vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
Based on your company feedback : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. According to our records, we previously mailed itemized bills to the consumer in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, our company has ceased all communications per the consumer 's request as of XX/XX/XXXX. Unfortunately, NRA Group LLC is unable to open the consumer 's attachments due to the nature of the files. '' You are in fact now knowingly and willfully in violation. Pursuant to 15 USC 1693n-Criminal Liability : ( a ) Violations respecting giving of false or inaccurate information, failure to provide information, and failure to comply with provisions of this subchapter Whoever knowingly and willfully ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter or any regulation issued thereunder; or ( 2 ) otherwise fails to comply with any provision of this subchapter ; shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

On XX/XX/XXXX, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Mortgage Service XX/XX/2020 I called both the company affiliated with inquiry they said no info could be found. I also contacted Equifax and XXXX and told me to contact FTC. XXXX did remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Well fist of all my credit line report was decreased by {$21.00} which is absolutely incorrect. My XXXX XXXX cardbstill has the original {$200.00} limit. Also XXXX XX/XX/XXXX I believe my score was decreased by over 120 points due to lack of credit use. During that time my cardbwas hacked into causing me to have to cancel my card and wait multiple weeks to receive the new card. Just as soon as it arrived it was hacked again without me to even be able to use. Causing yet another cancelation and more weeks of waiting for the new card. I was subsequently unable to even access my card for over a month. Hence not being able to utilize my credit. I'm in the process of trying to purchase my first home and your transunion score is very much so hindering me from doing so. Please contact me for any information @ XXXX XXXX Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that Jefferson Capital Systems , LLC was the debtor and the debt description was XXXX for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed 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 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
There have been 9 transactions between XX/XX/XXXX and XX/XX/XXXX. 
These 9 transactions were charged to my checking account using my debit card. 
The vendor on these transactions appears to be XXXX. 
However, I have spoken with XXXX. The transaction number on my bank statement doesn't match the pattern or number of digits they use on their transactions. They searched their records for my name, debit card number, address and were not able to find any transactions matching my information. 

It appears as though someone created a merchant account and is pretending to be XXXX. 

The fraudulent transactions are as follows : XX/XX/XXXX {$97.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$50.00} I have reported this fraudulent activity to ( the real ) XXXX and my local XXXX Police Department ( Police Report # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
during covid of 2020 i did nor receive mail, for bills, in a timely matter, i missed a credit card payment/. i was listed as a +missed payment '' .i paid as soon as i could., but it affected my credit rating negatively. i want my rating restored, as i pride myself with an exceptional rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
The following report is showing in my credit and I have not been treated by this place. 
XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$160.00} Outstanding Payment History Youve made 0 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC N/A CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due BR Bankruptcy RF Repossession / Foreclosure CC Collection / Charge-off N/A No Data Available Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$160.00} Unpaid Balance {$160.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Collection Agency RSH & ASSOCIATES LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, XXXX XXXX  of XXXX inu token which worths {$170000.00} as of today XX/XX/2021 was removed from my coinbase wallet without my authorization. subsequently Ive contacted coinbase customer service just to be told to close my account and open another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Collection Agency CONVERGENT OUTSOURCING refused to produce wet signiture Contract between myself and them and will not stop reporting to the Credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX made a purchase {$9.00} for XXXX and three other purchases prior to XX/XX/XXXX. All purchases posted to the account. Make one transaction to a grocery on the XXXX resulting in a negative balance and on the XXXX Wells Fargo rearranges multiple transactions and revert them back to pending from the XXXX and XXXX to incur the largest amount of overdraft fees possible. Only covering the largest purchase of {$61.00} despite the other purchases being listed as posted transactions prior. Ending daily balances does not reflect the actual daily balance of that day since it gets later changed because of instances like this. Hard to prove even with reciepts because of this fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/XXXX, my XXXX account was hacked and the hacker used my profile and credit card on file to place an order to be delivered to their address. I was not aware because the hacker had changed my email address on the account and XXXX did not send me a notice that my email address had changed until a few days later, at which point the order had already been delivered and charged. I disputed the order with XXXX and they sent me an email saying they agree that this was fraudulent but they would not do anything and I need to contact my credit card company. 

