vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} XXXX THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I have a debt that showed on my XXXX report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX I deposited XXXX into Ally Bank Savings account On XX/XX/XXXX I deposited XXXX into All bank Savings account A total of XXXX On XX/XX/XXXX Ally froze my account when I tried to retrieve my money. 
It has been XXXX months with NO prevail. I have called dozens of times to get my XXXX back. On XX/XX/XXXX Ally closed my account and has since not made my money available. 
I was told by Ally Bank to have the original bank from where the funds came to reverse the transaction to get the money back. 
The ACH from the original bank said it was far too removed from a normal time to do a reversal of transactions. 
I told Ally the original Bank will not reverse and I still have had XXXX replies from Ally Bank to fix the issue. 
I need Ally Bank to give me my money back>>>> I do not know how to get them to reply. 
Every time I call the fraud department I am told a different story about where my funds are and how to get them back. 
The original bank from where I transferred the money said they have no legal matter to do anything. 
Ally Bank knowing this still has not responded and there is no end to this in sight. 
I have had to contact endless financial reserve companies to place formal complaints. 
I just need my money returned to me 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Hyundai has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
Hyundai is a XXXX company, For XXXX XXXX years, I was with them, the Hyundai finance XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because Hyundai finance XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX Hyundai Finance Company has been to many of us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I have tried to contact the collector over the last several days to have items removed from my report that are not mine. The company is not licensed in the state of florida and will not remove items that are not mine, I was told they bought out a company and obtained the debt from them even though those debts were removed by the old company from my report. 

this is the email is ent this morninhg they refused to send me there lincese and legal department names ... ..... 

Please be advised that the following debts do not belong to XXXX XXXX. See attached Documents. We have several times called emailed and mailed over the last few weeks with no response by anyone to resolve. 

Today we copy the CFPB, FTC and our lawyers to come after you for {$1000.00} per debt that you wrongful and illegally placed on our credit reports. 

They are to be removed at once, Attached is the licensing agreements with the XXXX  which you are not licensed to collect debts in the sate of Florida, If this is a valid debt the following must be provided 1.the original WET signature on any contract 2.The original Creditor information 3.Payment and billing history 4.Proof of ownership and authorizing for the debt These are not my debts attached i never seen these people they must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX This incident has been ongoing since at least XXXX. 
Previously, I had an oxygen concentrator, which was returned to XXXX at XXXX on XXXX, because my doctor tested my overnight oxygen levels and found that I no longer needed the supplemental oxygen. 
On XXXX, I received a statement from XXXX at XXXX for charges for the oxygen concentrator for the months of XXXX, XXXX, and XX/XX/2022. At that time, I spoke with XXXX from XXXX at XXXX, who indicated that an annual approval from my insurance company, XXXX, was required for use of the oxygen concentrator. She stated that she would check with XXXX to obtain the necessary approval. She also stated that, if the authorization was not received, these charges would be written off. 
My next statement, dated XXXX, indicated that these charges were still outstanding. In addition, there was a charge for {$60.00} for new XXXX supplies. I paid the {$60.00} online on XXXX and received a receipt via email. 
I received my next statement, dated XXXX, which indicated that nothing had been paid as of this date. I spoke with XXXX from XXXX at XXXX ( XXXX ), who said that I should ignore this statement, because the pre-authorization had gone through. 
My next 2 statements still indicated no payment had been made. I called XXXX again, and again, she said to ignore the statement charges. She said she was going to contact customer service and that this bill was supposed to have been escalated for payment on XXXX but, instead, it was sent to collections. 
I spoke with XXXX again on XXXX, because my XXXX statement still indicated no payment AND I received notification from XXXX XXXX XXXX XXXX XXXX that {$60.00} had been sent through to collections. She stated that the {$60.00} was applied incorrectly to the XXXX oxygen concentrator charge and that it was re-applied correctly in XXXX. She further stated that she would check with XXXX re : payment. 
I have now received a new statement dated XXXX, and the charges for the oxygen concentrator for XXXX, XXXX, and XX/XX/2022 are still showing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ 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 2023-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I completed my PSLF form via Studentaid.gov. I selected my employers using the EIN number. One of which is a DC Government agency!! Mohela is questioning the employer even though the form was submitted and is in the federal database. 

Should they be doing that? It makes sense to question employers that are not listed in the database ( e.g. small non-profits, etc. ) but for government agencies ( especially in DC ), seems really crazy. 

It seems that they may be complicating the process further which is unnecessary, especially when the process is already complicated.

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 2023-02-07 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: CT

Complaint narrative:
My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from Equifax, XXXX, XXXX XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - Reporting on XXXX XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) Equifax : XXXX ( Received XX/XX/2023, XXXX XXXX XXXX I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America called me and told me I was behind on a credit card that I have never applied for. ( {$7500.00} ). Someone in XXXX got my information and got a credit card. XXXX from BOA informed me of that. They told me I had to pay the over due payment. I told them I will not because I live in XXXX XXXX. I will not pay for something I havent got. I did call the police here in XXXX and filed a report. They said they would send me information but Im assuming they sent it to XXXX, because I havent received anything as of yet. This started on XX/XX/XXXX and nothing has been resolved

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An attempt to open an account with XXXX on XX/XX/23 and an attempt to open a XXXX XXXX Account on XX/XX/23. Neither of these attempts were done by me. They have shown up on my credit inquiries. I was contacted by both banks and I reported them as fraudulent and that they were not me. 

Both institutions stated they were not opening the accounts, however I have not been able to confirm this. 

I have called XXXX and XXXX. Calling XXXX next. XXXX requires a letter from the FTC that I reported this before they will remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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 reports from TransUnion and XXXX both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX  is not reporting it. I have contacted TransUnion, XXXX and XXXXXXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.

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 2023-02-07 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
My reports from XXXX and XXXX both show an account, COMMUNITY LOAN SERVICING, showing negative payments for a time period that they did not own, nor service the debt. COMMUNITY LOAN SERVICING, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from COMMUNITY LOAN SERVICING, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet COMMUNITY LOAN SERVICING is not reporting it. I have contacted XXXX, XXXX and COMMUNITY LOAN SERVICING each several times to resolve this. XXXX, however, removed the COMMUNITY LOAN SERVICING from my credit report after their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Coinbase Account. Case number XXXX ; Case number XXXX. 
Unable to log into my Coin base account. Need tax statement for filing. 
I have been locked out of my account since late XX/XX/XXXX. I have repeatedly contacted Coinbase CSR and emailed ( help @ coinbase.com ) on my accounts status. To date, the account is locked. 
Time-line. 
Date Response XX/XX/XXXX Called CSR, was told to email my request. 
XX/XX/XXXX Emailed, received back a Case number XXXX. I would receive a response back with 15 days. 
XX/XX/XXXX Called CSR ; XXXX looking into my request ; no time line. Gave me the Case number XXXX XX/XX/XXXX Called CSR in process ; will send an email. 
XX/XX/XXXX Called CSR in process ; will email XX/XX/XXXX Email Coinbase looking into my case XX/XX/XXXX Emailed Coinbase email address in no longer enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX of the year XXXX This account is fraudulent I did not open it, it went into collections to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I have been getting calls multiple times a week about collecting a debt owed to an old apartment complex ( that is an off-lease out-of-the-blue charge ) and they have also contacted my parents who have nothing do do with this. I also have an old roommate who has been being harassed about the same exact amount owed to the apartment complex but neither of us have received communication about how to split our payments. There is no way we will both be paying the full amount separately when it is one bill. When I called and asked about a payment plan or any help I could receive as I do not have the means to currently pay this, the collector repeated the same phrase You need to find this money in full and would not say anything to me/ offer me any assistance. Refused to discuss anything with me and repeated one sentence to me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a letter from Barclays Bank stating they needed more information for a Master Credit card that I did not request and was a fraudulent ID theft using my personal information. I called a number of times in order to confirm by letter that the fraudulent account was not mine and that I would not be liable for the account and that it should be removed from my credit report. I have called countless times and wrote two letters to resolve this issue and I am still waiting for their response to this issue from XXXX XXXX, 2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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