vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I deposited XXXX cash to a Bank of America atm and the atm malfunction and credited XXXX to my account on XX/XX/XXXX. I contacted Bank of America to notify them of the error just for the banker to do the claim wrong was notified by second banker that claim information had been submitted inaccurate.I filed a complaint wit the occ Case # XXXX and afterwards account was placed in the negative for XXXX on hold

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 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am writing this letter due to the actions that XXXX XXXX, XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX, XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/2022 I received a letter from Freedom Mortgage providing notification that my husband and I were approved for a Traditional modification of our VA loan. I reached out to Freedom on or about XX/XX/2022 to accept the offer and get information regarding the first trial payment. The representative stated there was nothing I needed to do and since the underwriting department was swamped, I just needed to wait about a week or two for some paperwork to come to me in the mail. During this time I received no communication from Freedom so on XX/XX/2022 I contacted there office and was told again that there was nothing I needed to do, just wait for the paperwork. On XX/XX/XXXX, I logged into my account and saw that my account was now in a foreclosure status. I contacted Freedom and the representative informed me that they now needed proof of where my child support is deposited and a letter of explanation on how the child support is used. I apparently had until XX/XX/XXXX to send in this information, but I never received a letter stating this information was requested. I was instructed to still forward the information over despite being issued an approval. I asked the representative for assurance that my review would not be closed since Freedom failed to notify me and she assured they would keep the review open. Something about that conversation did not feel right so XXXX minutes later I called back and the representative couldn't understand why there was a request for info and an approval listed in their system on the same day, XX/XX/2022. She also informed me that the representatives I spoke with prior should have noted my acceptance of the offer in the system which would have triggered the creation of the loan modification documents. This is the third time that the loss mitigation process has been held up by misinformation by Freedom Mortgage 's representatives. This is an error that could have cost me my home again because how am I to know there is additional documentation required if I was issued an approval?

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 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: NC

Complaint narrative:
I am writing this letter due to the actions that Financial Recovery Services , Inc has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, LLC is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Financial Recovery Services , Inc., and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I received a letter from national credit systems Inc. regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing XXXXXXXX XXXX  charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted XXXX several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXXXXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with Freedom Plus. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
In accordance with the Fair Credit Reporting act 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 ortina can not furnish a account without my written instruction

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have a debit card with Coinbase. There were 4 FRAUDULENT transactions made with my debit card. I alerted Coinbase real time when 2 transactions of XXXX and XXXX were made, when I received alerts on the mobile device. They were still pending when I alerted Coinbase. They never did anything about it. I also open a ticket at the same time. There are screenshots of it. Nothing happened for a few days, so I asked for the status and was told ticket was never opened ( even I have screenshots of the ticket number from the chat ). They opened new ticket. Nothing happened. I contacted them via twitter and someone told me they are working on it and they started to ask me questions that were already answered in the email chain. And it has been going on. Same questions and no progress whatsoever. 
Please help to recover my money and would be nice if Coinbase is punished for lack of the required support by USA laws XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. Also, Please do not add any fraud alerts on my credit profile.

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 2022-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX 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 2022-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX 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 explanation
Consumer complaint received 2022-08-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am writing this letter due to the actions that XXXX XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXXXXXX XXXX  is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Case # XXXX I urge CFPB investigate into the internal operations of CitiBank 's executive office.

CitiBank has failed to handle all my earlier complaints appropriately. In fact in response to my last complaint ref : XXXX the citibank 's executive representative called me and told me he does not understand my complaint. My previous complaint was very much straight forward but because these people are scumbags at citi 's executive office they called me and said they do not understand my complaint. 

When none of their tricks worked to get past my previous complaint, the citibank 's executive XXXX sent me an email stating, " we ask that you please interact with our branch staff and Contact Center agents in an appropriate and professional manner. '' When they realized that my earlier complaint were indeed not handled appropriately, they put the whole blame on me. 

There is nothing executive about these operators, these people at citi bank 's executive office are a one hundred percent certified 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 2022-08-30 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. INNOVIS ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). INNOVIS assumed the role WITHOUT my written permission nor consent. INNOVIS did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that INNOVIS exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. INNOVIS did not exercise their grave responsibilities. INNOVIS is unfair, partial, and disrespecting my right to privacy by reporting the current information INNOVIS have on file about me. INNOVIS NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) INNOVIS may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. INNOVIS HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! NOT ONLY DID INNOVIS HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, INNOVIS DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT INNOVIS RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC. 1 ) INNOVIS should not even have any information about me in the first place because I never gave consent to any information about me being shared to INNOVIS nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) INNOVIS NEVER communicated with me about any information that INNOVIS reported about me on my consumer report in their initial investigation. 
INNOVIS IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. INNOVIS IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS INNOVIS FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!! I DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT INNOVIS REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!! Peace, love, and prosperity to the reader of this complaint. I DEMAND A RESPONSE FROM YOU WITHIN 15 DAYS UPON RECEIPT OF THIS COMPLAINT!! 

ATTACHED IS A RECENT COPY OF MY CONSUMER REPORT AND PROPER IDENTIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IL

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

15 U.S.C 1681 section I602 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 2022-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 2022-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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