaliation for opening a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
Approx XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX I Attempted To Contact XXXX And Acima Credit FKA XXXX XXXX XXXX About An Account Thats Reporting Inaccurately On My Credit Report And Have Received No Real Assistance In Resolving This Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX my father passed away. I asked GM Finacial for a brief extension or payment deferment due to death of an immediate family member. I made up the deferred payment XX/XX/XXXX. But according to my credit report it was listed as a missed payment that month. And on my transunion it says I missed a payment again in XX/XX/XXXX when that lease matured in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: LA

Complaint narrative:
I submitted a complaint to Transunion in early XX/XX/2021 and to cfpb on XX/XX/2021, about Transunion 's arbitrary lowering of my credit rating on XX/XX/XXXX, by more than 100 points, with no explanation and no no information change on their credit report of me as posted on XXXX XXXX, and as reviewed on the Transunion site, by me. I was assured by cfpb that Transunion was reviewing my complaint. After a full month of damaged credit which was eliminated the possibility of my applying for car credit, at all, I still see ny explanation for the 100+ drop and no communication other than robo stuff from either Transunion or cfpb. 
I can only conclude that neither Transunion nor cfpb are the slightest bit involved in fixing what has become a crisis for me. So much for our tax dollars.

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 2021-03-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the Finance Department, XXXX XXXX XXXX, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.

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 2021-03-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the Finance Department, XXXX XXXX XXXX, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
ARS LLC offered a settlement and agreed to remove the account from my credit report which I accepted and paid. The best was removed. ARS LLC waited two years to add the debt back to my credit report as the balance that was deducted from the original amount by them as art of the settlement. Original debt was from XXXX XXXX XXXX Settled and removed for XXXX. 
ARS new debt reporting from 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 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2020 I got summoned by XXXX XXXX circuit court to pay a debt for midland credit management inc. I didnt not have the funds for this debt and have been only only receiving unemployment benefits per my Job closing temporarily due to covid. I felt pressured to pay given I was also pregnant at the time and didnt want to lose my only income to be able to provide for my son and soon to come daughter. The total amount they were suing me for was {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Colony Brands, Inc.
State: TX

Complaint narrative:
When I had COVID they agreed that the account would not be reported late for XXXX of 2020 failure for this company to correct there promise will result in me taking the full action allowed by the CARES act of the UNITED STATES OF AMERICA and I wil discontinue any future payments until a resolution is decided by the local courts of law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-01 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.

Complaint narrative:
Cojnbase has stolen money from me, I have converted ethrum currency via their app and stored it in their wallet on XX/XX/2020. 

However that amount is missing from my wallet, I have sent 3 written complaint to the company and have just received their automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-03-01 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: CA

Complaint narrative:
XXXX XXXX XXXXE XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
I was in a COVID-related forbearance plan in 2020. I came out of that plan in XXXX and have been attempting to work with the company on a loan modification to bring my account current, but I do not get consistent or straightforward answers from representatives with the company. On the occasions I am able to get in touch with a representative, the answers I receive often dodge my actual questions and are frequently in direct conflict with answers I receive from other representatives. The few representatives whose direct extensions I do have, which would enable me to speak with one person familiar with my account, do not answer calls and do not return voicemail messages. The company has also refused to provide documents in a reliable way ( i.e. only sending via the post office, which has known issues at this time, and refusing to post the documents in duplicate electronically XXXX. This morning, when I attempted to make a regular monthly payment, my online account with the company stated that I was unable to do so and claims that my account is delinquent, which is untrue and in conflict with information I have received in the past. 

XXXX 's attempts to misinform, frustrate, and avoid me as I attempt to bring my account current are inappropriate at best and potentially unlawful at worst. I have tried to avoid submitting a complaint, but at this time I am forced to do so, as the company appears no longer willing to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX  XXXX balance {$64000.00} BANK OF AMERICA XXXX balance {$5700.00} PXXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

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