vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
My old apartment complex submitted a fraudulent charge after I moved out. I refused to pay and no one at the complex nor management company ( XXXX XXXX XXXX ) would respond to my multiple calls to resolve this matter. A few months later, they sold/sent the account National Credit Systems . NCS offered to settle the account for {$140.00}. I paid the {$140.00} plus the processing fee which brought the total amount paid to {$150.00} on XX/XX/year>. 
I have made several phone call to the company ( NCS ) without a response and I made a few attempts to have it disputed through the credit bureaus without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Discovering unauthorized inquiries on my credit report this morning has left me deeply frustrated. I double-checked my report and even refreshed my browser to see if it was a mistake, but the inquiries remain. I demand that the documents Ive provided are reviewed and this issue resolved without delay so I can stop worrying about this.

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 2024-11-15 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: FL

Complaint narrative:
I was shocked to see inaccurate accounts appear on my credit report tonight, and I have no idea how this happened. When I checked my credit report, as I usually do, I was stunned to find unexplained discrepancies. Refreshing my browser didnt helpit wasnt just a glitch. These errors remained even after multiple attempts. Because of this, I am asking for a thorough review of the documents Ive provided so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quantum3 Group, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, my XXXX  XXXX bankruptcy case ( XXXX XXXX. XXXX ) was discharged by the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX  XXXX This discharge included all debts owed to XXXX XXXX XXXX XXXX ( XXXX ), as confirmed in the discharge order. Despite the discharge, XXXX sold one of the discharged debts to Quantum3 Group in XXXX. 

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from taking any action to enforce, collect, or transfer a discharged debt. By selling the debt, XXXX violated federal bankruptcy law. While Quantum3 Group claims it is not a debt collector, the possession of the discharged debt creates confusion and potential for improper enforcement. 

Additionally, XXXX imposed restrictions on my ability to open a new account, citing this discharged debt as the reason, further violating the discharge protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2024-11-15 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: HI

Complaint narrative:
All my inclosed inquiries are in error and they were not Authorized and I want helped them removed from my credit report from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
i did not ask XXXX to freeze my report. they did it they did not remove the identity theft, which they have a case # for and uusporting docs since XXXX from XXXX XXXX The do not have every bit of information on the credit report in terms high limits they have my landlord but do not list monthly payments correctly and ive been here since XXXX. they dont have amount paid on XXXX XXXX for months reason report not updated? they did not request or supply a copy of XXXX  XXXX  XXXX policy nor validate the forgiveness letter for XX/XX/XXXX which is a gift apparently but still not annotated. student loan they closed because I paid but marked me marked 90 days late or XXXX  most of the time and the loan never defaulted. how do you go frim paid or defferred to 90 days late. they did this for many years after a lot. XXXX may be responsible but bot my fault

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
i did not ask XXXX to freeze my report. they did it they did not remove the identity theft, which they have a case # for and XXXX  docs since XXXX from XXXX XXXX The do not have every bit of information on the credit report in terms high limits they have my landlord but do not list monthly payments correctly and ive been here since XXXX. they dont have amount paid on XXXX XXXX for months reason report not updated? they did not request or supply a copy of ally financials XXXX policy nor validate the forgiveness letter for XX/XX/XXXX which is a gift apparently but still not annotated. student loan they closed because I paid but marked me marked 90 days late or XXXX most of the time and the loan never defaulted. how do you go frim paid or defferred to 90 days late. they did this for many years after a lot. XXXX XXXX be responsible but bot my fault

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 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase locked my ability to send crypto. This is a problem for many month. I tried multiple times to chat and talk to Coinbase. They sent me on loops. Recently, I ask coinbase to allow me to send my crypto off Coinbase, then they lock my account. Now I can not even login. 

If you look on trust pilot for Coinbase review online, there are a lot of Coinbase users have the same experience. Coinbase locking user funds, ignoring them, send them on loops. Refusing to allow customer to access their crypto or send it off Coinbase. 

One of the chat, I took photos of a 4 hour chat with 5 Coinbase agent as I was trying to send my crypto. I tried to upload those photos? But there are too many to upload.

I called in to Coinbase. I spoke to their agent who said he is sorry, but he would have to ask higher level support. Conveniently, then the line went dead and they locked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-15 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: FL