I contacted Barclays to dispute the charge right away. They concluded that the charge was valid only because I had a history with the merchant. They refused to share any information about the investigation. They told me that I could mail proof such as the email from XXXX admitting that the order was fraud and that would work as a dispute and I would be reimbursed the funds. They then sent me another letter saying that I am still denied with no explanation. Every time I call, they have no information and they are unable to provide any updates. They refuse to help me or answer any questions and they just tell me I am responsible for the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
- I went to purchase an automobile on XX/XX/2019 - I was then instructed to fill out the Retail Installment Sale Contract, See Exhibit ( A ) and Buyers Order, See Exhibit ( B ). 
- The contract was extended to the consumer, primarily for personal, family, or household purposes as an extension of my consumer credit and is an open-end credit account under 12 CFR 1026.2. 
- I am asserting my rights as the DEBTOR per my contract under 16 C.F.R. 433.2 ( b ). 
Wells Fargo has failed to produce the requested documents or an affidavit means that, without verification and validation of this account under Title 15 U.S.C. 1692 Section 809, that there is no controversy in this matter and Wells Fargo has therefore failed to state a lawful claim in this matter. 
- Wells Fargo has not provided an affidavit with the following proof that would show they are the creditor/real party in interest and that they have truthfully validated and verified this account. 
- Wells Fargo has not provided material evidence of a contractual obligation between me and Wells Fargo. 
- Wells Fargo failure to disclose any material facts is a fraudulent misrepresentation by omission and the Retail Installment Agreement is null and void. 
- Wells Fargo has failed to comply with statutory requirements as set forth in Truth in Lending Act, 15 USC 1601-1667f. See Exhibit F - Wells Fargo has failed to comply with statutory requirements as set forth under 16 C.F.R. 433.2 ( b ) the appropriate required NOTICE was not included on the Retail Installment Contract due to a down payment being required for this contract, this makes the entire contract voidable. See Exhibits A, F - Wells Fargo has failed to comply with statutory requirements as set forth in FDCPA 15 USC 1692-1692 ( p ). See Exhibits D, F - Wells Fargo has failed to comply with statutory requirements as set forth in FCRA 15 USC 1681. See Exhibit D, F - As a result, pursuant 15 U.S.Code 1666 ( a ) ( 2 ) to there is a billing error on the Account and under 15 U.S.Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ). 
- I have reason to believe and do so believe that WELLS FARGO AUTO has used unfair business practices and has knowingly with forethought and malice created a fraudulent debt, defrauding the original creditor that is recipient of said statements See Exhibit ( D ) that led the recipient to believe, through deception, is an invoice that must be paid by the recipient or the automobile would be repossessed, and the principals credit reports would have negative remarks added or other extortionate means as defined under 18 U.S.Code 891 ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that XXXX XXXX XXXX XXXX XXXX was the debtor and the debt description was Paypal for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My HSBC bank accounts have been suspended with my life savings ( approximately XXXX ), since XXXX My online banking is also suspended. 
There were several unauthorized ACH charges, which occurred in the months of XXXX and XXXX of 2021. I have never heard nor do business with the merchant, and the beneficiary/receiver of the payment is not me nor someone that I know of. I disputed these fraudulent transactions on XXXX and filled out the written statements. 
There has been no communication from HSBCs back office since. Whenever I called in, I get the same generic message which states the transactions are in dispute, and theres no estimate time when my accounts will get restored. 
I would like the management team can escalate this issue, since my living expenses are locked up in limbo. I need a time frame on when the issues can be resolved. Further, I would like to get updated on the current disputes with the person ( s ) thats handling my case, as well as reinstating my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to their failure to investigate and respond to this issue in a timely manner ; I am asking for all the items listed in my dispute letter to be removed from my credit report. I am uploading proof of my dispute letter and also a receipt of the bureaus receiving my demand to comply which i sent via certified mail with tracking

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion continues to fraudulently report a collection from XXXX XXXX XXXX and an account from XXXX XXXX. Ive informed Transunion that neither creditor has provided any form of validation pursuant 15 usc 1692g. Transunion has also failed to supply any documentation that I have asked for. Pursuant 15 usc 1681i Transunion has not provided me with the requested documentation on how they verified and validated the fraudulent information being reported on my consumer reports. At this point I have no other reason to believe that they are willfully being negligent and refuse to follow the law which puts them in direct violation of 15 usc 1681n. I have no other choice but to escalate this matter through the FTC and through the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
I payed XXXX XXXX in a settlement the full amount of XXXX they have not yet removed the auto debt of over XXXX dollars off my credit reportthey gave it to a law firm for collections account number XXXX confirmation XXXX LEVY LAW FIRM LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
On XX/XX/2021, I responded to an ad on XXXX for Paddle Boards, using my XXXX Visa as payment. When the items did not arrive as stated in the ad, I disputed the charge to my XXXX account, on XX/XX/2021. XXXX issued a credit. On XX/XX/2021, XXXX rebilled the disputed amount, without explanation, and without evidence to support the rebill. I contacted XXXX by written correspondence on XX/XX/2021. XXXX rejected my written dispute, saying my dispute was outside the dispute time period. XXXX declined to provide evidence supporting their decision for rebilling the disputed amount.

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