vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021 Bank of America froze my account because I received a check from FEMA. The amount was XXXX. They froze my account because it came under my daughters name. I have tried to complain about my money to Bank Of American. I went in person and I called. But its always the same response we cant do anything it the banks rules. It has been 2 years but Im still going to keep fighting for my mom because it is money from the state. I suffered from the hurricane IDA and its not fair because they have the money and they dont want to give it back. I lost everything in my house.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I feel victim to investment scam for an amount of {$15000.00} during the period of XX/XX/XXXX to XX/XX/XXXX by a company called XXXX XXXX. 
XXXX XXXX made their company seem like a legit investment company however this was not the case. 
Please refer to the attachment letter for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX  at Citi Costco Card, XXXX requires that I receive a text message in order to complete the purchase of airline tickets at XXXX XXXX. My land line telephone can not receive text messages. Consequently the purchase of the airline ticket is denied. I routinely buy airline tickets from American and other carriers. According to XXXX, XXXX initiates the pop-up window explaining the code to be texted, that then must be entered to complete the purchase. 

The problem, I can't receive a text message with a code. The purchase does not execute. 

XXXX has plenty of protections to void any fraudulent transactions. But I shouldn't be denied the routine purchase of airline tickets at XXXX XXXX. 

My XXXX card is the Citi card with XXXX. XXXX is doing a disservice to those that don't have a mobile phone when making an airline reservation or other purchases. I have asked XXXX to prevent this from happening on my card, but they seem unable or unwilling to do so. They are not protecting me with their pop-up process. They are denying me the ability to make a routine purchase with a vender that I use on a regular basis. I have to call XXXX XXXX and explain the problem every time I make a purchase. 

XXXX wishes to call it fraud prevention, it is really an unnecessary inconvenience for good consumers that pay their bills on time. 

I'm discriminated against because I simply don't have a mobile phone when making a purchase. I have a high credit rating and pay all my bills on time. Maybe I need another credit card 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I paid the XXXX account through TrueAccord and received a settlement letter. However, the XXXX hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with XXXX several times, but without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid the XXXX account through XXXX and received a settlement letter. However, the XXXX hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with Experian several times, but without success.

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 2024-05-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
Toyota motor credit Account number : Account Number XXXX XXXX XX/XX/2021 payment was late because the phone application deleted autopay information. I was under the impression that the payment had gone through until I got a late payment letter. I have never been late on this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: CA

Complaint narrative:
i received a letter from nelnet on XX/XX/XXXX, 2024. im not paying " you '' department of education because another " government agency '' ( according to the cfpb ) the federal reserve has defrauded me. they are refusing to return my collateral as they are currently bankrupt and in open default, so im not making any payments to anyone from the interest. XXXX. stop contacting me. bitcoin now or if you dont have my bitcoin then XXXX. we have nothing to talk about. also arrest XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized inquiries and/or fraudulent accounts opened in my name. I'm writing to inform you that, according to the Fair Credit Reporting Act ( FCRA ), these unverified and unauthorized items must be removed from my report. I request that you investigate and correct this information immediately, as the FCRA legally requires the removal of such inaccurate and fraudulent data. Please take prompt action to rectify this situation and protect my credit integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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 have some inaccurate names addresses phone numbers on my credit report years back I was XXXX for tickets in my name from identity theft I was XXXX out of XXXX XXXX XXXX was done my social and ID were being used Im still seeing my social security on a dark web I made an identify report with law I need these inaccurate information please assistance is needed in removing this inaccurate information Thankyou

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 2024-05-02 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 have some inaccurate names addresses phone numbers on my credit report years back I was XXXX for tickets in my name from identity theft I was XXXX out of XXXX XXXX XXXX was done my social and ID were being used Im still seeing my social security on a dark web I made an identify report with law I need these inaccurate information please assistance is needed in removing this inaccurate information Thankyou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: FL

