vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Casesa Bowden Barlow, P.A.
State: FL

Complaint narrative:
To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing XXXX XXXX XXXX XXXX. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

Sincerely, 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 2022-01-16 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: IL

Complaint narrative:
On XX/XX/2021, TransUnion LLC also known as TransUnion furnished a credit report admitting that 7 persons accessed my information without my consent from TransUnion. In result, TransUnion deleted 7 inquires in relation to the 7 persons who were able to acquire my information from TransUnion. Deletion is a voluntary acknowledgment. TransUnion did not notify me first about the 7 person acquiring my personal information PRIOR to it showing on my credit report or credit file. The 7 inquires reporting on my credit report has stopped me from extending credit to creditors. TransUnion is required by law to pay me {$1000.00} per person that obtained my information unlawfully without my consent. TransUnion LLC also known as TransUnion owe me {$7000.00} for allowing 7 persons I do not know access my personal information. Please see Exhibit A, C & D for proof of TransUnion admitting to deleting the seven inquires. 

*This CFPB complaint is NOT a request for an identity alert to be added to my profile. DO NOT ADD AN IDENTITY ALERT ON MY CREDIT REPORT, CREDIT FILE, OR 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 explanation
Consumer complaint received 2022-01-16 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX XXXX, in XXXX and XXXX I informed Navy Federal Credit Union of financial hardships of having a XXXX while XXXX to XXXX. My finances were really messed up and I wanted to utilize the hardship insurance that was combined with the credit card fee. Navy Federal refused to provide the assistance and charged over the mandatory 6 % interest cap for uniformed service members in a combat zone. I had a credit card and auto loan through this worthless cooperation and they lied and said they can't prove i paid insurance. Here it is XXXX and Navy Federal has me on a denial list because of the wrongful interest they charged that got the account up to $ XXXX. I paid what i could on the account and Navy feral failed to adhere to the SCRA and a contractual agreement for hardship which they charged for every month. If they can't prove i did or did not have hardship insurance how come they can lie and put multiple charge off claims. As a XXXX male with a low credit score back then i had to pay the insurance fee it wasn't optional... it is criminal to treat people that served this nation over 20 years like this. NFCU is a corrupt organization that takes advantage of XXXX servicemembers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase Case # XXXX On XX/XX/XXXX at XXXX I received a " Notice of account closure '' through email at my address XXXX. 

I was manually logged out of my Coinbase Pro account where my funds were being held. I was no longer able to log in and access my funds. 

I called CB customer service and opened a case. I received a follow up email stating that I could no longer buy, sell or withdrawal to my bank account. But I could move my currencies off the exchange to a external wallet. 

Although I was no longer able to log into the apps. I was able to log into the Coinbase web page where my bitcoin and ethereum coins were showing. But my GALA  tokens were not showing. 

They moved my Bitcoin and Ethereum off my pro wallet back to standard Coinbase but did not move my GALA  tokens worth $ XXXX. 

I replied to the email starting the above situation and was responded with generic computer message stating I was able to move my funds off Coinbase but they didn't respond to the fact I told them they didn't move the GALA  tokens. 

I called again and spoke to a customer service representative and expressed this situation again and told them they need to move the GALA  tokens to the Coinbase webpage so I could move them off the exchange and close the account. 

After multiple waits I was told they were not able to move my GALA. They escalated it to email where I'm sure to have the same run around as I've had the last 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: IL

Complaint narrative:
transunion just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way

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 2022-01-16 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: IL

Complaint narrative:
XXXX just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/2020, ACCOUNT RESOLUTION XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, ACCOUNT RESOLUTION XXXXI has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

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 2022-01-16 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: IL

Complaint narrative:
Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX XXXX XXXXlso known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian still continues to show a bankruptcy on my credit report, despite evidence to the contrary. I have sent them documentation on numerous occasions and they have ignored it.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

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 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Date of Debt Notice : XX/XX/2022. 
XXXX disputed : {$170.00}. 
Name of Collection Agency : Credence Resource Management. 

Summary : The following agency is attempting to collect a debt I do not owe. I have indicated to the that this debt was already paid and the information the they have is incorrect. I have asked them for validation and no proof has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: NV

Complaint narrative:
Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Entrata Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I vacated the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I paid the rent IN ADVANCE every month and was never late even with the COVID Pandemic in full swing. I signed my lease in XXXX of 2021 for a one year lease and due to my family purchasing a new home, we had to terminate the lease 3 months earlier than expected and was only able to provide a 30-day notice. We had paid for the full month of XXXX, only to be told we are not receiving any CREDIT for that month and all that money was kept! 
Around mid summer 2021, we were notified new property management called XXXX had taken over. This new property management has been unprofessional, hateful and the overall experience with them was awful! My neighbors had all agreed they were horrible to deal with. 
In XXXX of 2021 I was infected with XXXX and was in the hospital for XXXX  weeks. I work from home, so my business came to a stop during my recovery. The apartment management had elevators for tenants to use and the one closest to us was broken down for several weeks, which made commuting outside the apartment unit very difficult at the time. XXXX XXXX did falsify and altered my signature on an elevator form, releasing them from any liability to the broken elevator. 
My lease agreement that I signed in XXXX, clearly states that if during an early termination of the lease, a Reletting charge of {$1000.00} is required. The XXXX XXXX XXXX is demanding we pay {$4300.00}! There are miscellaneous erroneous, inaccurate and false charges for damage to the apartment unit which under TX Property Code Title 8 Ch 92 Section 4 stated for Normal Wear and Tear is considered normal while occupying the dwelling. We are requesting for XXXX XXXX to reduce these false allegations and erroneous charges against us to the reletting charge of only {$1000.00}. We have filed for XXXX rental assistance through the city of XXXX to assist with this inflated final bill and we are being advised the XXXX XXXX XXXX XXXXefuses to honor the program offered by the city and government.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: LJ Ross Associates
State: OH

Complaint narrative:
On XX/XX/2021, L J ROSS ASSOC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, L J ROSS ASSOC has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XX/XX/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, NCA has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NJ

Complaint narrative:
Equifax credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for 4 yrs now. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Student Loan Solutions, LLC
State: FL

Complaint narrative:
To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing Student Loan Solutions LLC. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

Sincerely, 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 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I got an email on XX/XX/16 at XXXX pm saying I opened up an account with Citizens Quest Checking. However I never opened such an account, I called and Citizens was very helpful. They closed the account & are going through the proper channels to get this resolved. I feel like my info was leaked on either XXXX XXXX or XXXX because as soon as I opened an account with them, this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2022, I received an unsolicited Citi Custom Cash credit card from Citibank. That same day, I tried to call the Citibank fraud number to cancel the card and request it be removed from my credit report, but I was on hold for XXXX minutes before giving up. I will try again tomorrow, but in the meantime, wanted to report this to 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 non-monetary relief