vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
As a Bank of America customer since XX/XX/XXXX, I believe I was charged over {$2500.00} in illegal overdraft and late fees. In XXXX, I asked a bank teller for the amount of late fees I had been charged, but this information was denied to me. The account was later closed. 

I received a {$3.00} check from the XXXX XXXX Bank of America NA XXXX on XX/XX/XXXX, and a {$34.00} check from the XXXX XXXX Bank of America XXXX on XX/XX/XXXX. Due to personal difficulties, I requested a reissue of the {$34.00} check on XX/XX/XXXX, but this was denied by the managing law firm on XX/XX/XXXX. This means I did not receive the {$34.00} owed to me from that settlement. 

On XX/XX/XXXX, I received an {$83.00} check directly from Bank of America, and on XX/XX/XXXX, I received a {$120.00} check, as part of the consent reached between Bank of America and the CFPB on XX/XX/XXXX. 

Receiving less than 10 % of the amount illegally taken from me by Bank of America feels like an unfair reparation for the damages caused.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
my XXXX  complaint was a problem about getting my due date changed so i could stop getting the late fee of {$40.00} stopped. I got that changed [ it took XXXX  months ] from the XXXX to the XXXX, but that hasn't stopped the XXXX  charge. For my XXXX payment i mailed it on the XXXX XXXX XXXXXXXX for my XX/XX/XXXX payment. Barclays claimed that they didn't get it until the XXXX.I mailed it XXXX  days before it was due. I talked to them to try and get the late charge removed but it didn't help. I WAS TOLD MAYBE I SHOULD MAIL IT EARLIER. I can't do this!. IM on XXXX  and only get paid on the XXXX Wed.of each MONTH. My payment has to go from Alabama to CAL.THESE PEOPLE ARE RUNNING THIS OLD XXXX XXXX XXXX MAN CRAZY.CAN YOU HELP?

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 2024-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit report is showing XXXX wrong collection in my credit report ( XXXX XXXX XXXX  # XXXX ) and ( XXXX XXXX XXXX # XXXX ), i dont recognize this account as mine, these XXXX account are a mistake or XXXX be something else... XXXX one was open on XX/XX/year> and XXXX XXXX XX/XX/year>. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is so many incorrect information in my credit report that i don recognize as mine, the credit bureaus is reporting a wrong personal information, not mine ... I formally request that the following inaccurate items be immediately investigated.

They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is obviously using unreliable, PUBLIC, non-credit sources to solicit pre-qualifications for their card. I have received via mail to my residential adress XXXX ( XXXX ) offers with XXXX different names on them and XXXX of the names have not lived at my address for at least XXXX years or never lived there at all. Everytime I send mail back, I receive MORE mail with different names. Like, Capital One is DESPERATELY taking a shot in the dark increasing the risk of identity theft and/or fraud for all consumers involved. 

I have moved a couple times so I wonder, what random mail is Capital One sending to those old addresses with MY name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
In XX/XX/year> I needed to change both my phone number and my email address with Coinbase where I have had an account for several months. Somehow during that process my acct disappeared. The acct has arolund {$600.00} in it. Since XXXX I have been trying to get Coinbase to respond to no avail. You sent me a note saying the company had responded and the inquiry was closed. They have not responded and that note was incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : CaIne And weiner Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX XXXX XXXX due to a transaction for a real estate coaching that I requested. The company did not comply with the contract and took XXXX from me. I have been trying to get my money back by contacting American Express which was the bank that I used to pay XXXX to XXXX XXXX. American Express told me that they can't help me because of their policy, i feel this is unfair when other people in my situation are getting their money back. Please I need some assistance I'm a XXXX Veteran and this situation has contributed to my condition. 


I know people who submitted their complaints here and got their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( 3 ) accounts within the last 90-120 days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXExperian InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: MI

Complaint narrative:
Unauthorized credit Inquiries are reporting to 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 explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have no knowledge of this account and this account was open in fraudulent intention I contacted credit acceptance about this matter and credit acceptance did not know where the car is located and told me little to nothing about this situation to help me in this matter no documents was sent to me and no car was found its been on going issues for a while now.

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 2024-03-24 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NET CREDIT Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/23 I noticed there was a Venmo transaction of {$550.00} to XXXX XXXX which I didnt authorize. Vemon made it extremely difficult to file a claim or get in contact with a representative. after hours of searching on Venmo app, I decide to XXXX search the phone number. I finally was able to contact a representative. Explain them the situation that I forgot my phone at a restaurant for 15 minutes and didnt realize it til later and now I notice a transaction that I didnt authorize. they file a claim and decide to rule it for the receiver. I explain to the representative that Ive never sent money to this individual before I was able to contact my back to to block the transaction, but Venmo decided to push the transaction using their own money and that made my Venmo account negative. Then after that, I start receiving money from other people that sent to the wrong person. I explain to the person that they need to contact Venmo and file claim and they still have not received their money. So now those people are contacting me about the money that they were they transferred to me. now Im getting threatening phone call and harassing from those people who send the money. I need Venmo to send money back to those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: PA

Complaint narrative:
KIKOFF LENDING LLC, I am writing to formally demand that you cease and desist all further communication and actions regarding any purported loan or account associated with my name. I have become aware of deceptive and fraudulent practices employed by your company, and I refuse to tolerate any further harassment or misrepresentation. 

It has come to my attention that KIKOFF LENDING LLC falsely reported a loan on my credit report, under the guise of an alleged savings account, with the promise of boosting my credit score by XXXX to XXXX points. However, over a three-month period, I only observed a minimal increase of XXXX points, which falls far short of the representation made by your company. 

Subsequently, after I requested the closure of my account, KIKOFF LENDING LLC proceeded to provide false and derogatory information to credit bureaus, tarnishing my creditworthiness and integrity. This action is not only malicious but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I demand that you immediately : Cease all attempts to report false information about me to any credit bureau or third party. 
Cease all attempts to collect any alleged debt from me. 
Remove any derogatory remarks or false information already reported to credit bureaus. 
Confirm in writing that you have complied with these demands within 30 days from the date of this letter. 

Failure to comply with these demands will result in further legal action, including but not limited to pursuing damages for defamation, violation of the FCRA, and any other applicable laws. 

Furthermore, I intend to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the fraudulent and deceptive practices of KIKOFF LENDING LLC. Your unethical behavior must be brought to the attention of regulatory authorities to prevent further harm to consumers. 

Please be advised that I am retaining all records and documentation related to this matter and will not hesitate to pursue legal recourse if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.

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 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEMS Is reporting to the credit bureaus that I owe {$11000.00}. I have never heard of this debt or. The company until they appeared on my credit report. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2023 I noticed, on my credit report, that an account was opened for a credit card at XXXX XXXX XXXX. I did not authorize this, nor do I have or have ever had any relationship with this institution. I immediately contacted XXXX XXXX XXXX  to alert them that this account was fraudulent. They did close the account but not before {$1000.00} was charged to the account by some fraudulent entity. They are now claiming that I'm somehow responsible for this amount and have added on {$330.00} in late and interest charges. I have tried to contact them multiple times, however, because the account has an email, phone number, and street address that doesn't match mine past or present they will not take further action to dismiss the account. They will also not tell me what the {$1000.00} charge was for despite verifying my identity. Upon pointing out that the information they have doesn't match because the information they have is fraudulent they disconnected the line!?!

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 2024-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit report is showing 2 wrong collection in my credit report ( XXXX XXXX XXXX  # XXXX ) and ( XXXX XXXX XXXX # XXXX ), i dont recognize this account as mine, these two account are a mistake or may be something else... 1 one was open on XX/XX/2023 and 2 one XX/XX/2023. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.

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 2024-03-24 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
The credit report is showing 2 wrong collection in my credit report ( Elevate recoveries llc # XXXX ) and ( Elevate recoveries llc # XXXX ), i dont recognize this account as mine, these two account are a mistake or may be something else... 1 one was open on XX/XX/2023 and 2 one XX/XX/2023. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.

Company response to consumer: Closed with explanation