vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was stolen and used from XX/XX/XXXX. XXXX  threw XX/XX/2021 while I was in the hospital and rehabilitation recovery from being attacked and stapped seven times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX : amount of XXXX XXXX XXXX  : amount to of : XXXX XXXX  XXXX XXXXXXXX XXXX : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX  : amount of XXXX XXXX XXXX  : amount to of : XXXX Collection XXXX XXXXXXXX XXXX : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: VA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: KY

Complaint narrative:
I received a letter from American Coradius International LLC stating they are collecting a debt from XXXX XXXX that I be owe {$3700.00} Reference numberXXXX Account # XXXX Supposed debt is from XX/XX/year>. 
The letter was generated on XX/XX/year> and they have failed to return any information, give me information & I am not giving my personal information to them as many have complained that they scam them via this XXXX debt they are trying to collect from them. I have contested the letter and refused ownership via writing, as well as calling XXXX myself and verified they have no accounts with my social or address currently or ever on file. So I have verified that I have no money owed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX, a customer of Transworld System. I have an unsolved issue with your company and its business practices. On XX/XX/2024, I wrote Trans World to notify them that I had overpaid my account. I included a copy of XXXX XXXX  XXXX bank statement identifying the over payment. I have not received any communication from Trans World System ; therefore, I called, and the representative continued to insist that I owed {$5000.00} and then I owed {$4000.00}. I assured them they were incorrect. In fact, I was due an overpayment refund. The manager, the representative and I was on the phone for over an hour going back and forth. The bill originated from XXXX XXXX XXXX ; therefore, I went to the XXXX branch office and asked them concerning the origination of the bill. XXXX stated the account was not paid out but had an outstanding balance of {$100.00}. 

XXXX indicated the original balance was in truth {$980.00}. Then I paid {$200.00} to XXXX that made the balance delivered to TransWorld {$780.00}. Notice Exhibit A and B there a total of 21 payments made to Trans World. The reason ( 1st I went through a divorce 2nd my beloved son was killed ). I had forgotten about the Transworld account ; therefore, my bank ( XXXX XXXX  XXXX ) continued to be mailed in the payments of {$100.00} each month until I noticed in XX/XX/2024. I had paid Transworld 21 payments of {$100.00} totaling {$2100.00}. The original balance from XXXX XXXX transferred to Trans World System was {$780.00} ( notice Exhibit C ). Trans World System uses deceptive acts to avoid reimbursing my funds. I paid Transworld System {$2100.00}. 

Deduct the transferred balance ( {$780.00} ) from the total amount paid ( {$2100.00} ) equal an overpayment of {$1300.00}. 

I have waited over two months for my refund, but the Trans World representatives and manager continue to hassle, pester, oppress, and harass me that I did not pay them. 
Please observe the facts and reimburse me my {$1300.00}. I have taken the proper actions to notify the XXXX  and FDCPA. 
I look to hear from you within 10 days of this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Payment went 30 days passed due in XX/XX/year>. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on XXXX XXXX XXXX XXXX XXXX  and not only did I have XXXXXXXX XXXX done, but my workplace XXXX XXXX XXXX XXXX. After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX  and XXXX XXXX XXXX XXXX I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with Wells Fargo for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. Wells Fargo verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the surgeries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Payment went 30 days passed due in XX/XX/. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on XXXX XXXX XXXX XXXX XXXX and not only did I have XXXX XXXX done, but my workplace XXXX XXXX XXXX XXXX After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX XXXX XXXX XXXX XXXX XXXX I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with XXXX XXXX for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. XXXX XXXX verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the surgeries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Date of delinquency incorrect and tradeline should be removed as such

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
North Carolina States Employees Credit union is illegally reporting false information on my credit report. My bankruptcy discharged this debt XX/XX/2019 case XXXX My car was discharged XX/XX/2019. 
This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan, and personal loan. All accounts are reporting late pays since 2019. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Klarna AB
State: NJ

Complaint narrative:
The reason for my complaint. It looks someone create an account in Klarna using my information and I am receiving phone text about to send a code. But I never created an account with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I must address the recurring problem of failed payments and unauthorized charges on my account. Despite numerous attempts to rectify this issue through your customer service representatives, it persists unresolved. These unauthorized charges not only disrupt my financial stability but also erode my trust in the security of my account. I demand a thorough investigation into these matters and a prompt resolution to prevent any further inconvenience. 

