vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
First Letter sent to American Profit Recovery via USPS Certified Mail : XX/XX/XXXX American Profit Recovery, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : XXXX This debt is being disputed. 
XXXXXXXX XXXX XXXX  Contract was for six ( 6 ) services. 
Dissatisfaction with services provided by XXXX PA on XX/XX/XXXX and XX/XX/XXXX. Dissatisfaction was reported to company in writing and verbally to billing, XXXX XXXXXXXX XXXX XXXX XXXX. 
XX/XX/XXXX and XX/XX/XXXX services were inadequate and we asked for fees to be waived in writing and verbally. 
Conversation with XXXX XXXX in Fall XXXX to again request to waive XXXX and XXXX fees. XXXX stated fees would be waived. 
Credit was only provided for one ( 1 ) service ( {$250.00} ) and per conversation with XXXX XXXX, fees should have been provided for two ( 2 ) services ( {$250.00} x XXXX = XXXX ). XXXX explained company was going through a transition due to the death of the owner and that was the reason for the poor quality service provided. 
See attachments. 
This debt needs to be removed immediately. 
Complaints have been filed with the PA Attorney General againsXXXX XXXX and Consumer Finance Protection Agency against American Profit Recovery , Inc . 


XXXX XXXX Enclosures American Profit Recovery ( APR ) called again on XX/XX/XXXX and received second dispute letter on XX/XX/XXXX via USPS. Spoke to XXXX XXXX at APR. Stated his collection agency did not receive certified letter dated XXXX and is collecting the debt. 

This is harassment because we have sent the necessary information to APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Told company to stop contacting me, I refuse to pay. And to verify debt and provide how they verified on XX/XX/year>. 

Company stopped and almost a year later started calling, texting, emailing, multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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.
State: CA

Complaint narrative:
I sold my XXXX on Coinbase then transferred the {$270.00} to the cash account then accidentally transferred those funds to a closed XXXX XXXX account. XXXX automatically sent that money back to Coinbase. Coinbase says they did not receive it so the bank gave me a document to show them the transaction and they are still harassing me about it telling me they want an unedited XXXX bank statement showing the date of the transaction until the current date. Well XXXX cant print current statements on a closed account so now Im considering this theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have a monthly payment of around {$400.00}. Each month I electronically transfer the payment from my XXXX XXXX account to my pen fed account. I pay XXXX monthly thinking that I would be reducing the principal because the excess would be applied to the principal. Despite the fact I have made the request several times, Pen Fed applies the additional fund to the following months payment or interest. They told me if I wanted to pay additional on the principal, the only way I could do it was to send the money to my pen fed savings account first and then transfer it to my car loan. 

This practice seems to be an unfair practice. Pen Fed is aware that my intention is to apply the additional funds to principal, but has refused. It doesnt seem right that I should be forced to transfer funds into my savings in order have the funds applied to principal.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am writing to formally express my frustration and dissatisfaction regarding my recent experiences attempting to access my Robinhood account. Despite my repeated requests to update the phone number linked to my account, I have faced continual barriers that have left me unable to access my investments. 

On XX/XX/2024, I submitted a request to change the phone number associated with my account. This change was necessary due to change in cellular service for a new phone and it was meant to ensure my continued access to my account. I followed all the required procedures, including verifying my identity as per your guidelines. However, despite my diligent efforts and compliance with your protocols, my requests have not been addressed. 

Since my initial request, I have attempted to contact customer support multiple times through various channels, including the in-app support feature, email, and even reaching out via social media platforms. Each time, I have been met with responses that are either generic or fail to resolve my issue. Moreover, I have yet to receive any information regarding the status of my request, which has left me feeling ignored and undervalued as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding Equifaxs reporting of the Delinquency First Reported date on a specific tradeline in my credit report belonging to XXXX XXXX XXXXXXXX XXXX Despite multiple requests to correct this inaccuracy, Equifax has repeatedly reported inconsistent and incorrect dates, impacting my credit score and financial reputation. 

The Fair Credit Reporting Act ( FCRA ) mandates that all information in my credit report must be accurate, and by changing this date inaccurately, Equifax is failing to comply with this standard. These repeated changes to the " Delinquency First Reported '' date appear to be both erroneous and misleading, resulting in continued harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-07 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 cant seem to get through to a human on the phone so going this route to hopefully get this resolved. There is an inquiry still showing on my report that was not authorized by me as the consumer. It is preventing me from being able to use my credit. I demand they be removed immediately because they go against my rights as a consumer to report inaccurate & fraudulent information on my report.. XXXX XXXXXXXX XXXX Thank you for resolving this matter promptly

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 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
I parked in a spot in an office building. There was a sign to pay metered parking, which I did. This company is now sending me notices in the mail that I owe them money ( {$95.00} ) for parking in this lot. There are countless posts online about how these guys are a scam. Emails and calls to them are returned with vague and general comments that don't at all explain the situation. They continue to keep the file open in an attempt to scare and extort you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought a XXXX XXXX XXXXXXXX XXXX  on XXXX. Unfortunately, I needed to get a car for my wife to drive my daughter to school. I was give almost XXXX  % of XXXX. I made a mistake a accepted the " deal '' considering a refinance operation in the future. I have been paying almost U $ XXXX monthly. This week, I received the auto car statement and they charged me XXXX only for interest and around XXXX for the principal. This is simply and purely evil. How come that I am not even paying XXXX dollars to the principal but more than XXXX to interest? 
They do not provide any support by email because they only show phone numbers on its website. 
I need clarification and a fair treatment here, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
According to The Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b. 2. Company has also no permission to report anything using my information pursuant to 15 USC 1681 4

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 2024-11-07 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: TX

Complaint narrative:
Did not approve any of these inquiries and I need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive reached out previously to get them removed but had no reply.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I notified the XXXX, that I was a victim of XXXX  XXXX  and provided documentation of court order and attorney demand for action. I have ground and damages from this incorrect information being reported and considering a lawsuit. 
XXXX : XXXX XXXX XXXX XXXX, GA XXXX Experian : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX, PA 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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I notified the three, that I was a XXXX XXXX XXXX XXXX and provided documentation of court order and attorney demand for action. I have ground and damages from this incorrect information being reported and considering a lawsuit. 
XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX TransUnion : XXXX XXXXXXXX XXXX XXXXXXXX, PA 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 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: GA

Complaint narrative:
Credit Control , LLC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) in refusing to validate the debt that the company claims I owe to them. I issued a validation of debt and cease and desist order. Credit Control , LLC refuses to validate the debt as outlined in 15 USC 1692g.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The bank has for XXXX continuously reported information wrong on app and online banking that does not aline with reps on phone or bank office locations. When transferring money to 1 account is over withdrawn it marks all accounts overwithdrawn. 

I do not know what is correct in my accounts for over 6 months and have made recordings and screen shoots of the calls informed bank with no action taken. 

I have more documention then what is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, XXXX, XXXX and Transunion regarding my XXXX XXXX XXXX account XXXX In XXXX, this account was closed and the balance reached was {$0.00}. XXXXXXXX XXXX XXXX  allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, Equifax, XXXX and XXXX regarding my XXXX XXXX XXXX account XXXX In XXXX, this account was closed and the balance reached was {$0.00}. XXXX XXXXXXXX XXXX allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.

Company response to consumer: Closed with non-monetary relief