vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I had almost XXXX BTC ( XXXX ) in my Coinbase Pro account which was stolen XX/XX/2023. Ever since the migration from Coinbase Pro to Coinbase, I started having issues to sign in to my account through the app. Coinbase said I had to login through the browser which I did after a few attempts, resetting my password, sending a live selfie to authenticate my identity and waiting 24 hours to log back in, only to find out that my account had been left with only {$0.00}. I do not understand how it was so difficult for me to log into my own account and so easy for whoever stole my hard earned money and savings of many years. When I contacted Coinbase, I was never able to talk to anybody in the Support Team where they escalated the issue to. Something so serious and important as this, had to be handled through email only. There was never a supervisor or manager on site that they could transfer me to. One of the representatives I talked to in customer service even found it funny that I was so upset about what happened that started giggling while I talked to her. I thought since Coinbase is publicly traded in the US, it was a reputable company and that my money was safe with them. How is it possible that they are allowed to make money with our investments and they don't seem to be responsible for protecting our funds? Aren't they supposed to have some kind of insurance? After what happened, I heard that dormant accounts can be targeted and I was one that would not login everyday. I look at it as a long term investment so I would sign in once or twice a month, sometimes longer. It still bothers me that even credit cards take more security measures through text messages and calls to avoid scams than Coinbase who is supposed to be responsible for our investments. Why did they block the account once the money was stolen instead of blocking it when they saw all the money was being transferred until they verified that it was actually me sending the payment? I went to different police stations to file a report. One of the officers seemed mad that I was wasting their time and said they had nothing to do with this and that it was my responsibility as it was a high risk investment and Coinbase not a physical bank. It was as if she was glad I'd lost my money. I am very disappointed at how Coinbase has handled this as they don't want to take responsibility that my money disappeared from the account I had with them. I feel discouraged and I am taking a leap of faith in filing a complaint with this institution as one of my last recourses to recover my investment. Your attention and help with this matter will be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL 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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loan was discharged from the XXXX XXXX XXXX. Shortly after that this company called Nelnet starts to send me letters that I have to start making payments to them. My student loan debt has already been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In XX/XX/2023 I contacted Barclays AAdvantage card requesting a cancellation of the card if it was going to be carrying a membership fee when it renews after the first year. 
The request was not heeded and the bank took out the {$95.00} out of the positive balance I have had with them and then refunded the remainder. 
I inquired about this on XXXX when I got back into the country I was told that the bank would not have promised me to cancel the card if it was to charge the fee again. 
It then canceled the card upon my request ( again ) but refused to refund the annual fee already paid. 
I think this way of doing business is atrocious and extremely unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX XX/XX/XXXXXXXX Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX To whom it may concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged allegations are not only being listed as OPEN but also having past due amounts of {$240.00}. This is a violation of the FCRA and is in violation of requisite XXXX complaint reporting standards. 

According to the fair credit reporting Act I have the right to a completely accurate credit report, and you are required to remove any information this is not true. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliances with all XXXX reporting standards and this account removed upon completion. 

Sincerely, 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Hunter Warfield. I XXXX of 2023, I became aware that Hunter Warfield was reporting a collection account related to an apartment lease. The original balance of this account was listed at {$1700.00} and {$1700.00} ( The amount is inaccurately reported between the three bureaus ) but has ballooned to {$1800.00} and is still rising. This is because I found out that a 4.75 % interest rate has been put on this debt, even though there is no interest rate related to the original account. This is a violation of the FDCPA. I sent a dispute letter to this collection agency to inform them of this violation, as well as to validate the debt itself. In their response, I discovered, through basic addition, that the amount that they claimed that I owe is completely incorrect based on their own records and that they have been inaccurately reporting this debt for over a year now. I demand that this debt be removed from my credit report because the collector doesnt even know how to do basic arithmetic when calculating the amount that they claim that I owe. They have also been violating the law by including this interest rate on the account that is not in any contractual agreement. The debt being listed on my credit reports is completely erroneous and fraudulent and is defamatory to my character. Since Hunter Warfield has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to correct this inaccurate reporting. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was recently offered a work from home position XXXX XXXX XXXX  I was forced to deposit checks into my bank account and transfer them via XXXX XXXX to obtain my home work equipment. This total transaction was {$13000.00}. I am now responsible for the fake money that went through my account by the scammer by the name of XXXX XXXX. I need help to get my funds back as this has taken everything from my family and we are now unable to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have reached out to XXXX in the compliance department on several occasions, left multiple voicemails with no returned calls. I have reached out to XXXX since around XX/XX/XXXX. XXXX XXXX I reach out to check on the status of the settlement of the debt and I was told that the vehicle has been sold. The vehicle was repossesed on XX/XX/XXXX and Bridgecrest sent a letter to me well after XXXX business days informing me that the vehicle has been repossessed. Bridgecrest is aware of how the debt is being settled and have yet to reach out to me. I also discovered that Bridgecrest received a GA title on XX/XX/XXXX from the Georgia XXXX and transferred the title to Arizona on XX/XX/XXXX. Bridgecrest did not allow me a full 30 days to settle the debt which are the terms outlined in the letter from Bridgecrest dated XX/XX/XXXX. There was only a lien on the vehicle for 21 days and they never had a title in the state of Georgia until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
From XXXX - XXXX, XXXX, I was living at a temporary address while my house was being built. I have always used my XXXX XXXX XXXX for all cards, bills, utilities, etc. I would never use the temp address. Having said that, I never checked the mail. When I moved out, the landlord handed me some mail with a debt to XXXX XXXX XXXX for {$1500.00}, at XXXX XXXX XXXX XXXX XXXX. I had no idea what this was about and ignored it. I've never opened an account with XXXX XXXX XXXX. I've never purchased products in their store ; I've never used their TV or internet service and they've never been my carrier, except when I worked for XXXX. But that was paid for and all my phones were provided by the company as a perk/benefit. 

What's troubling is that I worked for XXXX XXXX XXXX and left there in XX/XX/XXXX. I still receive retirement info from XXXX XXXX XXXX. 

Credence Resource Management started hounded me to collect the debt. For the last year, I've just been avoiding them because it's a scam. They call me every month, several times. They never leave a message. They do not have my XXXX XXXX XXXX nor do they have my current address. 

XXXX was opened in XXXX of XXXX, which is odd, because I've been living at my current address since XXXX. My carrier is XXXX. My TV/Internet is XXXX or XXXX XXXX. I do not buy XXXX XXXX XXXX  products. They've never been my carrier, since I left the company. 

At one time, I received a letter while working at XXXX XXXX XXXX that our SSNo.s were hacked by an HR employee who lost their XXXX, They sent us the free credit tacking, etc., which I never took advantage of and that was so long ago. Could they have sold the info later? 

Also, I used a home network at the XXXXXXXX XXXX. I wonder how secure it was... 

Credence says my account no. was XXXX. Opened XX/XX/XXXX, for {$1500.00}. I have no idea was this is about. It must be identity theft. I have no other explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I renewed my CD over the phone with Bank of America. 

They said I would get a CD receipt in the mail. 

None came. I went through several people - but never got the CD. 

Apparently the button on the computer they pressed no longer works and all said they could not print it themselves. 
I filed a complaint XXXX with you. 

XXXX XXXX called and said she could see the CD on her computer screen. She said she would print it and send it to me. 

But almost 2 weeks later I got nothing. I assumed she was going to print her screen and have it mailed to me. But now I think she used the same button that all the others used - resulting in nothing. 

Then I was surprised to see her response to you that she sent it and closed the complaint. 

I feel this complaint should remain open until I actually receive the CD. 

Something is wrong with the button they are pressing- it should be simple for whomever sees it on their screen to print the screen and place it in an envelope - should not take 2 weeks.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Have a Fruad account appearing on my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: 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: CA

Complaint narrative:
I have documentation to prove that XXXX, fro. XX/XX/XXXX till XX/XX/XXXX edd benefits program online/edd et, al., and bank of america , XXXX XXXX XXXX  1. Hyjacked my idenity, maliciously stolen my idenity Have used XXXX of my personal gmails and my XXXX XXXX edd benefits program ( myedd ) accounts to chage my passwords usernames, from XXXX XXXX XXXX until current hyjacked chrome passwordsand user content. Kept ope accounts they have repeTedly change my uionline preferences, recieve notifacations. I have evidence proving that my claim history, payment activity, transaction details from XX/XX/XXXX til XX/XX/XXXX doctored and forged, and maliciously put in place to barr me, using my ppi illegally obtained through XXXX XXXX  user content, from XX/XX/XXXX until XX/XX/XXXX edd and b of a a.n. have been monitoring and using my gmails to communicate with eachother and continually collect unemployment pua disater funds and did not change thw transaction amounts back to cover their tracks. I found out yesterday that alot od ths messages in my ui o line inbpx were sabotaged so information that would have help me they helpwd themselvea i ztarted to investigate and noticed chages to amounts then got disconnected fron b of a online acess aswell as edd online acess, once i found the system the method in which there hidding and moving to transcibibg and XXXX XXXX XXXXXXXX  there using to conceal over 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit system is the debt collector over the account and has been contacted twice about the matter and failed to remove the item even though it showed in the rental application that rep XXXX looked at that it is in fact another social used on the application. There was also another collection for the same ssn XXXX in there for another apartment that was applied for.

Company response to consumer: Closed with explanation