vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
First Heritage Credit located at XXXX XXXX XXXX XXXXXXXX in XXXX, LA XXXX pulled my Credit without my consent on XXXX XXXX and XXXX XXXX. I spoke with an employee on XX/XX/XXXX and made a payment and payment arrangements. They had no reason to pull my credit report and give me a hard inquiry when I spoke with them less than 3 weeks ago. I called on XX/XX/XXXX and the employee stated they can pull my report every 30 days to obtain current information. This is absolute abuse. I spoke with them on XX/XX/23 and there was no reason for a hard inquiry on XX/XX/23. They are manipulating, abusing, and taking advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.

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 2023-03-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights . 

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

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

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 2023-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A Capital One account was opened using my information, I was unaware of this account until I began trying to repair my credit. That is when I saw this account I never even recall opening. I have notified the credit bureaus of this fraud. I have already filed a police report regarding this account, as well as others included in this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I checked my credit score and it had gone down XXXX points. I figured out that it was a charge for {$2.00} on my Khols card that I only got for discounts and never used. It seems I used it to get a discount and somehow they accidently put {$2.00} on in instead of charging my Debit card the full amount for the purchase. I called and it turns out they had my incorrect address which I had them fix. I paid off and closed the card and was assured the credit agencies would be contacted to repair my credit. Next month I check my credit expecting it to be fixed but instead it was down another XXXX points. I called again and not only did they get my address wrong again but they also got my debit card number incorrect so my card was still not paid off! 

I got it paid off again and got them the correct address again. Then I got a letter saying that if I wanted my credit fixed I had to send them all of my info and an explanation of what happened and my credit score by mail or FAX. I can't even find anyone who does faxing. I am doing my best to make that happen today but what if nothing comes of it? Its XXXX and they still have not fixed things. What do I do if they keep screwing up and not doing what they said they would? My credit score was in the low XXXX and now it is in the mid XXXX. I've worked my XXXX off as a low income person to keep my credit score high because it has been so helpful. 

I tried to file a complaint with the XXXX  but even that is proving tricky.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Filing a complaint because Bank of America ( BOA ) refuses to reinstate funds to our company for a $ XXXX check fraudulently cashed on our business checking account. The check was written and mailed on XX/XX/XXXX to a vendor from a post office box. The check never made it to the intended vendor. It was intercepted and cashed fraudulently. After the vendor never received the check ( though it was cashed ), a copy of the check was requested from BOA and that was when it was discovered that the face of the check was altered ( pay to, address ) and cashed via fraud. All of our company checks over $ XXXX require XXXX signatures, as stated on all checks. Because of this, BOA should have never allowed the check to be cashed. The perpetrator wiped the note off as well as cleared the second signature. The check was cashed/deposited into the perpetrators account. An investigation was formally started with BOAs fraud department in XX/XX/XXXX. BOA completed the investigation on XX/XX/XXXX. As a result of the investigation, BOA absolved themselves stating that funds would not be reinstated to our company because we did not implement Positive Pay Service ( s ) on account to prevent fraud. BOA has not proven they offered the services to our company. 

Our company filed a complaint against BOA with the OCC in XX/XX/XXXX. BOAs regulatory compliance group handled the complaint once it was received from the OCC. The BOA regulatory compliance group took a couple of weeks to review. They went back to the fraud protection group to get information. The regulatory compliance group contacted our company XX/XX/XXXX to say they would not overturn the earlier decision made by the fraud protection group and refused to restore the funds taken.

We wish to file a formal complaint with you, the CFPB, against BOA as our company feels it has been unlawfully mishandled. BOA is mega bank that has made lots of money and interest off our company and many others. This refusal is egregious and predatory on BOA 's part. BOA has refused to take responsibility. Your assistance is appreciated. Thank 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 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I have an account with Coinbase that I opened in XXXX. This account is under the email : XXXX. However, beginning the year of XXXX, I have been unable to sign in to my account because when I try to sign in, I get a message that reads " error : No Coinbase account exists for this email. '' But I am using the same email I have always used for my account and yet it won't let me sign in. I have money in that account that I am, currently, unable to access because I can not sign in. I have reached out to Coinbase via various avenues such as email, cell phone, the Coinbase website, but have not received any response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Multiple times I have signed up for and used Toyota Financial Services ' " Autopay '' feature. This system is supposed to pull money from my bank account on the due date and pay the monthly fees for my lease. 

Unfortunately for various reasons, Toyota keeps canceling the autopay without notification and the earliest notice I get from Toyota is when the account becomes past due and they are approaching the 30-day mark to impact credit scores. 

This has happened on three occasions now, once a couple of years ago, once when I was coming to a close on my lease, and once on my brand new lease. 

The first time the agent just put it down to a " weird system error '' and luckily it was fixed pretty quickly since it was spotted by myself. 