Complaint narrative:
Hopefully this situation can finally be rectificed. Theres an account currently owned by NAR. That has continued to be reported on my XXXX  credit report. This is not my account. i initally reached out to XXXX XXXX who advised me they purged their records and have no record of this account reporting. I was told that XXXX owns this account. THE ACCOUNT NUMBER IS XXXX {$1300.00} PLEASE REMOVE THIS ACCOUNT, IVE EMAILED THIS COMPANY AND RECEIVED NO RESPONSE, OR RESOLUTION. I HAVE ATTACHED AFFIDAVIT AND POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, which is what Experian did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 

15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 

15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( XXXX ) Under the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for CapitalOne QuickSilver credit card and I was browsing using this link XXXX XXXX XXXX The card is advertised as : Earn unlimited XXXX  % cash back on every purchase, every day. Plus, a {$200.00} Cash Bonus. 
New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within XXXX  months from account opening. 

The card arrives but I did not see any information regarding the {$200.00} bonus mentioned. I called and spoke to a CSR who informed me that is a different " level '' of card ( even though the card I have and the card on the webpage looks exactly the same ) and wasn't able to help. 

The call got escalated to a supervisor who informed me that the card is for " excellent credit only ) Even though in my Capital One portal it says that my credit is " excellent ''. '' I informed them that if I didn't qualify, they should've mentioned it during the application process and not wait until the card is approved before telling me that. They couldn't escalate any further and refused to help. 

I attached a picture of my card as well as my credit " level '' in the CapitalOne portal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MI

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : Accounts : 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 XXXXXXXX. PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED. 
THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.

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 2024-05-01 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: MI

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : Accounts : 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 XXXXXXXX. PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED.

THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX a trade a XXXX  into the deeler. XXXX XXXX XXXX  for a new XXXX normal process everything was great deeler take a responsibility to paid my loan on the old car. Amd 6 months late l have a call from Truist Bank about be late 6 months. Im explaining everything a this time shes going to invest more details. Later the same week shes ask for any help to get more information About the deeler because bank still not getting the money. Well shes gree with me about this mistake. I was aware was on XX/XX/XXXX sent me to the credit under XXXX dlls not paying. I have all documentation to prove they mistake but my personal lives changed since the day l got my credit so bad by someone mistake

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 2024-05-02 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: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony bank decided to start charging customers a fee to receive store credit card paper statements by mail. However, Synchrony 's website will not allow customers to change to paperless electronic statements. Despite this website issue, Synchrony keeps sending notices pretending that customers can change to paperless statements to avoid the fee. This is clearly a scam meant to fleece every customer in small nuisance amounts so Synchrony can steal money without facing repercussions.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: AZ

Complaint narrative:
I purchased some items from XXXX online and use Klarna. I received the item, but had to return it because the size was incorrect. I provided Klarna with the receipt, provided them with proof from XXXX that it was returned, yet they continue to taking money from my account with out permission for this " debt ''. They took the money from my account 15 times since XXXX of 2023. I ended up disputing it with my bank, yet Klarna continues to attempt to collect this debt. Now they have hired a debt collection agency to collect a debt that doesn't exist. Despite me having proof of return. I have attached a copy of the return receipt and the email exchange between myself and their despite department where I provide the proof, yet they reactivate the need for payment anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATIONTHAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX  THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
There is a pending underwriting review for a new mortgage assistance application that has been assigned underwriting review since XX/XX/year>. We have yet to receive any communication and have made multiple attempts to call XXXX to speak with the mortgage assistance team. Each phone call forwards to a voicemail for an agent named XXXX. Although a voicemail has been left by both myself and the primary borrower we do have not received a call back to be able to obtain information about the status of our review. I attempted calling to reach a customer service agent but was transferred to the same line that went to voicemail. We have been struggling to to get in contact with PHH to get information about the current review and I am not sure if it is retaliation for filing the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. Thereis not a possible way a debt can be validated under 15 U
.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX. XXXX fraudulent account XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
ACCOUNT WAS INCORRECTLY REPORTED DELINQUENT. PAYMENTS WERE MADE AS AGREED VIA AUTODRAFT THAT WAS SETUP BY THE CREDITOR. HOWEVER THE PAYMENTS HAVE BEEN REPORTED LATE AND DELINQUENT.

Company response to consumer: Closed with explanation