vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against NCB Management Services regarding their aggressive and unlawful debt collection practices, which have had a detrimental impact on my financial well-being. Additionally, I am revoking all authorization for NCB Management Services to communicate with me via email, text, or telephone calls. 

NCB Management Services has failed to provide validation information for the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place this collection on my consumer report, causing significant distress and harm to my financial standing. Furthermore, I have not been given an opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

It is evident that NCB Management Services has violated my consumer rights by engaging in false, misleading, misrepresentation, and deceptive means during their debt collection efforts. Their association with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a company with a history of legal action for similar violations, raises serious concerns about NCB Management Services ' compliance with consumer protection laws and regulations. 

As per the recent federal lawsuit against XXXX, which alleged the denial of early motor vehicle lease terminations to servicemembers entitled to them under the XXXX XXXX XXXX XXXX ( XXXX ), it is clear that predatory behavior within the debt collection industry is rampant. XXXX 's previous settlement in 2015, where they faced allegations of repossessing vehicles without a court order, further underscores the systemic issues within the industry. 

In light of these violations and associations, I dispute any and all debts allegedly owed to NCB Management Services and demand a thorough investigation into their practices. Additionally, I request full and proper validation of any debts claimed by NCB Management Services, including documentation of the alleged debts, the purchase agreement between NCB Management Services and the original creditor, and proof of their licensing and bonding status. 

I demand that the Consumer Financial Protection Bureau take immediate action against NCB Management Services to ensure compliance with consumer protection laws and regulations. Furthermore, I request that any collection activities related to the alleged debts be ceased until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I eagerly await updates on the status of my dispute and the actions taken by the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX XXXXXXXX Incorrect Address - XXXX XXXX WAY XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX XXXX FIN - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX MOR - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX, LA, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX  XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I requested a balance transfer of {$5000.00} from my citi credit card to my XXXX credit card on XXXX XX/XX/XXXX XXXX I never got the money. I opened multiple disputes in either side ( Citi and XXXX ). Citi bank said they would investigate the case and all I get is a receipt saying XXXX had received the money. XXXX also said they would start an investigation, then XXXX requested me a transmittal form from citi with the account number where the money was sent. Citi refuse to disclose the information and all I keep getting from them is the recipient with customer Id and tracking number. XXXX says those information werent sufficient to conclude the investigation. It is been 4 months that the back and forth has been going on, and I still dont have the money.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are incorrect and do not belong to me. I would like them removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX : I was staying at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I felt not only that its rates were too high, but incidentals were added to the base rate. So, on XX/XX/XXXX, I call around for a cheaper place to live. I called XXXX but the call was intercepted by a booking agency. The agent whom I spoke to said the agency represented XXXX. I asked for a quote and the agent quoted me {$1000.00}. When I decided to book, the quote was no longer {$1000.00}, but {$1900.00}. I protested and the agent told me that she has to bring the tape of the reservation conversation to " upper management ''. She said " upper management '' would listen to the tapes and decide. She'll call me back with their decision within a few hours. I knew that was a lie. More than 3 hrs. passed, affirming my That too was a lie. It was Sunday ; plus, the evening was rolling in. Without a decision on the tape, to me, XXXX reservation had ended. To the booking agent and XXXX, it had just begun. The two colluded to book me at {$1900.00} without ever notifying me, without my authorization. I never agreed to a rate ; I never signed any papers. There was never a " meeting of minds ''. Nevertheless, on XX/XX/XXXX a charge of {$1900.00} appeared on my XXXX checking account statement. It was reversed XX/XX/XXXX ; and a complaint was filed. On XX/XX/XXXX, it was reversed again, meaning I had lost the case. I should never had lost because I provided the preponderance of truthful evidence ; XXXX, on the other hand, produced fake documents. XXXX sided with XXXX. I asked XXXX : Why would I booked and moved to XXXX at a higher rate than the XXXX was charging. That defies logic. XXXX did not answer, avoiding self-incrimination as idiots. Also, defying logic was my paying for two rooms for one person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX LOANMART Account info Account name XXXX LOANMART Account number XXXX Account type XXXX XXXX Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$870.00} written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3000.00} Highest balance - Terms XXXX Months On record until XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Dear Sir/Madam There was a fradulent activity on my coinbase account ( cryptocurrency ) on XX/XX/XXXX, 2 sale transactions ( of bitcoin/ethereum ) were done and the money from proceeds were withdrawn to some random bank accounts. I had called coinbase the same day, but they didn't do anything other than locking my account. When called back on XX/XX/XXXX is when they raised a support incident to investigate. They found the IP Address from which this was done. but not willing to take any responsibility for the incident. It was a hacking by someone in XXXX arizone and i didnt approve any new device as far as i know from my side. i raised a compliant with coinbase to provide further details to recover the money- but they have closed the incident and complaint saying its their final response. 

I swa XXXX transactions in my account which was performed by someone else. ( XXXX sale transactions and XXXX withdrawals on the same day within XXXX minutes ) 1. Sold XXXX - XX/XX/XXXX - XXXX $ Ref code : XXXX XXXX. Sold XXXX - XX/XX/XXXX - XXXX $ Ref code : XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX withdrew the funds within XXXX minute- XXXX $ ( Reference code : XXXX XXXX. XXXX XXXX bank account ending in XXXX withdrew the funds within XXXX minute - XXXX $ ( Reference code XXXX XXXX ) XXXX. XXXX XXXX bank account ending in XXXX withdrew the funds within XXXX minute - XXXX $ ( Reference code : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Oct/Nov 2023 : MR. Cooper sent me an email notice asking me to check online message regarding my monthly payment for the 30-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my MR. Cooper login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called Mr. Cooper and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of $ 6229 monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If Mr. Cooper spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, Mr. Cooper called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish Mr. Cooper to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by Mr. Cooper. They do nothing to protect consumer 's interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX and XXXX account # XXXX and XXXX  account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX and The Federal Trade 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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX and XXXX account # XXXX and XXXX account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX, and The Federal Trade 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 2024-03-02 00:00:00
Product: Credit reporting 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 did not open these accounts. Please remove all of these off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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:
I did not open these accounts. Please remove all of these off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Sage LLC
State: KY

Complaint narrative:
XXXX XXXX Was attempting to reach a collections company. XXXX misrepresented themselves, posing as a collections agency. Following a very predatory and misleading conversation, they coerced me into signing what I thought was a contract to settle a debt. They instead enrolled me into their Monitoring service, XXXX, and the XXXX XXXX repair program and now refuse to cancel the accounts. This is illegal. I have requested a contact for process of service and a will be drafting a filing for DE district court. Please use whatever CFPB resources necessary to stop these people from additional predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In late XX/XX/XXXX, I redeemed XXXX  points with an incentive program and received XXXX ( XXXX ) American Express Reward Cards ( Virtual Cards ), each with a value of XXXX XXXX dollars ( {$100.00} ). The directions on the card state that they may be used for " online, telephone and mail order purchase. '' I have tried no fewer than 20 times to use these cards at a variety of vendors including national stores such as XXXX XXXX, and XXXX, and online at other local stores. Each time, the card is declined. I am very specific in trying to place only {$100.00} on each card. 

I have called the customer service number on the card ( XXXX ) which is American Express Prepaid Customer Care at an overseas call center. I have sought assistance on approximately 8 occasions and I am told a variety of things : that the card has value ; that I should try another merchant ; that the card works. After failed attempts to charge {$100.00}, I call the customer service number to complain and get assistance. Sometimes they tell me that a {$0.00} hold is on the card that that is why my charge of {$100.00} does not work. Thereafter, I try to charge a lesser amount, and that also does not work.

I have spent man, many hours on the phone with Customer service at American Express Prepaid Customer Care and routinely my call is dropped after being on hold or transferred to a supervisor. I have a case # for my difficulties : XXXX XXXX. To date, customer care continues to tell me the cards work, but they are not accepted by any vendors online, via telephone. 

I want the value of the cards, which have an expiration date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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