The second time it was tracked down to an agent who canceled it when extending the " lease period '' for 6 months due to my local dealership having no cars available. This happened without my knowledge and then Toyota couldn't tell me if they had applied a derogatory mark on my credit file, and I had to wait 2 months to make sure none appeared. When speaking with an executive escalation they agreed that the cancellation without notice was unusual however policy wouldn't allow them to make a goodwill adjustment if a derogatory mark appeared on my credit rating ( luckily it did not ). 

The most recent time I received a call from Toyota telling me it was past due, I asked to double check since I had set up auto pay and the agent couldn't find any autopay linked to my account. They also told me that no " billing information '' was linked to my account ( despite being able to log in and see my own billing details ). They promised a callback from a manager within 24 hours but no call was forthcoming. The call was to deal with two areas 1 ) Why the autopay keeps being canceled and 2 ) When I leased the car I was told that Toyota FS would send out a second " keyfob '' this hasn't arrived from Toyota fs yet. 

Unfortunately having to constantly check if the payment has been taken out negates the benefit of having autopay. When the company randomly cancels it - it causes significant angst and worries over having my credit rating potentially dented due to terrible systems including an agent 's incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
My name is XXXX XXXX. At the time of my accident XX/XX/2022, my name was XXXX XXXX. My insurance company paid {$16.00}, XXXX received XX/XX/2022 and my gap insurance paid {$240.00} received on XX/XX/2022 which left my principal balance at {$320.00} and as of XX/XX/2022 it was according to XXXX XXXX of complaint department {$310.00}. I've attached the email/attachment to confirm this. I made a payment arrangement for $ XXXX starting XX/XX/2022. Late XX/XX/2022 our family was going through hardship so I called to have my payments reduced to $ XXXX. I lodged a complaint and a XXXX called me. I told him my situation and asked him if he could change my payment to $ XXXX. He said no but I could make the $ XXXX payment because the interest will not be damaging. Now, I believe I've overpaid this balance yet I keep receiving threatening emails ( attached email ). Or they are charging me a lot of interest. I'm writing you to investigate because something isn't right. I feel like they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit is reporting a collection account on my reports that I am not familiar with. I have tried contacting this regarding this account and have not gotten a response back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

Per the FCRA, the consumer has the right to dispute any inaccurate and invalid information from their reports and in receipt of my dispute, the consumer reporting agency must acknowledge and conduct an investigation. 

Midland Credit is in violation of my rights as a consumer as they have not responded to my disputed concerns of this debt and I am demanding all documents concerning this account be sent to my mailing address and this account be deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: LEXISNEXIS
State: IL

Complaint narrative:
I have contacted this company for so many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts where are reporting incorrectly and no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

Complaint narrative:
I am requesting how Experian verified the completeness and accuracy of a bankruptcy record on my consumer file. In its conclusion of an investigation on XX/XX/23 report # XXXX, Experian stated that the company has certified the accuracy of this record. However, Experian has not provided me the name and address of this company and how they verified the accuracy and completeness of this record.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Medical Data Systems is reporting a collection account on my reports that I have disputed for some time now. I never received any notice of this debt or that it would be reporting on my credit reports. I have contacted Medical Data Systems regarding this account and have never heard anything back. Per the FCRA, the consumer must be notified of any accounts that will report on their credit reports and it is the responsibility of the consumer reporting agency to report accurate information. I am demanding that this account is deleted from my reports as they are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: GA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violation of my federally protected consumer rights.

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 2023-03-06 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:
The credit card agreement and explanation from company is contradicting. When I questioned how they arrived at the fees and interest, the company gave me this explanation : Per the terms of your cardmember agreement, if the total minimum payment due is not paid by the payment due date ( which is the XXXX of each month ) a late fee may be assessed of {$28.00}. If a late fee has been assessed within the last six billing cycles, a late fee of {$39.00} may be assessed. 
As required under regulations, the dollar amount associated with a late payment can not be assessed which exceeds the amount required in the minimum periodic payment. As such, the late fee assessed for XX/XX/2022, XX/XX/2022, and XX/XX/2022, were {$28.00}, {$27.00}, and {$37.00} respectively. Please note that your cardmember agreement is available at any time at. 

My response wasThank you for your response. Your explanation of the late fee accessed does not justify the amount of {$27.00} and {$37.00}. Neither amounts are {$28.00} and {$39.00}. It appears that avant arbitrarily picked those numbers. 

I tried for several months to resolve this issue with company and it is misleading to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Fraudulent charges and the credit card company refused to remove them. The charges are highly suspicious. I had a XXXX balance and can not remember the last time I used this card. The type of charges and frequency should have been picked up by the algorithm they use for security. I reported a card missing, immediately closed my account and filed a Sherrifs 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 monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CT

Complaint narrative:
Again was allowed to transfer all of my funds to a malicious investment site. Crypto.com should have stopped me or have had some time of security in place for this. All the transactions are in the screenshots and dates. Crypto.com just needs to check all of the withdrawals from my crypto account to verify.

Company response to consumer: Closed with explanation