vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: IA

Complaint narrative:
I went to, pay my XXXX bill and gasp at the high amount. As I looked I realized there were three amounts/billers that I did not recommend. One was for {$1800.00} early in the billing period, the second about 10 days later for {$20.00} and a third at the end of the billing cycle for {$5200.00}. 

I reported it to Bank of America and they said they would look into it. They denied it was fraud and was consistent with previous charges with the merchant. I have never done any dealings with them. I have no merchandise, no delivery notice. 

I checked the transaction on the entry and they are to the same business. I called the number XXXX claiming to be XXXX. They had the options, welcome, etc. but never could speak to anyone. After 45 minutes of trying I gave up. My XXXX display had on the top of the call fraud XXXX. 

I have sent three letters to them to ask them to reopen and still the charges are mounting with now interest. 

The federal fair trade act has Bank of America as a % liability policy. 

Ive reported it to Police here in XXXX. The case is on file in XXXX county I wrote to our attorney general

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
We opened a merchant account with Bank Of America back in XXXX, XXXX, And after opening the account we noticed that BOA is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since BOA was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from BOA claiming that I owe them this amount. I requested BOA and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since BOA didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from BOA and XXXX. 

XXXX 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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
Dated XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX in reference to XXXX XXXX XXXX in the amount of {$550.00}. I don't know who this collections agency ( FCS ) is nor have I agreed to do any business with this organization. I have not signed any agreement of any kind with FCS. Please refer this alleged debt to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern at Experian, I XXXX XXXX request in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The account is no longer in dispute. 

I am asking the dispute comment to be removed from the following items : 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 non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello and thank you for reading this. 

I had a major issue with coinbase. After reading into it it seems I am not the only one.

Coinbase was hacked and my account was included in the hack. I lost {$3700.00} at the moment in the account overnight. 

After reaching out to coinbase they investigated and reverted blame to me. They claimed that my Emails were hacked. I confirmed with my Providers and on XX/XX/2021 ( date of hack ) my email was safe. Coinbase never sent a log in confirmation and I have a two step verification every time I log on. After looking at the transaction details there was XXXX stolen from Coinbase in one transaction several accounts were effected. They deleted the transaction report when I went to print it it was gone. I found this as a huge red flag and they now not only are not helping customers but they are illegally hiding documents from their customers. 

I really just want to make sure this doesnt keep happening to hard working people. I like many people who invest in these companies are not wealthy but its not about the money what they are doing is wrong. I hope someone reads this and can help. I just want some justice for people who have fell victim to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage -I have tried to see why they are not updating my payments through the website. I paid XXXX and it still showing that it has not been paid as of XX/XX/XXXX. I can see on the website the payment distribution but not from the current due amount. I got a phone call on XX/XX/XXXX in response to an email that broke down all of my payments in this email I asked for an email for my records but they keep calling. I believe that they are being deceptive by now showing my account accurately and by now reporting it accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

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 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: OR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/2021. 

I received a notice from National Credit Systems dated XX/XX/2021 stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information which means they have failed to validate a debt. None of the documents they sent have my signature. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. That means that National Credit Systems , Inc is
also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED I HAVE A CHAPTER XXXX FILING WHICH IS NOT FACTUAL AND ANOTHER ACCOUNT THAT DOESN'T BELONG 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 2021-08-31 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: Certegy Holdings, LLC
State: IL

Complaint narrative:
certegy recommended decline payment transactions because their record indicate that there is negative information.That is blacklisting as seen on outstanding items there is no information on file. Federal law protects Social security and pensions and XXXX from collections, as banking regulations protect the account into which fedral funds are deposited

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 2021-08-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I checked my credit report on XX/XX/XXXX and realized that fifth third bank reported 30 day late on XXXX of XXXX, i checked on my records and its showing i mailed out a check on XX/XX/XXXX and the check was processed on XX/XX/XXXX on my bank records. 

I called fifth third bank on XX/XX/XXXX asking why they reported late on XX/XX/XXXX, and representative named XXXX with id number # XXXX told me that he is seeing my XX/XX/XXXX due date payment was posted on XX/XX/XXXX, and he said that sometimes a payment can get misplaced and reported in the office till its posted, and if on my bank records its showing payment was posted earlier, fifth third bank needs to remove the late from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I had over-paid through a debt consolidation loan a credit card ( Comenity Bank ). I called to close the account and request a refund of the credit on account ( XX/XX/XXXX ). I provided my personal checking account numbers so a direct deposit could be done. I expected to wait 5 - 7 business days for this to happen. When the money had not been placed in my account, I called again and was told that they do not do direct deposits and that a check would be issued for the amount over-paid. I waited again and nothing. I called once again and was told that there was a mistake at the company and that the check was written for more than was owed. I assumed that they would have just processed a new check and get it out to me. I again called and was assured that the money would be in my account on XX/XX/2021. On XX/XX/XXXX the money was not there. I called again and was told that the " supervisor '' would issue a 2nd Request ... I was literally in tears at the end of this phone call. I called on XX/XX/2021 and was told that a check was issued and I should see it in about 10 days. I thought that maybe just reactivating the card would allow me to use the funds. Not possible. Very disappointed in not being able to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I noticed a collection on my credit account from collection agency AD Astra Recovery Services Inc. for a {$310.00} loan from Speedy Cash. I contacted the collection agency via telephone to complete a dispute. I was informed that a written dispute was the only form of dispute they accept. I sent the agency a Validation of Debt letter on XX/XX/XXXX requesting a number of documents to validate this alleged debt. They responded back to my Validation of Debt letter missing all of the requested documents. I contacted the agency within 30 days of receiving response. I spoke with a representative in regards to missing requested documents, she informed me that they do not have the requested documents and that I would need to contact original creditor. I informed them that being that they are the agency that is reporting this alleged debt to the credit bureaus, they should be able to send the requested documents. However, being that they did not respond with requested documents within 30 days, they were therefore were unable to validate the debt and I am requesting for the account to be deleted. I was then transferred to supervisor XXXX ID # XXXX, who informed me that they sent over what they had and the account will not be deleted. I informed him that what they sent was not what I requested, and the name that they had on file was not even my name. He just repeated several times that the account will not be deleted. 
I requested the following documents : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgements obtained by and creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor. 
Alleged account number. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They responded to my requests with a letter that has an inaccurate spelling of my name as well as just a receipt from Speedy Cash. They did not send any other supporting documents to validate the alleged debt they are reporting to the credit bureaus. I informed AD Astra Recovery Solutions, both written and verbally, that if the alleged debt is not validated with the requested documents within 30 days the account needs to be deleted. AD Astra Recovery Services Inc. did NOT validate alleged debt within 30 days. They also refused to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I was charged a late fee on a new card before I had even received the card or an initial bill. I have sent an email as they requested over a month ago and have been ignored. Have tried to call on several occasions and was on hold for over 30 minutes without a representative answering.

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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA WAS PAID AND CURRENT AS OF XX/XX/2021. I WAS CAUGHT UP ON ALL OF MY ACCOUNTS. WITH THE XXXX  AND XXXX  I WAS XXXX XXXX IN THE HOSPITAL FOR XXXX WEEKS. THE COMPANY KEPT ON SENDING ME PAPERWORK FROM THE ESTATE DEPT. LONG STORY SHORT, THEY WERE UNDER THE IMPRESSION I HAD DIED. THEY SAID THEY CALLED AND SAID SOMEBODY TOLD THEM I DIED. THAT IS NOT TRUE. SO WHAT THEY DECIDED TO DO IS RESET MY ACCOUNT TO SHOW IT'S 2 MONTHS PAST DUE AS OF XX/XX/2021. IT SHOULD BE 6 MONTHS PAST. THE ROLLING THE LATE CHARGES AND FEE 'S AND INTERST ALL OVER AGAIN. IHAVE TRIED TO CALL THEM AND THEY WILL NOT TALK TO ME. SO, IN ESSENCE, THEY ARE GONG TO CHARGE ME INTEREST, LATE CHARGES AND FEES TILL XXXX BEFORE I CAN SETTLE THIS ACCOUNT. THIS IS A MAJOR FDCPA VIOLATION.

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 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Card was emailed and said to be delivered on XXXX XXXX it wasn't delivered and was returned to them. 
Contacted on the XXXX of XXXX asking for a replacement card. Only a generic copy and paste was given that an expedited card would be sent out ( they even forgot to delete the quotation marks ). No card was sent out at all in the end. 
Contacted again on the XXXX asking where card was. They had said no card was sent out and they would be sending an expedited card. They did not and completely cancelled the account instead. 
Called on XX/XX/XXXX and they told me my account was cancelled without my consent.

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