vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have a crypto currency account with Coinbase. On XX/XX/2021 I was on my account. I check my account monthly. The following day XX/XX/2021, my son informed me that the currency I owned, XXXX was up 20 %. I went into my account and all the funds ( {$1200.00}. ) were transfered out to an account that wasn't even listed on my transferable account list. The only account listed to send withdrawls to was my XXXX XXXX checking account. This may not seem like a lot of money but my wife and I are eldery and exist on Social Security and a very small pension. We would take money out of the account to aid with medical, food and mortgage payments. It's a big deal. I called Coinbase. It took over an hour to get someone on the phone and another thirty minutes for them to secure my account. They asked ME a myriad of questions before they would even discuss the problem. The representative stated the complaint would be forwarded to security. Long story short. I went back and forth with them for two weeks before I was even allowed back on my site. They stated they were not responsible for transactions. What happened was a suspicous transaction and they did nothing. I think they have no or very little security protocols in place. A class action suit should be filed against them, as there are numerous others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Conn's, Inc.
State: NV

Complaint narrative:
I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by XXXX to XXXX points. Instead, of it increasing by XXXX, XXXX points or more. Yes I called XXXX after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase has locked my account twice in 5 days for no reason they are holding my btc in my account and wont respond. Ive verified my card with XXXX small transactions and my identity. My bank said I cant dispute because the cant dispute btc transactions can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
While checking my credit reports on experian I noticed two medical collections that do not belong to me. I sent two debt validation letters for each account to the company and both letters were received on XX/XX/2021 and signed for by an XXXX. But since receiving the update from XXXX that both letters were delivered I haven't received any proof or even a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: MI

Complaint narrative:
They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus

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 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I made a Gemini account in the beginning of XXXX. I initially put {$700.00} in. I made a profit of {$150.00} and decided to put it into crypto again. Around XX/XX/XXXX I bought more crypto ( {$700.00} worth ). My account was valued at {$1500.00} on a non market basis. First or second week of XXXX my account got frozen and deactivated with my money inside of it. I heard nothing from the support team for weeks. Last week they emailed me saying they determined it was an issue in my end and will reimburse themselves from my portfolio as necessary. What happened was, when I deposited more money ( the {$700.00} ) in my account, I selected the wrong savings account ( one with insufficient funds ). My bank stopped the transaction for that reason but Gemini did not. When the funds were no good, Gemini took my money and deactivated the account. I still have my original {$850.00} in the account that is completely mine. I have emailed the support team countless times to no response. Like I said it has nearly been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo recently started charging my checking account a monthly service fee of {$10.00}, despite my meeting the requirement for waiver of the fee by exceeding the minimum age requirement. After I protested, Wells Fargo did send a check to me for {$24.00}, which they falsely indicated was for reimbursement of the monthly fee for XXXX accounts ( I only have XXXX ) and whether XXXX or XXXX accounts the check should have been in the amount of either {$20.00} or {$30.00} not {$24.00}, so the check must have been for something else, leaving me still awaiting reimbursement of the incorrectly assessed fees.

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 2022-01-09 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: FL

Complaint narrative:
My credit was poor when I purchased this car. I had a XXXX that my credit had dropped due to a voluntary repo because I was sold a broken car as in they temporarily fixed so they could sell. My current issue I purchased a uses car that they told me was XXXX which I didnt know was XXXX until end of deal because the dealer was refusing to tell me how much my vehicle was. Then after signing contract the loan company by the name of verseys auto finance was who I had to deal with and all of a sudden my loan was XXXX. My biggest issue is that for the last XXXX they have been putting the loan on my credit profile then removing it. My payments arent being tracked or recorded a on time payments. They have been aware of this and keep saying they will talk to the underwriting department and they never do. Then I called the credit bureau that they report my information to and let them know this and they said to me these companys are allowed to submit and delete whatever they like for what ever the reason maybe I explained to the agent that, what was being done is abuse of my report because every time they submit the loan it may show that Im paying it down but to the Bureau it looks like a new account, so every time they submit it takes points off my credit regardless of on time payments. Im not gaining anything from the loan its super aggravating because they are doing this so that I cant refinance and pay less. I called all main sources and I have proof of whats going on all I wanted was a car but all that got me is someone abusing my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
I was NEVER contacted by CBJ Credit Recovery XXXX XXXX XXXX XXXX XXXX NY XXXX main phone XXXX XXXX Office phone XXXX XXXX XXXX This company without Ever contacting me CBJ directly filed a false report to XXXX and damaged my credit score without my knowledge stating I owed them a false amount of {$130.00} The company XXXX XXXX notified me my credit score will change due to this claim being filed under my social security number. The same day XX/XX/XXXX, I called the CBJ because I did not know who they were! and found out they were representing My XXXX XXXX XXXX XXXX. I spoke with XXXX who said she was the supervisor at that location XXXX XXXX XXXX and stated she did not get paid from my XXXX my insurance company for two dates of service XX/XX/XXXX and XXXX XXXX. I immediately called XXXX twice since XXXX XXXX and XXXX XXXX to follow up and this whole incident is a lie behalf Of CBJ Credit recovery. They were paid plus they should Not file a report on my stellar credit report ever! how dare they misuse their power having my information never contacted me and in addition being paid from my insurance company continue and not clearing my credit report. They should be penalized with a fine to pay for their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i talked to capital one and they said they couldn t do anything in response to me asking them to remove hard inquiries from my credit report and they said i should call credit bureau which i did so i keep getting run around when their not honoring their policy of no harm to my credit when i check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 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: Happy Money, Inc.
State: CA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to Transunion threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my 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 2022-01-09 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: GA

Complaint narrative:
i have been contacting Equifax for several weeks and trying to dispute some unauthorized hard inquiries on my report. as i type this I'm on the phone being denied again. on XXXX i submitted a dispute for these accounts and within 6 hours it allegedly was finished. i contacted them questioning how can you validate something within 6 hours. i was told they don't check hard inquires and repeadetely was told because their factual records which don't answer my question on why these unauthorized inquires wasn't investigated. what's the whole point of disputing something if the company want even do their job and investigate my complaints. the inquiries at hand are from the following. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2021. I was sleeping at a buddys house for a XXXX party an someone stole my whole wallet with my SS card in it as well as my debit card an ran me XXXX $ in the whole with Truist banking

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 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi CFPB, My complaint history is as follows : 1. I identified a fraudulent subscription on my account. 

2. I cancelled my card number with Fidelity Visa and received a new card and a new number. 

3. After receiving a new number, prior authorizations were still granted and I was charged XXXX. 

On a side note, I just checked my card and I see thousands of dollars of fraudulent subscription pre-approvals that I am not familiar with. Many are one time charges that are set as subscriptions. The law/regulation needs to change so when a card number is changed ALL subscriptions pre-approvals are voided. Prep-approvals CAN not be more than 1 week prior to the charge. 

4. I reported the fraud. 
5. My claim was denied as they responded in 1 sentence I reviewed a service 6. I called for additional documentation they agreed to send it. It was never sent. 


I have been with this credit card vendor for years and this is my last recourse before closing my account in its entirely.

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 2022-01-09 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: MI

Complaint narrative:
They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus

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 2022-01-09 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: MI

Complaint narrative:
They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022 XXXX XXXX alerted me about new activity on my credit report. It was determined CBNA requested my credit score from XXXX. This request was not authorized by me, so I immediately placed a freeze and a fraud alert on my credit report with the three major bureaus ( XXXX, XXXX, and XXXX ). Also, I attempted to contact a CBNA representative on XXXX, XX/XX/2022, but this organization was closed. However, I will contact the company on XXXX, XX/XX/2022. XXXX XXXX will investigate this fraudulent activity too.

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 2022-01-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i talked to XXXX  XXXX and they said they couldn t do anything in response to me asking them to remove hard inquiries from my credit report and they said i should call credit bureau which i did so i keep getting run around when their not honoring their policy of no harm to my credit when i check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
Had an account with XXXX XXXX for water delivery that I cancelled XX/XX/XXXX. I had filed for bankruptcy in XXXX and was approved. No mention of this debt was reported then. Now XX/XX/XXXX Collection Bureau of America has opened a collections on this same account. I have not received anything regarding what the {$550.00} is for, nor have I received any contact regarding this. All I get is continued notifications that my collections account balance has increased through my XXXX XXXX account. 

My collections account with CBoA is listed as open, for an account with a different company I closed 4 years prior. Why I would owe {$550.00} for the 2 jugs of water I used to get every 2 weeks is beyond me. I would at least like to know what it is for, why I have not been contacted, and how a balance on an account like this keeps going up and remains listed as open. 

CBoA should be able to provide an itemized list as to what the amount owed is for. It is not fair to ask someone to pay for something with nothing to show as to why. {$550.00} for water is already a red flag, that's ridiculous. If I owe an amount I want to pay it and have it settled, but let that amount be fair and itemized so I know why.

Company response to consumer: Closed with explanation