vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX i purchased XXXX gyen on XX/XX/XXXX I purchased XXXX XXXX gyen from the exchange coinbase. After i putchesed i tried to remove XXXX XXXX transaction then XXXX canceled after it went through by coinbase because they had an issue with there system then they locked my account for more then 2 weeks and i lost 75 % of my investment intial investment because of there negligence and then they changed my transaction from XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX XXXX They stolen millions from us i part of a group 2000+ people they did this to also i have all proof prooving

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: VA

Complaint narrative:
I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " XXXX  '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with XXXX  COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/21 XXXX i was charged with purchases I never made. My card was stolen and I informed Bank of America. I realized that since a lot of people were working remotely that individuals were at home taking personal information down I had one rep ask me for my cross street and sliding someone changed my security question I have informed them of a emerger situation they ended up shutting off my card and Im going to be without electricity. And I need my funds so me and my child dont sit in the dark

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Good Afternoon. My name is XXXX XXXX XXXX. I currently have a investment account open with Coinbase Pro to purchase crypto currency. On XX/XX/2021, Coinbase Pro listed a new crypto currency on their platform called XXXX XXXX in which purchased XXXX valued at {$3200.00}. Due to an internal error by Coinbase, XXXX XXXX was listed at the incorrect price. Please be advised that price was inflated accidently by ten times the correct price. Many investors including myself bought the XXXX XXXX on XX/XX/XXXX via Coinbase Pro not knowing that the price was incorrect and highly inflated. Coinbase Pro refuses to acknowledge and rectify an internal error that caused many investors to lose XXXX percent of their investment. Please note that incorrect listing of XXXX XXXX limited the amount XXXX I could purchase and negated the profit that I would have made. After submitting a complaint to Coinbase, they responded stating " Per our trading rules- XXXX A limit order will only ever fill at the specified price or a better ''. Coinbase has caused many users of their platform lose funds. Please note that Coinbase is trying to avoid accountability for internal error that caused many investors to lose money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: AL

Complaint narrative:
I've sent several letters asking for validation of several collection accounts on my credit report. I have not received any correspondence with the information requested nor have the items been deleted.

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 2022-01-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've sent several letters asking for validation of several collection accounts on my credit report. I have not received any correspondence with the information requested nor have the items been deleted.

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 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I have a mortgage with Rocket Mortgage. On my online mortgage payment dashboard there is an 'estimated home value ' and 'use my equity ' button. Rocket Mortgage provided an estimated value of my home at {$270000.00} and the option to get {$63000.00} of cash out of my home with a cash-out refinance. These figures induced me to click and pursue a refinancing of my home loan knowing there was more diligence and appraisal work to be done. I supplied the necessary income documents and credit check. The third-party appraisal stated the home value was {$230000.00}. No problem so far. Based on the appraisal, Rocket Mortgage re-quoted me the cash-out refinance option but now included {$2000.00} in new lender origination fees that they explained I must now pay because the home appraised lower than I stated in the application. Problem here is my application was populated using the data Rocket Mortgage provided and confirmed by their mortgage banker. 

My problem with this is Rocket Mortgage induced me to go through the application and credit check process only to reveal an error on their side and they then charged me fees for their mistake. As a consumer, this bait-and-switch and inducement by Rocket Mortgage is cause for concern. Other consumers should be aware of this and not trust the current financial product marketing practices used by Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, XXXX XXXX XXXX at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that XXXX XXXX XXXX  allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.

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 2022-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, states on their website that you may prequalify for their credit card with a soft inquiry without having to receive a hard inquiry which may harm your credit score. I applied to see if I prequalified, however, when I checked the box to give them permission to view my credit report, they made a hard inquiry on my XXXX credit report and attempted to do so on my Experian credit report which was locked. When I complained against this violation of trust, they refused to remove the hard inquiry and issued a credit card to me against my wishes. I never activated the credit card, yet they put it on my credit reports! I forced them to close the credit card, but it remains on my credit reports. 

XXXX XXXX, effectively used deception and misleading information to steal my confidential identity information, place a hard inquiry on my credit report and issue a credit card to me that I did not want. This is fraud and I have filed a Police Report and an Identity Theft Report.

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 2022-01-07 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: GA

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX XXXXXXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in XXXX appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in Experian appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.

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 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
The convergent outsourcing/XXXX  XXXX collections that is on my credit report is not supposed to be on my personal credit. 
It was a business account. 
Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? 
Ive disputed this account 4 to 5 times on XXXX and XXXX, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP.

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hello, On XXXX I opened my Kabbage Checking Account ( Sole Prop. ) XXXX. This was opened under XXXX XXXX under my Name and SSN. At the time there was a Bonus of {$300.00} for making 5 debit purchases within 45 days. Five Debit purchases was completed XXXX. My account balance was {$27.00} on XXXX. 

Then sometime between then and XXXX my account was locked Pending additional documents for verification. I provided My Drivers License, Tax Returns, and a Bank Statements. 

However My account is still locked after sending emails and talking to representatives over the phone. No one has been able to unlock it. I am requesting my All my money including the {$300.00} Bonus and my account to be unlocked. I have given enough time to figure out what to do. I have supplied all of the required documents. I have attached an email I sent and the Bonus Disclosures along with the proof that my account is locked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
In XXXX, I applied for a {$5000.00} from NetCredit ( XXXX, Illinois ) that was approved and directly deposited into my checking account. I started having payments debited for {$260.00} monthly starting on XX/XX/XXXX ( XXXX of each month ). Ive paid over {$3200.00} to NetCredit and still owe a balance of {$4900.00} as of XX/XX/XXXX. NetCredit is a Predator Lender and a XXXX XXXX XXXX in violations of Georgia PayDay Lending Laws. This wasnt disclosed. I need help to avoid being taken advantage of Financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have tried on Multiple Attempts with TransUnion to get 75 unauthorized inquiries off my report. They have refused to work with me each time. They consistently tell me that they can not help me and are unable to delete inquiries

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 2022-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-07 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: LEXISNEXIS
State: MN

Complaint narrative:
I have called Lexis Nexis and XXXX several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave Lexis Nexis to report or house any information on me XXXX is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America at XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX ; ( XXXX ) XXXX ] abruptly and without notice closed their lobby many days ago. I have been trying to access my safe deposit boxes multiple times for nearly two weeks. There is no sign that says why they closed, if or when they are going to reopen, and how or if existing paying customers can gain access to their safe deposit boxes. Vital personal paperwork ( car titles, homeowner 's insurance, advance directives to physician, last will and testament, etc. ) can be in these boxes, and customers are unable to access their property. This is creating a personal catastrophe for me. I have called multiple times, emailed as directed multiple times to XXXX, called Bank of America customer service, ( XXXX ), etc and still can not locate a responsible party who will open the lobby so I can access my safe deposit boxes. Could you please contact this organization and get the name of the responsible party at Bank of America who can open the lobby, obtain their plan of action for reopening, provide access to my safe deposit boxes, and state when and if they plan to reopen ... or if they are permanently closing. I would like one of your staffers to get on the phone with them, and to conduct a three way call with me to determine a date and time and the name of who will provide access to my safe deposit boxes. I have been a loyal customer for many years, have a bank account there, and I am very stressed that my life is suspended because there was not planning for a potential closure ... e.g. open the lobby for 2 hours in the morning on Mon, Wed and Friday. There is no corporate statement nor sign on the door as to the dates of closure, reopening, or why the lobby was abruptly closed. As a customer, I am obviously concerned about solvency of the bank. Also, I am paying rent to have my safe deposit documents/property held hostage and inaccessible. I am respectfully asking for your help because I have nowhere to turn. Is this practice even legal? Any help is greatly appreciated. 
PS I am acquainted with the Branch Manager, XXXX, who is a lovely and competent individual. She has always been helpful and has solved many issues for our family over the years ( college finances, car loan info, etc. ) I am confident that she is a sensible, responsive manager, but I can not speak with her since the lobby is closed. 

Bank of America XXXX XXXX in : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( 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 monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.

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 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
Amcol has committed Aggravated Identity theft in pursuant to Federal Law 18 USC 1028a uses, Without lawful authority. 
Along with many other Federal violations under the FDCPA. According to 15 USC 1692g the consumer has a right to validate an alleged debt. 
On XX/XX/XXXX I sent out a validation letter via certified mail to Amcol, after seeing a collection for an alleged medical debt furnished on my Consumer report XX/XX/XXXX XXXX XXXX signed for the certified mail. 
On XX/XX/XXXX I received an alert from XXXX that Amcol System Inc. flagged my account with a collection on XX/XX/XXXX, without validating the alleged debt after receiving the validation letter and still marking it as collection but failed to send me the audit trail so I can exercise my rights as a consumer by validating the alleged debt. I also called XXXX Today XX/XX/XXXX at XXXX and spoke with XXXX XXXX he couldn't provide his last name but stated that he is on the XXXX  XXXX XXXX he then confirmed that the alleged debt start reporting in XXXX and XX/XX/XXXX Amcol System Inc reflagged it which caused me to get an alert. Amcol is still furnishing deceptive information on all my consumer report causing many damages. 
An identity theft report from the FTC will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation