vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an erroneous debt on behalf of Galaxy International Purchasing , LLC with The XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that Galaxy International Purchasing , LLC was not my creditor and that no debt was owed to Galaxy International Purchasing , LLC. Additionally, Galaxy International Purchasing , LLC was removed from my credit reports. XXXX XXXX XXXX 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with The XXXX XXXX XXXXi and the balance amount owed of {$1600.00}. Wherefore, Galaxy International Purchasing , LLC  is not my creditor and no debt is owed to Galaxy International Purchasing , LLC. I had no prior lender relationship for the account ending in XXXX with The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXX wiith financing through Ally. My monthly payments were XXXX ( est ). i began paying XXXX since XX/XX/XXXX and haven't been late since XX/XX/XXXX and have gotten to where I have XXXX due for months but continued XXXX make payments. Then when I chose to not make a payment. They send a bill for a regular payment. I was curious as to why my XX/XX/XXXX statement had the same remaining balance as my XXXX XXXX had a statement/letter sent back in XX/XX/XXXX and have not received a response yet. I have however continued to make my monthly payments but I haven't received any invoices with as I was before. Nor have I heard anything from Ally in regards to this matter

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 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I was contacted by XXXX XXXX XXXX stating I owe a debt for a military star card from XXXX. I know for a fact this is not true because it was paid off through my XXXX  wages. They stated that AAFES sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX  for {$700.00} and told me I have to pay them {$1700.00}.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom this may concern, I am reaching out about a XXXX XXXX Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to XXXX and Equifax multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. Experian results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from XXXX with inaccurate results. Equifax has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to XXXX XXXX XXXX XXXX directly and they are completely neglecting the issue at hand. 

XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to EQUIFAX that I mentioned in the paragraph above along with receipts that require electronic signature from Equifax upon arrival. These exact same letters were also sent to XXXX but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: CA

Complaint narrative:
To whom this may concern, I am reaching out about a XXXX XXXX Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to Experian and XXXX multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. Experian results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from Experian with inaccurate results. XXXX has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to XXXX XXXX XXXX Services directly and they are completely neglecting the issue at hand. 

XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to XXXX that I mentioned in the paragraph above along with receipts that require electronic signature from XXXX upon arrival. These exact same letters were also sent to Experian but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/22 I had logged into my Home Depot XXXX XXXX account for a purchase. 
Home Depot promoted their pro account revolving card. 
I do no own a business. I was looking for a credit card for myself and thought just because I had a pro rewards it wouldnt be commercial. I followed to application process and got the approval. 

After the approval I realized I was in the wrong card and contacted Home Depot within 3 business days. I contacted Home Depot to inform them of the mistake and speak with their credit department and discovered this was in fact a commercial credit card. I requested they change the card to a pro rewards consumer card however that did not seem to be an option. 

After speaking with representatives I decided I may be able to use this card. However the credit limit I received was only {$1000.00}. 
I requested for a credit limit increase that would be more suitable. I spoke with several representative from Citi to determine how I was only approved for {$1000.00} I have a XXXX credit score / making {$100000.00} year. 
They indicated the credit application asks average monthly Home Depot Spending I input {$1000.00}. The credit resolution representative advised me thats the language they use to imply requested credit limit Once I found out I was mislead and the credit application was worded I got angry and asked how I can get out of the credit card. 
I was told other than closing the card there was no way. 
This would negatively impact my credit score/credit report for an all around terrible experience being mislead and misrepresented by Home Depot and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were over 60 unauthorized XXXX  purchases made by my XXXX year old son for digital in game currency and items through the XXXX XXXX. These were not authorized transactions. My son figured out the password and proceeded to impulse buy. Some purchases were upwards of {$400.00}. Since I found out, I deleted the games off my wife 's XXXX and reached out to XXXX and Chase. The total purchases amount to around {$5200.00}. Both XXXX and Chase have declined to reimburse the charges even though I informed both they were unauthorized charges made by my XXXX year old son. The total amount of {$5200.00} is staggering to say the least and it is unfair business practice for neither XXXX nor Chase to notify my of such unusual account activity. I have attached the following correspondents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: ME

Complaint narrative:
I recently looked over my credit report and found a lot of unauthorized inquiries that I did not authorize. I contacted TransUnion and tried to get them removed, but they did not remove them. I tried to explain, that if they looked at the dates you can clearly see that someone has breached my personal information. The pattern of dates shows that someone was trying their best to get something in my name. Some of these inquiries are even tied to open accounts and I'm left fighting these companies trying to get these negative items and inquiries removed. 
These are the unauthorized inquiries : XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX DELAWARE XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
identify you and your account. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a PayPal prepaid XXXX Debit card at XXXX. I added {$500.00} to this card at the register when I purchased it. When I got home and tried to activate it I was told the card could not be activated because it is " unbound '' and to talk to XXXX because something went wrong there. XXXX said everything was done properly on their end, which was expected because I have a receipt. XXXX called the card issuer. The rep for the card issuer, PayPal was rude to me and the XXXX staff and hung up on us multiple times. It took about 3 hours for the manager at XXXX to reach someone at PayPal who said he would help. Multiple companies including PayPal, XXXX, XXXX and XXXX are all involved in this transaction, yet no one will take responsibility to resolve this and return my missing funds. I'm out {$500.00} and I'm holding an inactive card. A person named XXXX at NetSpend said that if I emailed my receipt, identification and card that I would be refunded. But he had another agent call me who said they would mail me a card and it would take a week. I bought this card for a road trip and I'm leaving tomorrow I can not wait a week. PayPal is the leading company for electronic money transfers yet they refuse to transfer the funds back to the XXXX XXXX card that I used to make the purchase. The agent hung up on me.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
In accordane with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordane with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
https : //www.coinbase.com/ has locked my account & funds stating " my account is under review. '' My account has been under review going on multiple months now. I have verified my identity 4 times using their identity verification process on their website and the account is still under review. I've submitted a ticket, Case # XXXX. It was suddenly closed on XX/XX/27 with stating that my issue was resolved. However, the issue was not resolved. I've contacted their support desk on their website multiple times and they would only reply with " Your account will be unlocked after it has been reviewed. I don't have an ETA for you. Please continue to wait. '' Coinbase won't release my funds either until my account has been reviewed. I have not broke any terms and services and I have not done anything fraudulent nor have I committed any crimes etc. Coinbase refuses to help or offer any assistance with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MO

Complaint narrative:
XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to Global Lending Services on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. 

This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment.

I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting.

This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission.

I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

I sent the letter because this is fraud and illegal to Global Lending Services, XXXX, XXXX, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, XXXX, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. 

This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ).

I look forward to your quick response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I applied for the homeowner assistance fund and was awarded a XXXX XXXX to assist me with my mortgage with Mr. Cooper. ( see attachment ). I have been trying to get Mr. Cooper to facilitate the reinstatement of my mortgage and bring me current and despite everything I have done to comply with there request of me, I now believe that are they are being unfair and deceptive in my need at the moment and are causing me and my family unwarranted and undue stress. 

I have been told by XXXX XXXX with the State of Tennessee that the first disbursement that went out to Mr. Cooper was rejected and sent back despite of them being a participant in the HAF program. I have also been told by their customer service and collection department that they deny all knowledge of my grant. ( see attachment ) I was told again today XX/XX/2022 that the State of Tennessee reached out to their ( Mr. Cooper ) team a couple weeks ago and requested documents again as to arrearage because they rejected the initial funding for my account and they still have not responded. ( see attachment ) I am extremely concerned now due to the unfair and deceptive ways of Nationstar which has now been branded under the Mr. Cooper name and I am worried that Dejavu may be occurring again as to unfair and deceptive acts. Please investigate this matter and see if there are patterns that will suggest what I am complaining about today.

Company response to consumer: Closed with explanation