vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of Identity Theft I have contacted Transunion asking for validation of numerous items they are claiming are derogatory on my credit report they are claiming is mine on XX/XX/2021 via XXXX mail. Until this day I have not been provided a response I have mailed a letter to experian demanding validation and according to the FCRA experian has 30 days to reply. The date is now XX/XX/2021 according to the law they have had more than the allowable time to reply and failed. I now ask that the CFPB take matter into their hands and delete the negative items they are reporting on my report. Attached is a highlighted letter highlighting the numerous negative items on my report using the EOS language that I also sent to Transunion. I again request a deletion of all negative items they have been unable to verify this is causing me financial harm my next step is to fail a lawsuit against I companies involved.

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 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Iv been a vikum of tdenty theft sens XXXX I got out XXXX  XXXX XXXX rollers was stolden out atm juge did not stop payment found guilty got out XXXX been paying on this sens then XXXX month trued to filled small clames XXXX in need of money 's with this coronavirus going on moved to XXXX arizona was were I was born XXXX and houked up a Post and scan mail box because was beening harassed by ssa employees and law no nosey showed up at the place mail was lost stolden bank account was clouesed and now got to go to ssa to fix it open new po box and found frod on my berthcatefiket XX/XX/XXXX and names and dates that was stolden at XXXX  years old that just got back in XXXX  no in 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 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have over {$400.00} of crypto currency with Robinhood and they will not allow me to sell and close out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an offer for {$45.00} cashback when I signed up for a new XXXX XXXX XXXX account. On XX/XX/XXXX, after ensuring I activated the offer, I signed up for the new XXXX XXXX XXXX account. Since it's been more than XXXX billing cycles and I didn't receive a cashback, I contacted Discover. They told me I did not activate the offer, despite getting the message that I did activate the offer. 

I opened a complaint with XXXX this month. This time, Discover said I did activate the offer, but that I was renewing my membership rather than creating a new membership. I've never had a membership with XXXX XXXX XXXX, so I don't know how they can say that I was renewing a previously existing membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported a late payment for XX/XX/2021. After numerous calls over the past few months and a tech case XXXX. Although it showed there were issues with the bill pay and how the bill was generated and sent to me, Bank of America is still allowing that to remain on my credit report. Despite many years and a consistent history of me paying on time. The first time I called, there was no action taken by BOA despite them telling me they were going to research the issue and I should hear back in 30 days. After that period, I had to call in just to find out that nothing had been done to which I waited another months time to try to get any answer and resolution. During that call, it was established there were some technical issues going on and I was transferred to tech support. Tech support was not able to fix the issue while on the phone and a tech ticket had to be submitted. I was also told that a case was being submitted regarding my dispute with how it was reported on my credit file. I received no new information and called several times. I was told that I would received a mailed letter of the resolution within XXXX week however never received. I had to call again today, XX/XX/2021 only to be told that they are going to allow the late payment to remain on my credit file. Despite apparent technical issues and a tech case to correct that.

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: XOOM CORPORATION
State: WA

Complaint narrative:
I transferred money from my XXXX account to the card and once it was rejected by the card I am immediately cancel the transaction and the company will not give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: XOOM CORPORATION
State: SC

Complaint narrative:
{$510.00} was fraudulently taken from my bank account by XOOM ( a global money transfer scheme operated by XXXX before the incident I had never heard of XOOM and have no account with them the fraudulent action was taken via my Debit Card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 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: OR

Complaint narrative:
About XXXX months ago, I responded to a message from XXXX XXXX XXXX to receive credit reports weekly, for free for XXXX months. I have not received anything, not even confirmation. 

Im feeling like Ive been taken and wish to correct this and limit any risk or exposure. With no response from the company, I think I need your help.