Complaint narrative:
It was deeply upsetting to find inaccurate accounts listed on my credit report tonight, and I am completely baffled as to how they got there. I check my credit report regularly, but this time, I noticed discrepancies that I wasnt expecting at all. I even refreshed my browser multiple times, thinking it might be a glitch, but the errors persisted. Given this, Im asking for a detailed review of the documents I provided to ensure this issue never happens again.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXXXX/XX/XXXX, I was updated with a derogatory mark from Equifax that affected my credit profile. On XX/XX/XXXXXXXX I sent a dispute regarding the inaccuracies listed on this account It is a clear violation of the FCRA!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company called me after getting my timeshare claiming to work for XXXX to rent out time shares. After filling out a docusign and getting some info they then ran my credit card for a XXXX hold they claimed was just pending for XXXX  days and then Id start getting paid monthly for my rentals. After XXXX  days of not being paid I began to email and call and ask why all their emails led to dead ends and full reservation for the timeshare getaways. After another XXXX days of them giving me run around answer like we will pay you shortly and you mustve not got our last email I then began to google the company. It was discovered recently it was a fraudulent scam company. I got a number from my local XXXX  capital one branch in Texas to call. From there I had to sit on the phone XXXX different times to get a response of easy case you will get credited money today and then a letter stating how the investigation went. Then after that they re credited my account the money out and claimed they couldnt verify my findings. After screenshot of XXXX. Random websites, and the XXXX  showing they are a fraud. They still refused to refund my money and told me they couldnt verify it as fraudulent. Then when I asked them to re open the case they have refuse. I now have tried appeal with no success. Writing a letter of appeal to send in and currently writing complaints with the FTC against the company as a fraud. And now trying to file this to encourage the bank to do their job and treat their customers fairly even if Im considered poor to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am currently in mediation with Wells Fargo due to issues with how they have handled my loan. Specifically, they failed to apply all my payments correctly, added legal fees as part of the loan modification process, delayed the loan modification itself, and reported negative information to the credit bureaus. 

As part of the mediation process, I requested a full payment history from the beginning of my loan. Wells Fargo instructed me to request this information from my current loan servicer. I did so, but the loan servicer only provided the payment history starting from XXXX, when the loan was transferred to Wells Fargo. 

I still need the payment history from before the loan was transferred to Wells Fargo, but despite numerous calls and repeated requests, they have refused to provide this information. This is critical for resolving the discrepancies and understanding how the payments were applied and continue my effort to mediate.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b7 ) .| I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 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 has 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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX I signed an agreement with XXXX bring my account current. XXXX refused to allow me to participate in the programs offered due to loss of employment during XXXX. XXXX offered the option to Defers payment for XXXX customers up to XXXX  days during. I was not offered this option by the representatives in customer service. 

On XX/XX/XXXX I sent an email To XXXX XXXX XXXX of XXXX XXXX. And intern I was contacted by XXXX in XXXX customer relations whom issued an agreement. This is the agreement that I signed on XX/XX/XXXX. 

The XXXX financial account shows as charged off. I have not received a letter or XXXX indicating the account is charged off so it does not count against my 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/24 I Called Capital One help center ( XXXX ) because on XXXX  XX/XX/XXXX I had submitted a payment by autopay of {$82.00} to pay on my card before it was due. It says in my app that the payment that was posted on the XXXX of XXXX was returned on the XXXX along with a late fee of {$40.00}. I called asking why it was returned because any payment Ive made previously on this card has been returned with late fees stacking up because of it. She said it could be because I made the payments to late and it just didnt process in time or I didnt have enough money in my bank account. That wasnt the issue because every payment I made I made on time with enough money in my account which I told her. Then she tells me that its because my bank account in their system is labeled as a business bank account. So she claimed she needed my bank account number and routing number info in order to proceed to fixing the issue I was having with my returned payments. Im skeptical hearing this because Im aware of the fact shes at home from the sound of a rooster I kept hearing in the background as well as the fact shes asking for my my account and routing number. She was able to pull up my past transactions and payments from only knowing the last digits on my card so I figured this was legit so with all my bank information along with my social security number she said the issue was resolved after I had received an email from capital one reading my information was updated. So from what she said I shouldnt have issues with my payments being returned anymore. She then asks when Id like my payment resubmitted so I tell her XX/XX/XXXX but after she removes all the late fees from my returned payments so I can just pay the original amount due. After I ask her to remove the late fees she just repeats herself asking when Id like to reschedule the payment that was due including all XXXX payments past due. So I ask her again will you remove the late fees from all the other previous returned payments. She then tells me as a XXXX time courtesy they can only remove XXXX so I finally agree mainly because of the fact I can barely understand her XXXX and it seemed like I was receiving the run around any time Id ask to have the fees dismissed. So with only XXXX payment fee of {$40.00} dollars removed It says in my app I have an automatic payment of {$130.00} scheduled for XX/XX/XXXX which is including all XXXX late fees from my returned payments. I want to be done with Capital One because of issues like this but dont want my credit to be affected from closing the account. I had this same issue with an old account that they ended up closing because of this same exact problem. I dont understand why none of my payments would go through to pay my dues on my credit card and why I should be held responsible financially for all late fees included from them not going through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I used my cashapp card to purchase a concert ticket. I closed my cashapp account XX/XX/year>. The concert was cancelled & my refund was issued to the card I used to purchase ticket which was the closed cashapp account. Cashapp has received the refund and is refusing to issue to refund to me

Company response to consumer: Closed with explanation