vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a victim of identity theft and a fraudulent credit card was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and synchrony system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
today XX/XX/21. I sent XXXX XXXX  ( stellar ) coins from my Coinbase pro account, worth over XXXX dollars at the time of incident, to my regular Coinbase account. The accounts are linked and I send coins/money back and forth all the time and never had an issue. When I sent them today, I did not get a transfer history, confirmation email, zero notification that the coins were sent from one Coinbase account to the other. The coins are gone in both accounts. XXXX  is supposed to be very secure. But this happened in house. Was not trying to send coins off Coinbase. Contacted Coinbase 3 times today via email and theres no live person to answer the phone. I was also locked out of my Coinbase pro account all day.this happens at XXXX XXXX. I finally got back in at XXXX. When I got back in the XXXX coins still appear to be in my XXXX wallet, but my account balance is at XXXX, and the amount the coins are worth are posted on orders. The only way they price of the coins should be posted on orders is if I set up a limit order to sell all XXXX on to the open market. I did not do that. I just was trying to transfer them into my regular Coinbase account.I never had a problem like this and I referred friends and family to Coinbase. I understand Im not the only one who had money disappear from their account today. And def did not lose as much as others. But its principal. I was relying on that money today. And this situation left me with my heart in my mouth. Im really hope Coinbase will help me after reading this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: KS

Complaint narrative:
On XX/XX/2020 I sent letters to XXXX XXXX and Transunion regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of XXXX and Transunion did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses 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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2020 I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of Equifax and XXXX did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had an account with Nordstrom/TD Bank that was opened in/around XXXX of XXXX. The account was placed in charge-off collection status in XXXX of XXXX. This is ONE account. Yet it is now -- and has for some time -- been inaccurately showing up on my account as having 37 ( THIRTY-SEVEN ) different charge-offs. I don't even know what collection agency has the account at this time, but I do know that ONE account should not be showing as 37 separate charge-offs. This is unquestionably bringing my credit score down, and unnecessarily at that. There is a SINGLE amount owed. I opened ONE account with Nordstrom, NOT 37, regardless of how many different collection agencies this account has fallen into the hands of. This information needs to be updated to ONE ( 1 ) charge-off or removed from my credit report altogether. Because the reflection that I have 37 various charge-offs with Nordstrom is fallacious.

As a resident of VA, I am protected by the federal Fair Debt Collection Practices Act ( FDCPA ), and Nordstrom is engaging in an abusive collection practice by leading me and would-be/future creditors to believe that I have 37 actual charge-offs with them, when in fact, it's ONLY ONE. This is working to prohibit me from being permitted to open future accounts with other creditors and limiting my financial growth This information needs to be updated to only ONE ( 1 ) charge off as opposed to 37, or this account needs to be omitted altogether. I have attempted to reach out to the parties who might be responsible for this, but have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
For months or it could be years my credit report has not changed and I have been doing what I need to do to fix my credit. Things that Ive paid off is still on my account and my credit builder debit card with XXXX has started with {$0.00} balance some way some how your company had added {$900.00} on my account and I called the card company and they said they have no idea where it came from. My score has not changed because nothing has not changed on youll part. So I want to know how will this be fixed because soon Im trying to make some amazing moves and this situation is holding me up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
XXXX XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with XXXX  and they removed it from my Experian credit report after receiving my identity theft affidavit but then they added back to my Experian credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my Experian as 90 days late. This is not account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I checked my EDD Bank of America account on XX/XX/2020 and saw a pending transaction of {$38.00} for XXXX XXXX that I immediately recognized as fraudulent since I had never used the card anywhere, let alone in XXXX XXXX, where I do not live. I called the hotline to dispute the transaction but they told me I had to wait for the charge to clear before disputing. I then waited a few days, and the charge cleared, along with 2 other charges, all three for XXXX XXXX in XXXX XXXX. The other two cleared on XX/XX/2020 and were for {$300.00} and {$120.00}. I instantly cancelled my card. I tried calling the hotline several more times throughout the following weeks, but sat on hold for 2 or more hours each time before I finally hung up since I had to go to class. Finally, I got through to speak with a person in late XXXX and filed a claim and was given a temporary credit of {$460.00}. I was told it may take up to 90 days to review the claim. I also told the lady that I had never given anyone my card number or any information from the card and always kept it in my wallet. I hadn't used the actual card once, I usually just transfer the money over to my main bank account. Just a week later, I received a letter in the mail saying that they had determined that no error was made and they took back the {$460.00} credit from my account. There is no evidence to suggest I was trying to file a false fraudulent claim or that this spending was actually done by me, and I believe it is unfair to me that they basically accused me of doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Around XX/XX/2020, after doing my annual credit report pull. I noticed fraudulent accounts were reporting on my credit reports. One was with WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I have attempted to contact all parties. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX XXXX  XXXX  XXXX  have removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. WAKEFIELD & ASSOCIATES LLC continues to make fraudulent reports on XXXX, XXXX, & XXXX. WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  has been contacted multiple times by me to request information for these fraudulent accounts. I have filled out the required information that accounts for all three credit bureaus, as accurate and refuses to give me information proofing this fact. Now they have stopped responding to my emails even after speaking with 3 of their supervisors. I've filled out identity theft and CFPD reports. Which they ignored that along with multiple FCRA laws and are not limited to section 609 allowing consumers to request copies of my credit reports and the associated information that appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid off my balance of the last billing cycle. I have been carrying balance previously and wasn't able to pay off my debt. Last month I have extra money so I decided to pay off one of the credit cards with Capitalone. I haven't used my card since I finish paying it off last month and to my surprise, I saw an interest charge of 38.23 on the card. I called them and their explanation is that the last balance bill doesn't include the interest rate charges on the month. I have always under the impression is that last balance is what I owe the CC. Sounds like they are trying to squeeze one last interest payment before I'm out of the debt. Please help me resolve this predatory lending that's hitting us especially during this difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX agreed to remove the late payment marker for XX/XX/2019 from my credit report from all credit bureaus. Unfortunately Equifax is reporting this negative data incorrectly. I've tried disputing it and still no resolution. I called XXXX XXXX last year regarding this matter and I was promised this was going to be resolved. This error has impacted my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX. To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The collection agency is trying to collect on a frivolous debt that isnt owed to them. I have never done business with this company and never received any merchandise from them. There is no contract that is binding me to this company. They have refused to provide proof that debt is mine. They once deleted the debt and added it once more one my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank/XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with Comenity and they removed it from my XXXX credit report after receiving my identity theft affidavit but then they added back to my XXXX  credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my XXXX as 90 days late. This is not account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
Ive filed a dispute in regards of the incorrect information on my credit report. It has well been over 30 days and yet havant received any status of investigation or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems has reported a collection account to my consumer credit file in the amount of {$550.00}. I do not owe this alleged debt. If Transworld Systems has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld is attempting to collect. Transworld has no legal right to attempt to collect a debt. Transworld has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
My bill of {$330.00} from XXXX XXXX XXXX XXXX UTILITIES was paid in full after being notified of the balance due. This payment took place prior to shutting my services as I was moving to a new home. I am now being charged by PENN CREDIT CORP for a balance that has already been paid. I was never notified by XXXX XXXX XXXX XXXX UTILITIES that this balance was being sent to collections. Because of this, I now can not get approved for an apartment because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: FL

Complaint narrative:
I spoke to both companies about this error. Both companies is pointing the finger at the other. At this point I don't care who's not doing their job, I just need my credit file with Equifax to be update correctly to report that I have a mortgage with XXXX XXXX XXXX XXXX. 

Furthermore ; as a result of the missing information from my credit report, my credit score has been impacted negatively and I have been denied for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America without any notice, closed my credit card account, in the case of I don't have any credit irregularities, my three-year-old credit card account was forced to close by bank of America, and predation of all my points on credit card account, when I call customer service bank of america 's representative attitude is very bad, this card does not have any irregular transactions, no late pay, I don't have any bad credit history and i didn't get any answer from bank of america. I probably have 28500 points, I request bank of America to return all my points by check.

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