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX  immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: NY

Complaint narrative:
The CRA is not doing any investigation into this fraudulent debt. 
They are only verify that my info matches with the fraudulent inf listed on the account. 
That is not doing an investigation that is only verifying my personal info to the fraud account info. 
The CRA is still reporting this fraud information on my report. 
This is the only CRA that is is still reporting this fraudulent account. All others have did a proper investigation and have removed all fraudulent info but you. 
Please conduct a proper investigation

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, On XXXX XX/XX/2020, I deposited XXXX $ On ATM at Bank Of America XXXX XXXX XXXX XXXX XXXX CA XXXX. The atm took my money and sent out a paper that said we are sorry and we cant continue the process also we cant return the money! So, nothing showed in my account and money got disappeared in the machine, now is 4 months and nobody is responsible for the missing cash that I deposit.

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 2021-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im submitting this complaint on the Decline Letter i received, i'm sure the ADVERSE ACTION LETTER will be coming in the mail soon by law, I had to screenshot due to LIGHTSTREAM not allowing any kind of downloading from the email they sent so i apologize for that.

LIGHTSTREAM has stated they obtained my credit score from my XXXX  report and under the fair credit reporting act I'm entitled to know the information provided to them. I have thoroughly read over the FCRA and I did not find anywhere in that subchapter of a denial of credit in the adverse action section. So I'm confused as to how LIGHTSTREAM denied my Personal Loan? What is credit? The term credit means the RIGHT GRANTED by a creditor ( refers only to a PERSON who both regularly extends, whether in connection with LOANS ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have the right to extend myself credit and use my open ended consumer credit plan.

LIGHTSTREAM has run my credit report and my credit card ( social security number ). I have proof from the Inquire I received on my report, making this a consumer credit transaction. A consumer credit transaction is primarily for PERSONAL, family, or household purposes.

I've explained where the credit comes from ( me ). I've explained how there shouldn't be any denials of credit ( extend myself credit ). Ive explained how all of LIghtStreams denial reasons are not found in the FCRA.

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/2021 I received a Debit Card in the mail with my name on it from XXXX XXXX by XXXX. I never opened an account with this bank. I attempted to contact customer service first by the contact form on website, it lead to a 404 error. I called the number next, I either had to enter my card number in which it wanted to activate the card or enter my Social Security Number. I could also report lost or stolen card options. I tried staying on the line or pressing 0. These led to not a selection or hanging up. I did some searching and lot 's of people complained about the bank and other flatly said it was a SCAM to get you to give you your information or deposit money into the account. The mail looks very legitimate. The company even has apps on XXXX XXXX and XXXX XXXX. I would NEVER trust a bank that sends me a debit card I was not expecting or a new account I did not set up.

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 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: eToro USA LLC
State: CT

Complaint narrative:
I opened a crypto coin trading account on www.eToro.com and have had nothing but problems both funding and withdrawing from my account. 
I have been getting the run around trying for about a month now to withdraw my funds VIA wire transfer. 
They, eToro has me worried about stealing my money now.

I have had multiple e-mails with support and a couple online chats that have not resolved my problem. I have been to my bank at least three time getting requested information concerning the wire transfer for my withdrawal.

My latest e-mail and chat attempts have been ignored. 

I started with {$5000.00} wire deposit XX/XX/2021 and since deposited {$300.00} XX/XX/2021 via debit card. I decided just to close my account XX/XX/2021 and initiate all my remaining withdrawal of {$4600.00}. My money was taken away from the available funds in my account and has since been in limbo. 
I submitted the new routing information eToro support requested and was assured that my funds were to be transferred XX/XX/2021. I did not receive it as of yet XX/XX/2021 and attempts to communicate e-mail and online chat has been ignored or unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: MS

Complaint narrative:
on XX/XX/2021 I mailed a letter about questionable accounts on my credit report. It has been past the time that the FCRA allows for an investigation and I still haven't received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax XXXX XXXX have failed to accurately report and remove fraudulent accounts from my record. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. As a result during the period of my XXXX  multiple fraudulent credit card accounts were opened in my name. Three XXXX XXXX XXXX accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Master Card {$9800.00} & XXXX XXXXXXXX {$5800.00}. These cards totaled over {$33000.00} in fraudulent debt resulting from identity theft. XXXX  department store credit card {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit card totaling {$4800.00} in fraudulent debt resulting from identity theft. I submitted the required documents XXXX police reports, letters from XXXX XXXXXXXX XXXX multiple times to transition bit they have failed to act appropriately on my behalf. All of the accounts listed were opened between the periods of XXXX and are all a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX of 2020 I received an email soliciting an " offer '' from Discover credit card. It said If I registered to XXXX 's XXXX  and use my Discover Card..I 'd get a {$45.00} credit.I activated this offer and went to XXXX XXXX on XX/XX/XXXX ( the offer expires XX/XX/XXXX ). XXXX 's XXXX activated my account and I paid {$45.00} to XXXX XXXX XXXX because that's what Discover told me to do in order to get a {$45.00} statement credit from Discover. After that, I spent over {$600.00} at XXXX XXXX XXXX over the next few days. However i never received my {$45.00} statement credit from Discover. I called in XXXX and was told my Discover rep that it takes 2 billing cycles. So I decide to wait 4 billing cycles. I called today, XX/XX/XXXX and spoke w a rep who advised that I didnt get the credit from Discover as " XXXX XXXX XXXX " forgot to register me and Discover needed me to call XXXX 'XXXX XXXX and correct this. She advised thar once I do that to call back and ALL the notes were in the system in case someobe else annswered. She said that by callinf Idsocver bsck AFTER calling XXXX 's XXXX, I'd get my statement credit. I asked the rep many times why i needed to do that as it didnt seem to make sense. It felt like " brush off ''. But, the Discover rep assured me once i did that and called Discover back to confirm i had done that, then Discover would be able to provide me w my long overdue {$45.00} Statement Credit. 
I called XXXX 's XXXX and explained the situation. He asked me a few questions and then told me " you're all set Mr.XXXX we now have you registered. Its odd since you were already registered and already made multiple purchases at XXXX XXXX XXXX  AND you used your Discover card each time '' I called Discover and spoke to a new rep. She advised a conflicting report and none of the notes the previous rep wrote were there. I couldn't believe my ears. The first Discover rep gave me a clear/concise set of instructions on what to do in order to receive my credit. The 2nd rep and her subsequent manager made NO effort to even understand my case and immediately admitted she knew that Discover and XXXX 's XXXX made an error that she couldn't help me. Her name is XXXX XXXX of XXXX, AZ. In the end, regardless of any mistakes or blunders caused by XXXX, Discover or XXXX 's XXXX i did what I was required by Discover to do in order to receive my {$45.00} statement credit. They enticed to go out and spend money at a specific business and for that, they would reward me. And now they dont want to pay and people like XXXX XXXX of XXXX, AZ make smug comments and tell me she and Discover could care less about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I have a timeshare membership through XXXX XXXX. They sent my maintenance fee bill to an address not used in 15 years, although having my correct address on file. 

It was then sent to Monterey Financial Services to collect on the debt. I received no notification in writing that this money was due or in collections from XXXX or Monterey Financial Services. 
I did receive an email and I quickly followed up with a phone call to XXXX XXXX - XXXX, ext XXXX. No answer. I left him a voicemail asking what this was about and asked for a call back. I never received one call back from them. 

In XXXX of XXXX I called Monterey Financial back and spoke to a general call center rep who took my payment, along with late fees for the amount of {$730.00} for account XXXX. To date ( XX/XX/XXXX ) I still have not received proof of payment/receipt via mail or email. I have called and emailed Monterey Financial with no response. 

My credit has been negatively impacted, showing a collections although the amount has been paid, and furthermore, my over 20 year old membership with XXXX is still " on hold '', and has not received my payment from Monterey Financial. I have paid but it is not reflected in my credit nor with XXXX. 
Please help. Thank you. 
XXXX XXXX XXXX XXXX XXXX

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to Equifax. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

XXXX XXXX The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

XXXX I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

XXXX XXXX disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation