vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX from my Coinbase account to fraudulent investment firm ( s ). 

My coinbase wallet allowed full control to a third party app, I tried contacting Coinbase through phone and creating tickets and I never got any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XXXX fraudulent charges were placed on the credit card for money transfers were made over a XXXX day period. The charges were made by unknown individuals to me who were not authorized to use the card. The transactions were also place in a state that I have never been to let alone made a transaction in. 

XXXX of the XXXX transactions were removed by the credit card company. However, the credit card company claims XXXX of the transactions were authorized and refuses to remove them.

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 2022-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt. 

*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have a recurring bi-weekly payment of {$23.00}. Yesterday, on XX/XX/22 at XXXX, i get a text message from " ABC XXXX '' that there is an issue with my membership and to call XXXX to make a payment. 

I call my bank and they tell me that there was fraudulent activity on my card in the amount of {$1.00} and they froze my account. They tell me i need to go to a local branch and get a new card printed out. I do this and by the afternoon i have my new debit card in hand and contact this ABC phone number. 

They tell me they are ABC XXXX which is a debt collection company that deals with the chain gyms around the country. I explain to them what happened and the guy transfers me to the automated system to make my payment and update my debit card. Their automated system tells me that i owe them {$42.00} to put my account back on because of a " service fee ''. Of course, i have no recourse because I'm speaking to a machine at this point which Im sure is intentional so i pay them the {$42.00} which is my {$23.00} dollar payment plus a {$19.00} " service fee ''. 

I contact my gym owner XXXX who has always been amazing and she personally refunds me the {$19.00} service fee out of her pocket despite her not getting any of the {$19.00} from this XXXX XXXX. 

She tells me that the minute they try to process my payment, and, its declined for any reason, they tack on {$19.00} service fee and send me a text asking to arrange payment. I made the payment hours after they notified me there was a problem. I don't think this is right. They don't define how much money they will charge me for this " service fee '' in the contract. They could just charge whatever they wanted for something that cost them absolutely nothing. How do they justify charging me {$19.00}? Its arbitrary and might as well be {$1900.00} I know {$19.00} doesn't sound like a lot but i think this debt collection company is probably doing this to millions of people a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting " snap on tools '' account as reported on " XX/XX/2022 '' when it's over 7 yrs old. They're trying to re-age this account and violating the my rights and the FCRA. I would like for them to delete this account and pay me a sum of {$1000.00} for damages and the error of reporting by re-aging the account. They're also reporting a balance due, when the account was written off as a loss.

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 2022-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
I filled out my PSLF application in late XXXX and received confirmation from MOHELA on XX/XX/XXXX and it stated that they have received my request for my COVID payment refund and my PSLF application. I was told in writing it would take 90 days to complete and update my records with regards to my qualifying payment counts. 90 days had passed and I received word that my updated counts were completed but they did not update my last XXXX payments. When I called and spoke with a representative I was told there was an error on their side with updating my payment counts and since I sent in another PSLF application ( duplicate ) that it would take another 90 days to process. But this time she said XXXX business days which wasn't mentioned previously so I was a bit taken aback by the change in position. I also have never received any mention on when my COVID payment refund would be sent to me or how it would be sent to me. 90 days from XX/XX/XXXX would be XX/XX/XXXX or so and we are on XX/XX/XXXX as of this writing. 
I am concerned that this company, the only XXXX authorized to do my PSLF application is not wanting to comply with this legislation, and are hoping through their lawsuit with the federal government that they will not have to forgive any PSLF loans. This is a travesty since I only need XXXX more qualifying payments to earn forgiveness and I have XXXX qualifying payments that just need my employment certified. I have left countless messages with information on how they contact my employer, using the internet to prove I am and was a teacher during those last XXXX payments. They won't do a payment count update, and I am at my wit 's end. I am trying to organize a grass roots movement to start a class action lawsuit against MOHELA, I just need lawyer who wants to get rich because there is definitely something going on here that needs to be shared with the world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've sent in documentation to remove fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've sent in documentation to remove fraud alert

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 2022-12-09 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: TN

Complaint narrative:
On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.

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 2022-12-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.

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 2022-12-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-09 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: TX

Complaint narrative:
ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. 

THEY HAVE ALL VIOLATED MY RIGHTS INQUIRER NAME AND DATE XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

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 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Repeated calls from different and private numbers from commentity bank. Often calling before XXXX. Calling up to 10 times per day. I am unable to pay the debt at this time and I made this company aware of this and they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.

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 2022-12-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I called many times to Bank of America and sent many times whatever documents they asked. I told them I did not authorize or sign any documents or receipts. Totally fraud transaction. Please help us to sort out these issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Contacted XXXX to dispute debt reported. Advised I dont owe money to cable provider and have had service since 2015 ( no debt has ever been communicated to me by cable provider. XXXX advised this is valid ( cable company reports I dont owe anything, still have service ) reported by I.C Systems INC {$72.00} dollars To 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 2022-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/22 I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been well over 45 days. I feel like I am being taken advantage of and I will file for litigation if necessary. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion. The credit bureaus are in major violation and this matter should be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Hello, I am nothing less than shocked at what I have just encountered with Avant Credit Card XXXX. It is something out of a fraud discovery documentary. 

I paid my balance off of {$2800.00} on XX/XX/22 and then closed the account. I logged into my account XXXX before I was going to delete the shortcut because I CLOSED THE ACCOUNT. I found that there was a balance of a {$6.00} in interest charges on my account posted on XX/XX/22. I was NEVER informed of any payment due by mail or email. Then they proceeded to charge me interest on the interest and a late fee of {$6.00} on XX/XX/22 which doubled my balance and I was still never notified of any balance owed in any way. This is loan sharking. 

After my second phone call, the late fee was waved. Then I was forced to make a payment of {$7.00}, which included the interest on the late fee that was waved, in order to avoid further late charges and interest. This is essentially extortion. 

When I contacted the company multiple times I reached a service out of the country that only quotes policy. They waved the late fee only after speaking to several people and wasting a lot of time. They also did not understand the math of me having paid interest on the late fee that they just waved. XXXX person actually said to me that I was not sent a paper notification because I was on e-statement. That was after I explained several times that I received no notification of any type and that at the account was closed as was even indicated by their app/website. 

I confirmed on XX/XX/22 that this account was reported as delinquent to the credit bureaus This is a very serious matter. Something needs to be done to correct my credit report and penalize this company for its predatory practices. The entire time this was happening this account has been closed. If I had not checked, they would have continued to increase the balance with late fees and interest and continued to negatively impact my credit ; all without ever notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
This company calls everyday and hangs up when I say Hello. I have multiple recordings. When I called them back, the company they're looking for is not mine. They are looking for a company called Certified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX  Account status Closed Age of Account 2 years 3 months 22 days Late payments XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box

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