vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I open a digitalwallet with Coinbase.com I tarnsfered some of my cryto toth wallet as suggested by Coinbase. I bought a new cell phone and my saved info was lost to sign onto the Coinbase XXXX account. So i went onto th site and it asked me to sign in with a 12 word sign info supposedly given to me when i open the wallet account, NO SUCH 12 words were ever given to me! I asked the company through CHAT and i was told too bad, if i lose my 12 word info i can't get into my account, EVER! LOST my money! I'm a senior citizen on a fixed income with XXXX n i need my money!!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I went to apply for an auto loan and was told there was a fraud alert on my Equifax report. Upon checking, I do not have an active alert but I do see where all my accounts have been erased. I am requesting that the missing accounts be added back to my credit profile and my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I received mail from this so called place named Credit managements L.P. They stated that they are debt collectors and that I owe money to another company. I know in fact that I dont because Ive never had anything to do with this company they are stating that I owe money to. Ive read countless amounts of reviews on XXXX stating these people either scammed them out of their money or tried to by saying they owed money when they really didnt. Ive called but they constantly hang up. Im not even sure how this mail got to me because they spelled my entire name wrong. Either way this place is a scam and I do not owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: NY

Complaint narrative:
I sent out two letters dated XX/XX/XXXX via certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to have inaccurate items removed from my credit report. Those items were XXXX XXXX XXXX  XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. Equifax has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: GA

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. 

Account name : XXXX - Following too closely, driving on wrong side/wrong direction Account name : XX/XX/2022 - At Fault Bodily Injury Accident Account name : XX/XX/2022 - Following too closely, driving on wrong side/wrong direction 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 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Concerning our car loan with Ally Financial Inc. A letter dated XX/XX/XXXX from a XXXX XXXX XXXX the Executive Customer Relations division, stated in a letter she would inform all credit bureaus Ally Financial Inc. was incorrect in reporting us 30 days late in XXXX. The 30 days late remains on our credit report, adversely affecting our credit profile. I have made several attempts to communicate with a XXXX XXXX, leaving her voicemails. As of XX/XX/XXXX, XXXX XXXX has not responded to my calls. 

Additionally, despite Ally Financial Inc. falsely repossessing the vehicle, taking advantage of the Covid-19 waiver period, stating we would not be reported late, this was false. We were reported late every month during the 90 day waiver period. Again, in XXXX when we became displaced from our home due to mold, we were informed Ally Financial is willing to " negotiate '' any late fees at the end of the loan. We trusted this pledge. However, they refuse to waive or negotiate any of the late fees and will not release the title. We trusted Ally Financial to a honest and trustworthy bank. However, Ally Financial has all but destroyed our faith in their promises. Verbally or otherwise.

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 2023-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent money to my credit card by accident on XXXX/XXXX, I called my credit card company on the same day requesting for those funds to be sent back to me via my checking account. The amount was for {$4500.00}, I was trying to send it to my daughter for her payment of rent, security and brokerage fee for her new apartment. I called Bank of America every 3 or 4 days to check in receiving my funds back because I stated I needed to pay my rent therefore it was a hardship but every time I call they give me the same information 3 to 4 business days. Please help I need my funds now.

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 2023-02-27 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: IL

Complaint narrative:
per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. My XXXXXXXX XXXX  accounts have inaccurate information regarding a pass due status. lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX XXXX XXXX, I logged on to XXXX to access my credit report ( for the first time ) and noticed that Resurgent Capital Services was reporting account # XXXX is being as being in collections. This is not my debt. I never created this debt, opened an account, or signed an agreement to pay this account. I do not owe Resurgent Capital Services/ LVNV Funding any money. 

In an effort to get this resolved, I sent a debt validation letter ( included below as " Copy of Debt Validation Request.pdf '' to Resurgent Capital Services on XXXX XXXX, XXXX ( copy of certified mail receipt included as " Certified Mail Receipt.jpeg ''. ) In the letter, I requested the Resurgent Capital Services provide me with competent evidence that I owed them money, including : Agreement with their client that grants them the authority to collect on this debt. 
An agreement bearing the signature of myself wherein I agreed to pay this account. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold Resurgent Capital Services. 
Complete accounting of alleged debt. 
Any judgements obtained by any creditor regarding this account. 
Proof that they are licensed in Pennsylvania to pursue this debt According to XXXX, they received this request on XXXX XXXX, XXXX ( XXXX XXXX XXXX. ) On XXXX XXXX, XXXX, I received two letters in the mail from them. The first included a brief letter ( resurgent capital letter received 2 27.jpeg ) and and their alleged records that show an account that I never opened or had ( Resurgent Capital Alleged Record 2 27.jpeg. ) The second letter included a judgement that was filed against on behalf of LVNV Funding LLC on XX/XX/XXXXXXXX.

Resurgent Capital was unable to furnish me with the bulk of what I requested, including an agreement bearing the signature of myself wherein I agreed to pay this alleged account, proof that they are licensed in Pennsylvania to pursue the debt, or an agreement with the alleged creditor that granted them authority to collect this alleged debt. Therefore, they failed to sufficiently validate this alleged debt. 

As of this month Resurgent Capital Services is continuing to falsely report to the credit bureaus that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account Name : XXXXXXXX XXXX/Account # XXXX, Account Name : XXXX /Account # XXXX, Account Name : XXXX XXXX XXXX XXXX/ Account # XXXX, Account Name : XXXX XXXX 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 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 seven 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 non-monetary relief
Consumer complaint received 2023-02-27 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:
On XX/XX/ 2023 I received a notification stating that an " EQUIFAX MORTGAGE SERVICE '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, EQUIFAX and XXXX. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX2023 and it is now 30 days past and the inquiry has still not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
I set up a payment arrangement online to this company and pay weekly. They wont stop sending threatening letters even after paying weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our prior management never transferred control or signature authority of CapitalOne Business Savings Account # XXXX to any of the current management. We have no way to regain control of the account and our funds have been effectively stolen. I am the XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX. 

I am empowered by our Board of Directors to gain administrative access to all of our financial accounts and records. I have access to the prior Controller/CFO 's email address which sends me notice that a statement is available for our corporation 's bank account. However, I have no way to gain access to the account or statements. I have called customer service and was escalated to a supervisor who said that they had no process to transfer control of the account without the participation of the retired signees on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: GA

Complaint narrative:
I added unauthorized inquires XXXX, XXXX, UNIVERSITY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: FIRST ADVANTAGE CORPORATION
State: GA

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. 

Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direction Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I received a notification stating that an " XXXX XXXX XXXX '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus TRANSUNION, XXXX and XXXX. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX and it is now 30 days past and the inquiry has still not been removed 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 non-monetary relief
Consumer complaint received 2023-02-27 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:
On XX/XX/2023 I received a notification stating that an " XXXX XXXX XXXX '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, XXXX and EXPERIAN. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX and it is now 30 days past and the inquiry has still not been removed 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: NJ

Complaint narrative:
DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is regarding Bank of America 's Alaska Mileage Plan Credit Card. 

I paid my Annual fee of $ XXXX on XX/XX/XXXX. I received a notice dated XX/XX/XXXX that the annual fee would be increasing to $ XXXX on my next account anniversary ( XX/XX/XXXX ). The notice stated that if I did not consent to the increase I needed to call XXXX before XX/XX/XXXX. When I contacted them on or around XX/XX/XXXX the automated service said the account would be closed, which it was on or around XX/XX/XXXX when the account balance payment posted. Since I had just paid the annual fee one month prior I felt I deserved a refund of the $ XXXX fee since I no longer has access to the account services. 

When I contacted Bank of America they told me they could not credit me the the Annual Fee because charges had posted to my account in XXXX after I paid the annual fee in XXXX, but before I receive the fee increase notice in XXXX. I feel this practice was unfair and somewhat predatory. I paid a fee for services that I was unable to use because I followed the procedures they set. I do not understand why I had to agree to a service charge increase 11 months before my anniversary date and by doing so lost access to the account services I had paid for. 

This may not be a large sum of money individually, but other people must have been subject to the same practice which seems like a way for BofA to collect large sums of money without providing any service.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Me and my husband applied for a credit card we were sent a pres-screening. We both applied my husband doesnt work I work he was approved for {$25000.00} with no income and a credit score of XXXX charge-offs etc. I another hand was approved for {$15000.00}. I have a credit score of XXXX better and I work I have all the income. I see that this is a discrimination of some kind either gender or race. I want to know who to talk to you I have sent letters nobody has respond. All I asked was that I have the same respect as my husband as a white male and as a female can I please get somebody to help me with this situation its been going on for years Ive sent a letter nobody replied back, and I do have a copy of the letter that I sent a year or two ago. Also, I have a plied for a credit increase. Several times I was denied Ive always paid my bill on time. I have once have even paid off the credit card and I was still denied for a credit line increase even in the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation