vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: AL

Complaint narrative:
I was served papers last week stating I was being garnished for a credit card from XXXX XXXX XXXX taken out in my name on XX/XX/2000. I was a XXXX XXXX XXXX XXXX at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX was charged an overdraft fee for account being in overdraft due to erroneous overdraft fee from day before. Went to branch and they were only able to reverse one fee. I was not on overdraft in the first place and shouldnt have been charged any fee. My account was positive XXXX cents until after midnight on XX/XX/2021 at which point the transactions were reordered to reflect an overdrawn balance of {$4.00} when it wasnt before midnight. This bank is engaging in something predatory and needs to be investigated.

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 2021-10-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXXXXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021

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 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
Credence keeps calling my work and hanging up without saying anything! They have done this multiple times throughout a 3 month span. I've talked to them on my cell phone when they call and I've asked them to email the info as well as website to make payments with nothing sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: SC

Complaint narrative:
I have sent multiple request for validation of debt via a contract with my signature stating that i have agreed to paying back a debt and or owe debt to collection agency listed on my credit. I also requested that those accounts be taken off of my credit until proof can be submitted and all three credit bureaus including collection agency have failed to send me requested validation on multiple occasions. And debts are still on my credit and has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!

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 2021-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from a representative that states she was from R & R solutions and that were contacting me to let me know I had until the end of the business day to get this settled or they were going to continue on with a civil lawsuit. Stated that they had sent me letters previously notifying me of this situation. Received another call today and left voicemail they said they were going to continue with litigation and threaten to put a lien on my vehicle. I called the number they left back and spoke with a XXXX he said this was a breach of contract for a XXXX  loan that I defaulted in XXXX with XXXX XXXX. I asked him if this was something that had been in collections and I owed why was it not on my credit report and that I dont remember a XXXX XXXX. He stated the loan was from XXXX for a XXXX  loan but I did not attend XXXX  that year. I asked for proof of who this company was and what the loan was exactly for. He said they had sent letters in the mail and I told him I never received anything. I asked him if this was legitimate to please mail me this information. He stated they would put it in the mail and it would take XXXX days. After that conversation they called my sister-in-law and left a message also stating that they were going to put a lien on my vehicle if I did not contact them.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MO

Complaint narrative:
I spoke with representative XXXX and she advised that I open new complaint as a result of new information for closed claim XXXX. 

Within a few days of the complaint, a policy change was sent by Netspend. I am believe this policy change addresses a nearly identical scenario described within my complaint. I emailed details to customer service, corporate representatives and the CEO of Netspend. 

NOTICE OF IMPORTANT CHANGES TO YOUR ACCOUNT Update # 2 : In the Your Liability for Unauthorized Visa or Mastercard Transactions section of your Account Agreement, weve updated the Visa Zero Liability Policy to the following : If your Card bears the Visa acceptance mark, under Visas Zero Liability Policy, ... 

... your liability for unauthorized transactions on using your Card is {$0.00} if you notify us immediately and are not negligent or fraudulent in the handling of your Card. 

These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals. 

I respectfully request additional investigation. 

Thank you for your assistance & support regarding this matter. 

Sincerely, 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 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase Pro allowed someone to hack into my account and steal my money without verifying identity. I have lost over {$10000.00} as the account is locked and I can not get access to prove the money belongs to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
I disputed inquiries from my credit report since I have never authorized them. XXXX had removed these already but Equifax is still reporting these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Greetings, Im writing to you regarding a violation committed against me by the Capital One Auto Loan Department. On XX/XX/XXXX, I attempted to appraise and sell my vehicle at XXXX 6 days prior to moving from California to another state. This is a vehicle that I refinanced with Capital One 15 months ago on XX/XX/XXXX. Upon refinancing last year, I had read on the Capital One website that they would handle the updating of my lien holder on the vehicles registration and I would not need to take any further action. 

However, on XX/XX/XXXX, after spending 3 hours going through the appraisal process and initiating the sale, I was informed by XXXX that they could not purchase my car. They explained that this was due to my vehicle registration not having CapitalOne listed as the loan company. My registration still had the previous loan company listed. Despite having refinanced with them over a year ago, CapitalOne neglected to perform a basic action that they claimed was a part of their services on the company website. 

Upon calling Capital One customer service regarding my inability to sell due to their inaction, I was informed that they could not update the lien holder on my registration until I faxed them a Power of Attorney representing the lien holder change. Per Capital One, the process of finalizing the update would take about 2 months. However, I was never notified by Capital One about the need to file a Power of Attorney since I refinanced with them in XXXX. Throughout the entirety of the past year, they had XXXX communication with me regarding any action I needed to take to initiate this process. 

It is urgent that I move promptly to care for my ill family members. The aforementioned hindrances to selling my car have prevented me from moving on the date I planned, XX/XX/XXXX. The earnings from selling the vehicle were to be a part of the necessary funds for my moving expenses. I am now required to decide between delaying my move and taking my car to a new state, which would add significant moving expenses. 

Capital Ones prolonged lack of communication and customer service have disrupted my moving plans and my ability to be there for my family in a time of need. In addition to making the life of myself and my family extremely difficult for the next 2 months, they informed me that I would still need to make full monthly car payments, including interest, to them for these 2 months. As a result of their apathetic approach and failure to keep me informed about the lien change process, I will be required to make 2 or more additional payments on a vehicle I no longer intend to use. Id greatly appreciate your correspondence regarding any disciplinary action that can be taken to address the companys dishonesty and financial exploitation throughout the loan process. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX of XXXX i moved to XXXX. I had sold my XXXX before moving because I was approved to but a car at XXXX in XXXX XXXX, instead of having the car transported to XXXX since I would be in XXXX with my rental truck I was going to pick the car up there and save whatever amount of money it was not to have the car transported. But when i called to speak to the XXXX XXXX I was told the loan had to be rewritten and now I do not qualify. I only had my letter from my employer for the Amt of money I would be making. So i couldn't purchase the car. After I was able to secure employment i had applied to several places for a vehicle and I was at first told I would be approved and then all of a sudden I wasn't and there was either one excuse after another why I couldn't be approved or that my deposit went from XXXX to like XXXX XXXX or my paystubs looked funny. It seems that someone was contacting these places I was applying for. It seems I may have been under some kind of investigation all the time I am asking law enforcement for help with what i was being put through. so my complaint is against the credit reporting agencies for what i believe have been manipulating my credit score to keep it low so i can not purchase a vehicle at the behest of law enforcement of an individual or group.

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 2021-10-14 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: FL

Complaint narrative:
I have a bankruptcy on my report that I have been trying to dispute. I have mail documents from XXXX XXXX and my local court house and experian still refuse to delete this information. I have asked this company to send me the verification information and have yet to receive this information

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 2021-10-14 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I had applied for a car loan with Kia motor finance and was approved in XXXX of 2021. The car was paid off in 3 months. XXXX Of 2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XXXX. XXXX 2021. No contact no update.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
There have been over 100 (! ) cases where my First Citizen 's Bank ( FCB ) debit card, for which I am the Sole Authorized User and which has Always been in my possession, has been Fraudulently used. On XX/XX/XXXX, there were 14 uses transactions/uses of my debit card, including in XXXX states where I do not live. I have initiated 7 disputes, and heard nothing from FCB. On XX/XX/XXXX, FCB placed about $ XXXX in my account, related to disputed transactions - when I went to the branch, all monies had been withdrawn. This has created EXTREME FINANCIAL HARDSHIP for me and has taken a GREAT DEAL of my time. I am also HIGHLY CONCERNED as FCB is the only entity with which I have had this problem- it goes to Cybersecurity, which, for XXXX as A BANK [ holds money ]. should be very high, and FCB 's OWN INTERNAL PROCEDURES- this is THEFT, a huge amount, which as a Financial ; Institution, FCB has- I beleive - a RESPONSIBILITY TO HAVE INTERNAL PROTECTIONS, as the debit card was NOT lost or stolen ( which I would have reported ). This to me goes to BASIC Bank Responsibilities, possibly Fiduciary Duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was served papers last week stating I was being garnished for a credit card from Providian national bank taken out in my name on XX/XX/2000. I was a stay at home mom at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed inquiries from my credit report since I have never authorized them. XXXX had removed these already but TransUnion is still reporting these items.

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 2021-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Someone applied for a credit card at XXXX MC through Comenity Bank using my ID on XXXX XXXX. It is a fraud as I have not applied for it. I have alerted XXXX fraud department about ID theft. They will follow up to cancel the credit card. I don't know how much has been charged to the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Upgrade 's website system would not take a payment from me so I called their customer service and they wanted me to pay a higher amount than what was due.

Company response to consumer: Closed with monetary relief