Furthermore, I am deeply concerned about the disregard for my designated legal mailing address. It has come to my attention that important notices and correspondence from Bank of America have been consistently sent to an incorrect address that is not associated with my account. This negligence not only violates my privacy but also undermines the integrity of your communication system. I insist that all future correspondence be directed to my legal mailing address as specified in my account details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
North Carolina States Employees Credit union is illegally reporting false information on my credit report. My bankruptcy discharged this debt XX/XX/XXXX case XXXX The loan is still reporting late payments from XXXX to XXXX and my account status is showing I have 100 % left to pay on this loan. 
This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan? And personal loan. All accounts are reporting late pays since XXXX. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT XXXX/XXXX  Account Number : XXXX hereby demand substantiated proof of this alleged item, including the contract, note, or any other instrument bearing mysignature. Failure to provide such evidence will necessitate the immediate removal of this item from my credit report. Thiserroneous and incomplete information constitutes a grave error in your reporting, and I insist on its removal. Furthermore, XXXX you to promptly furnish an amended credit profile to all creditors who have accessed it within the last six months ( orthe last two years for employment purposes ).

In addition to rectifying this situation, you are required by federal law to complete your re-investigation within thirty ( 30 ) days. I also request that you promptly provide a detailed explanation of the procedure used to verify the accuracy andcompleteness of the information within fifteen ( 15 ) days of concluding your re-investigation.

Please be aware that I am not interested in receiving stall tactics or evasive responses. I am taking this matter seriously andexpect immediate and forthright action on your part. Failure to comply with these demands will result in further legal actionsto rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting to my Experian. This is not reporting to my other credit reporting agency 's and needs to be removed immediately as it is inaccurate information. As a consumer I have a right by law to a fair and accurate 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 explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was charged off on the following date XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was charged off on the following date XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX 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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the debt appearing on my credit report, as reported by this company. Upon reviewing the information, I have identified several inaccuracies that not only violate fair credit reporting practices but also contravene the Fair Credit Reporting Act ( FCRA ). 

Fluctuating Debt Amount : The reported debt amount has been inconsistently changing without proper validation or justification, a clear violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 
Billing Address Inaccuracy : The billing address associated with the debt ( XXXX XXXX XXXX, XXXX, NJ XXXX ) is not accurate, infringing upon the FCRA Section 623 ( a ) ( 1 ) ( A ).

Failure to Provide Licensing Information : The failure to provide licensing information, specifically the NMLS number, is a violation of FCRA Section 605 ( c ) ( 2 ). 
Incomplete Debt Validation : The incomplete debt validation provided violates the FCRA Section 611 ( a ) ( 1 ) ( A ), requiring detailed information about the original creditor, the account number, the amount owed, the legal basis for claiming I owe the current amount, and the age of the debt.

Inaccuracies in Reporting : Various inaccuracies in reporting violate FCRA Section 607 ( a ), which mandates accurate reporting of consumer credit information. 
Furthermore, I must inform you that my legal counsel has advised me to contact you to resolve this matter amicably. However, if this issue is not resolved promptly and the inaccurate information is not deleted from my credit reports, I will have no choice but to proceed with legal action. I have accumulated ample evidence supporting my claims. 

Please do the right thing and delete this inaccurate information from my credit report with all three major credit bureausXXXX XXXXXXXX, and XXXX, as well as any other third-party creditors that may have accessed or reported this information. 

These actions are not only my rights under the FCRA, but they are also protections afforded to me to ensure the accuracy and fairness of information reported about me. Failure to comply will result in further legal action, as my rights include pursuing a civil suit under FCRA Section 616. 

From, 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 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding severe difficulties accessing my account and the lack of responsiveness from their customer support team. 

For the past three days, I have been unable to log in to my Coinbase account despite numerous attempts. The situation was exacerbated by the fact that it took over 3.5 hours to connect with a customer support representative, only to be met with unhelpful and dismissive assistance. Despite providing proof of my identity on multiple occasions, including through their verification processes, the representative informed me that my issue was " under investigation '' without offering any concrete resolution or timeline for resolution. 

The lack of responsiveness and inadequate support from Coinbase 's customer service department has left me deeply frustrated and concerned about the security of my assets held within the platform. As a result, I am left with no choice but to request the immediate withdrawal of all my assets from Coinbase. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation