vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
HEY XXXX XXXX ; JEFFERSON CAPITAL SYSTEM ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: NV

Complaint narrative:
Received an email notification on XX/XX/22 that my SoFi Money ( Checking ) account has been restricted. I have called 39 times and left voicemails on their designated fraud security hotline as well as email ALL departments and tag in social media to get attention. No one from SoFi has returned my call or provided any explanation why my account is restricted and not currently under review. My directed deposit from my employer was rejected and returned causing delays as well as attempts to withdrawal the remaining available balance to make a payment to my SoFi loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Block and remove the following accounts on the FTC report I attached to this complaint.

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
My complaint is against Rent Recovery Solutions ( file # XXXX. We lived at The XXXX XXXX in XXXX, TX. We moved out of the apartment in XX/XX/XXXX. Our last bill/rent for the apartment was paid on XX/XX/XXXX in the amount of {$310.00}, which was paid directly to the apartment complex, and it was cashed XX/XX/XXXX. In XXXX in XXXX, we started receiving phone calls from Rent Recovery Solutions stating that we owed a balance {$930.00} from the XXXX. We communicated multiple times to get this matter resolved. We submitted proof of the last payment made via check and chased to the apartment complex, letter of satisfaction from the apartments on company letter head and a billing statement showing a XXXX balance. All this information was sent to Rent Recovery Solutions via XXXX ( Tracking XXXX ), it was delivered and signed by XXXX XXXX. After all this, it was considered satisfied. 
XX/XX/XXXX, we started getting more phone calls from Rent Recovery Solutions that we still owed them {$930.00}. We have spoken with The XXXX office managerXXXX XXXX XXXX who had confirmed that the debt was satisfied and has sent communication to Rent Recovery Solution to close the account. Rent Recovery Solutions has been giving us the run around and blaming the apartment complex for not cooperating. They have confirmed that they received our correspondence from XXXX but is not sufficient. 
I want this matter resolved via written form and I am seeking {$1000.00} in compensation for time loss and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Yes : I will call Navient again, but right now Federal Student Loans are on a pause. I began the process of beginning repayment since they were to have begun again at XXXX 's end and I'm being told that I'd have to specifically request forebearance and it would need be approved, which seems unfair ; I have another servicer who automatically implemented the executive order, but Navient has been really aggressive. I'm sure I'm not the only debtor experiencing this and have contacted my representative. I'm happy to provide more details, but thus seems really unfair under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my Coinbase and Coinbase PRO accounts were accessed without my approval and apparently without 2 factor authorization. Unauthorized and fraudulent transactions were made in both Coinbase and Coinbase PRO accounts resulting in {$200000.00} worth of crypto currency being siphoned and stolen from my accounts. I immediately contacted Coinbase on XX/XX/2022 to notify them of this activity and the multiple unauthorized transactions of under {$10000.00} each. I was just assigned a Case Number that Coinbase states that they will reference while taking 30-45 days to investigate my case. That number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: PA

Complaint narrative:
Six months ago, AR Resources posted a negative mark on my credit report due to a debt owed to XXXX University. According to my credit reports, the outstanding debt is for {$2500.00}, however, my outstanding debt was {$1900.00} which I have paidon XX/XX/2022. I have attached a copy of my financial statement which includes the debt owed and the payment posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I had a checking account with M & T bank where I kept a small balance. The account was set up to decline purchases that exceeded the account balance. 

The debit card for this account was linked to two companies that auto-shipped product : XXXX and XXXX XXXX. The card that was linked to these two accounts had an expiration date of XX/XX/2019. 

On XX/XX/2019, these two companies shipped product that exceeded my account balance. The bank authorized the charges which put my account in the negative. The bank then charged me two overdraft fees of {$38.00} each. 

I called the bank and argued that the shipments should have been declined because 1 ) they were charged to a card that was expired and 2 ) the account was set up to decline purchases that exceeded the account balance. 

I explained to the banks customer service agent that I had received the product and would pay for it but was not willing to pay the overdraft fees. The agent told me my only course of action was to file a dispute which I did. 

When I filed the dispute, the bank reversed payment to XXXX, but not to XXXX XXXX, while they investigated the dispute. 

XXXX showed proof of delivery, so the bank declined my dispute ; however, my dispute was not about product delivery, it was about overdraft fees. 

When I tried to place another order with XXXX, I discovered I was a delinquent status with them because they had not received payment for the product shipped in XX/XX/2019 ( amount {$180.00} ). I then paid XXXX this amount plus a {$25.00} XXXXhargeback fee. 

In the meantime, M & T charged off the negative account balance in the amount of {$350.00} and sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I explained the situation to the collection agency and told them I would pay for the {$99.00} XXXX XXXX charge, but not for the XXXX charge because I had already paid XXXX and not for the overdraft fees. They would not accept that and advised my only course of action was to file a dispute with M & T which I did. 

M & T came back with the same response : that I was liable for the entire amount. 

I have been in this loop since XX/XX/2019 without resolution. M & T is not conducting proper research before responding and the collection agency isnt in the position to act in my interest. 

This charge off affects my credit and I am now on a blacklist with XXXX which affects my ability to open a checking account at a new bank. 

I am willing to pay the {$99.00} for the XXXX XXXX services I received if M & T will acknowledge this as full payment and remove any negative reporting to credit bureaus and 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 2022-01-18 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:
XX/XX/XXXX Over the last several years, Experian, XXXX, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX  XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX Banks Inquiry for Individual XXXX XXXX, XXXX No Action.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/21 my wife 's debit card associated with our joint checking account at Wells Fargo was physically stolen and used to make four fraudulent purchases at XXXX XXXX - 3 for {$280.00} and one for {$250.00}, totaling {$1100.00}. We alerted Wells Fargo to the fraud on XX/XX/21 as soon as we became aware of it. Wells Fargo initially reviewed the transactions and agreed that it was fraud and credited our account back under their Zero Liability fraud policy. In a letter dated XX/XX/21 they then informed us that they were clawing the stolen funds back as they had determined it wasn't fraud even though their own anti-fraud system activated and declined two additional attempted fraudulent transactions at XXXX on XX/XX/21 in the amounts of {$410.00} and {$290.00}. Worth mentioning that my wife 's PIN was not entered on any of the above transactions. Wells Fargo has given multiple illogical reasons for denying the claim and they are in order as follows : 1 ) Their rep incorrectly identified our last valid transaction ( in which she used her PIN ) as a XXXX transaction for {$60.00} earlier in the day, when the last valid transaction was one shortly after it for {$210.00} ( also using her PIN ). Neither of these amounts were included in the fraud claim.

2 ) The chip security chip was used during the transactions < -- yes, because her card was physically stolen and used at a nearby location as indicated from the very beginning 3 ) The transactions were in our geographic area < -- see number 2 4 ) No additional fraud attempts were made after we alerted Wells Fargo to the fraud and they cancelled the card. < -- Wells Fargo 's own internal transaction report that we requested ( attached ) disputes this as it shows an attempted fraudulent charge on XX/XX/21 for {$570.00} after the card had been deactivated.

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 2022-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have been contacting Ally about having issues making my payment as I have been impacted by Covid. They have offered absolutely no assistance. I informed them that I lost both parents in the span of XXXX and XXXX of 2021 which created a financial hardship for me. They refused to help. Then to make matters worse, my entire household is battling Covid as we speak. And Ally has absolutely no assistance in place to assist their leaseholders. I have not even had late payment until recently.

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PRESTIGE FINANCIAL SERVICES INC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I XXXX XXXX, recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. 

I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. 
Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I XXXX XXXX, recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. 

I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. 
Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I received a phone call from National Credit Systems , Inc. on XX/XX/2022. However, when I asked for the representative to verify the debt, they had hung up on me. The phone call lasted for 1-minute. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bought multiple prepaid credit card for the XXXX gift last year. 
Employess came back with the reponds of " no balance is loaded on the credit card '' Logged to check and found out there were multiple unauthorized chagres on few cards we bought. Reached out to the fraud department and can't get hold of anyone.

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 2022-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have some fraudulent accounts on my credit report. Please see attachment

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 2022-01-18 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: MD

Complaint narrative:
Experian continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their 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