vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
i ordered something from XXXX  and arrived defective i tried to contact them nobody helped me i opened dispute with bank and didnt help me either and im stuck with item doesnt work and nobody helping me they kept saying we will help you from XXXX  but never did i do have all the messages on the email charge was for {$330.00}

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 2024-03-19 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: TN

Complaint narrative:
While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
During the month of XX/XX/2023 I received letters from XXXX XXXX XXXX that I owed them around {$930.00} for credit card debt. I asked them to validate the debt by requesting from them to send me information on the validity of the debt by providing me a contract between me and them with my signature on it that I owed them the money. They never sent me the contract. I requested it again and gave them the opportunity to Cure and they again never sent it to me and then they sued me. This is NOT right ; I was trying to work with them by asking them to send me a written contract that I owed them the money and they never sent me the contract and just neglected me and sued me and ruined my credit. This is unfair practices on their part in accordance with FDCP and not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. Please help me with the unfair practices and tactics that XXXX XXXX XXXX is taking on me and ruining my life as well as my credit.

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 2024-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Today XX/XX/year>, I was alerted by credit karma that I had a new collection by CASHNETUSA. They mentioned that it " I '' took out the loan in XXXX. This couldn't have been possible due to my current situation. This is the second time this has happened where CASHNETUSA has shown up on my account/credit/debt claiming that I owe a debt i've never taken out. I believe that CASHNETUSA may have something to do with this fraudulent behavior because I've personally never been alerted to ever taking out anything. I will be looking more into this myself and will take legal action if necessary. The amount was for over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I made transfer from my other bank account which is XXXX XXXX  and it carried my name. I made the transfer into my SOFI BANK via XXXX. Ever since i made the transfer last year XXXX till this very moment, my SOFI BANK account has been restricted, I can't take my money out nor can i make deposit or withdrawal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I inadvertently used the wrong card for a quick transaction from one of my multiple business accounts with Trust Bank, leading to a minor oversight on my part. The transaction amounted to {$5.00}, resulting in an overdraft of approximately {$3.00} in my checking account. However, without prior notice, Truist Bank imposed a hefty {$36.00} overdraft fee. Surprisingly, I only became aware of this fee the following day, without any prior notification regarding the overdrawn status of my account. 

Upon contacting the business care department, I was informed that they couldn't refund the fee because the transaction was {$5.00} or more. This policy was enforced despite my history of never requesting an overdraft on the account before. This experience has led me to caution others about the banking practices of Truist. Is it reasonable to charge {$36.00} for a {$3.00} overdraft? This incident highlights the questionable practices of this bank.

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 2024-03-19 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: IN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
During this past month I received serval messages claiming to be Citi financial. 
I finally answered the call today, XX/XX/XXXX. Now, the person said they are from a company called XXXX XXXX XXXX or XXXX XXXX. They stated they are a litigation company and a pre-trial division and processing. They stated I owed {$2600.00} from a master card opened in XXXX. Said they were going to take me to court if I do not settle within an hour and pay {$1000.00}. I asked for more information. They sent me an email with a PDF that had limited information, no credit card number, incorrect address and name, and the letter head had no company address, just an XXXX number. Also, the email was suspicious. 
I called my bank for advice and spoke to someone in the fraud department and they told me to not provide any information to this company. 
When I spoke with XXXX XXXX after I spoke with my bank, they were very rude and threatened to file court paperwork right not since I was not willing to pay them. I was willing to pay, but wanted more information. I the past 4 years, I have never received any paperwork in the mail from this company or Citi Financial. However, they had ALL my information. 
I attempted to contract Citi Financial, however, I was not able to speak with an actual person. 
The phone number on the letter head is : XXXX. The number I was called from this morning was : XXXX. 
However, when I would receive a phone call from XXXX XXXX XXXX XXXX XXXX the numbers would vary and were other non toll free numbers. 
Literally, just a few moments ago I received a silent phone call from the company stating they were sending someone to my property today to serve me and bring the human resource manager. That number was from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MO

Complaint narrative:
I have not authorized these inquiries and am convinced they are deceptive. I urge you to conduct a thorough probe and swiftly eliminate them from my credit file.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Some of the selections I made doesnt describe my issue with Navy Federal Credit Union XXXX I disputed charges with my bank against XXXX XXXX XXXX on XX/XX/XXXX. I was scammed out of funds from this business. I sent all the evidence about their scam and how they were shut down, assets frozen and are in litigation with the XXXX. Navy Federal told me that this could take up to XXXX business days. It got passed that so I checked on my claims they then started to give me the run around and said it still being investigated it could take longer and the evidence I sent in was good. I called XX/XX/XXXX to get an answer, only to be told that the back office was still investigating the case. I asked did they need more evidence and was told the evidence does not matter. They put me on the phone with a supervisor who said she could message that department but they would not speak with me. She sent a message, I do not know what it said and the back office sent her a message back stating they are going to deny my claim because it is outside the allotted timeframe for disputes against scams. I have never in my life heard such nonsense with any bank that I have banked with. They are basically telling me the scammers can get away with it as long as it falls outside their timeframe. I am infuriated because they knew when I filed if it fell outside the timeframe allowed and secondly that this investigation against XXXX XXXX XXXX was recent. The XXXX are the ones that told people to try and go through our banks to recover our funds back. This is the evidence I sent https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, XXXX, and Transunion assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. 


They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, Equifax, and XXXX assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial.

They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2024 I transferred cryptocurrency from a third party wallet ( XXXX ) to my account on Coinbase. Specifically, I transferred XXXX of XXXX XXXX tokens, valued at approximately {$2800.00} today. I transferred these funds to a new type of wallet on Coinbase called a XXXX Wallet. the transaction was listed as a success on the blockchain, however the funds did not show up in my Coinbase wallet. After 24 hours I contacted Coinbase support. Coinbase confirmed that the transaction had been successful, however after over a week of communications have told me that they are unable to make my funds available as they were transferred to a non-supported network. How is it possible that they have successfully received the tokens, yet can not make them available to their rightful owner? In essence, Coinbase has taken custody of my tokens but is unwilling or unable ( or both ) to make them available to me. This amounts to a failure of their fiduciary responsibility as a custodian ( at best ) and outright theft at worst. 

For reference, one of the customer support case numbers from my interaction with Coinbase is # XXXX. They bounced me around to many customer support agents and I had to restart my concern at least 6 times, which is another frustrating point but not the main issue. Their customer service team is incapable of deviating from their script, its as if you are talking to a robot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the discrepancy between the promotional terms advertised on the Capital One website and the terms I was provided with after applying for the Capital One SavorOne Rewards credit card. 

Three months ago, I applied for the Capital One SavorOne Rewards credit card during a promotional offer wherein the cardholder would receive a {$200.00} sign-up bonus upon spending {$500.00} within three months. According to the terms listed on the Capital One website ( see screenshot attached ) : " This one-time bonus is available by clicking the 'Apply Now ' button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. '' Despite meeting all the requirements above, the sign-up bonus has not been posted to my account as of today, XX/XX/XXXX. In light of this, I contacted Capital One 's customer service, and the representative I spoke to, XXXX, informed me that my credit card offer had different terms compared to those displayed on the website. She asserted that I had not applied for the correct credit card, despite my clear understanding that I did. 

XXXX proceeded to share the credit card terms with me through the Capital One portal site ( please see attached ). However, it is my understanding that credit card terms and disclosures should not include sign-up bonus details within the document. This discrepancy between the advertised terms and the terms provided to me post-application constitutes misleading marketing practices, as it led me to sign up for the credit card with specific expectations based on the language written on the website. 

Given these circumstances, I am submitting a formal complaint to the Consumer Financial Protection Bureau regarding this issue. I believe that Capital One 's failure to honor the advertised terms constitutes a breach of trust and fairness towards its customers. 

I respectfully request a thorough investigation into this matter and a resolution that aligns with the original terms advertised. Additionally, I expect transparency and accountability from Capital One in addressing this issue promptly. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I have been receiving calls and emails from COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I spoke to a representative who told me that I had a move out fee from an apartment complex called, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ). I assured them that I never lived at XXXXXXXX XXXX XXXXXXXX XXXX, I lived at XXXX XXXX XXXX. While they had the same address this is not who I rented from. They stated that XXXX ( current company ) is a sister company of XXXX XXXX. XXXX XXXX purchased XXXX XXXX and they are not affiliated. I also shared that I met the obligations of my lease. They told me that I was to give a 60 day notice of move out and I didn't so they charged me 2 months rent which was what was being collected. I asked for a copy of the lease, they didn't send it instead they sent a receipt with XXXX that had the same information they provided in their correspondence. I asked multiple times where they got their information from and they yelled they worked for XXXX XXXX and I owe them and hung up. This is my credit that is reporting this debt. It is invalid and WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MO

Complaint narrative:
I did not grant permission for these investigations and firmly suspect they are deceitful. I implore you to conduct a comprehensive examination and promptly expunge them from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Collections have already been closed but are still on my credit

Company response to consumer: Closed with explanation