vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I had my account hacked XX/XX/2021. My phone service is with XXXX XXXX. I was not on auto pay with my phone and when I called to make a payment they told me my phone number no longer existed. I discovered my phone number had been ported to XXXX. Someone with the phone carrier watches the XXXX messages to identify the customers with COINBASE and interrupts the service to take the phone number and use to hack accounts. 

However COINBASE should never allow someone to change a password without having to present photo ID, that is the reason I would think the WEB ID and Government issued ID is held for the account holder in addition to meeting KYC. The hacker changed the phone number after they accessed the account to prevent me from accessing via XXXX, but this shouldn't be able to happen if you are required to present a Photo and Government Issue ID when verifying your identity to open an account. The only way this could occur is some from inside COINBASE is working with the hacker. 

Two things tip me off : My phone number was taken away after just one day between payment renewal date and making a payment. They told me the number no longer existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCB/XXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$2400.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE

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 2021-06-28 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: WI

Complaint narrative:
On XX/XX/XXXX I received an email alert stating that I had a pending credit application for a credit card through XXXX XXXX. I also received notification through my life lock app that I had new inquiry on my credit report from XXXX XXXX. 
I contacted XXXX XXXX and asked why did they pull my credit report and the confirmed that a credit application was opened in my name. I informed them that I did not apply for a credit card and that my information was being used fraudulently. XXXX XXXX cancelled the application and marked it as fraud and stated that they will besending letter to the three reporting credit bureaus to have the inquiries removed. 
On XX/XX/XXXX I did a follow up to check to progress and was informed by XXXX XXXXXXXX that the letters never went out but I could call the three reporting credit bureaus and dispute inquiries on my own, so I reached out to the three reporting credit bureaus and had success getting the inquiries removed from my XXXX XXXX, and XXXX report, but Equifax said I had to provide them with a police report or FTC report. That's how I ended up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: TX

Complaint narrative:
Experian will not provide me with any documentation to validate two debts sent in XX/XX/XXXX, from XXXX. Both debts were immediately removed from XXXX and XXXX however, Experian removed one but not the other. I have repeatedly disputed this debt and disputes are closed very quickly by Experian without providing any documentation for the validation of this debt. Now, Experian has allowed XXXX to re-age this debt on a monthly basis. 

The company XXXX is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, XXXX continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with Experian Credit, they too, sent a request to Consumer Federal Protection Agency as this company illegally re-aging this debt. 

XXXX continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why XXXX continues to send medial invoices which are paid by my insurance company. 

All credit agencies have removed this debt, however, Experian has not, and has allowed this debt to remain and allows XXXX to re age this debt on a monthly basis. This is illegal according to Federal Law. 

A police report was filed against both XXXX and XXXXXXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. 

They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company XXXX  ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. 

After alerting my insurance company of the fraudulent activity, the company XXXX XXXX  retaliated by sending medical invoices intertwined with an alleged bill to the collection agency XXXX who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt. The nature off the debt and has continually changed to support the debt after sending documentation to Experian who shared with XXXX, however, I do not, nor have I ever seen anything from Experian sent from XXXX to validate 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 non-monetary relief
Consumer complaint received 2021-06-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
please add missing from report : fcra violations XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/AMAZON PLCC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: OH

Complaint narrative:
I never gave written instruction to furnish my report 15 usc 1681 violation

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 2021-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, I ( XXXX XXXX XXXX booked 2 one-way flights from XXXX Texas to XXXX XXXX for {$580.00}. I used XXXX to search for the flights and booked through an online travel agent called " XXXX ''. The Airline was XXXX XXXX  and was scheduled for departure XX/XX/2020. On XX/XX/XXXX the flight was cancelled ( I received cancellation email from airlines XXXX. On XX/XX/2020 I received an email from XXXX XXXX saying that " The refund for flight cancellation has been forwarded to the travel agent I booked with ( XXXX  ) ''. XXXX Euros were deposited in a Mastercard ending in XXXX ( XXXX  ). I could not recover refund from XXXX so I opened a dispute with my credit card XXXX Bank of America Visa ending in XXXX ). The dispute was rejected because there was " No Cancellation Policy ''. I opened up another claim with Bank of America. I made sure that they were aware that the travel agent had received my refund, but they were just holding it. I had personally spoke with a representative from XXXX XXXX that gave me the exact date and the card information for the refund that they had already sent to XXXX. I forwarded this information on to Bank of America in the second dispute. Having provided this information, I figured it would be a matter of time before the dispute would be reviewed, Bank of America would see that i paid for a service from a third party. the service was cancelled, and the third party kept my money. How could anybody look at those circumstances and see that I was not due a full refund? A few months later, I received another letter from Bank of America saying that they decided against me in my dispute claim, and that I needed to go through gotogate for a refund. XXXX has horrible customer service and there is no way to reach management and if you get somebody on the line and they cant answer your question, they will just hang up on you. They are also based in XXXX, which makes it even more difficult to reach leadership/management. I want to file a complaint against Bank of Americas credit card department because their dispute department has failed Me ( Their customer ). They should protect their customers from borderline illegal activity by merchants. This travel agent has held my money for over a year now and Bank of America is just letting them get away with it and that's just wrong.

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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
on XX/XX/2021 I called the Banana Republic Synchrony Bank Visa CC to advise that I never received any communication regarding the bill being due. 

I spoke with a representative who stated that I must pay the whole bill in full, which was {$72.00}. This amount included a late fee of {$40.00}. The customer service representative stated that the {$40.00} late fee would be refunded, but that since the account was showing as past due, the entire amount had to be paid in order for the late fee to be refunded. I paid the {$72.00}. 

The {$40.00} late fee was never refunded. 

Since that time, another purchase was made, totaling {$34.00}. I should have had a {$40.00} credit on my account from the late fee refund, which would mean that I did not owe anything ; however, the late fee was never refunded which resulted in a balance and another late fee of {$34.00}. 

Now today, I made another payment of {$71.00} that includes this new late fee of {$34.00}. 

At this point, I have received 2 late fees that should be refunded. The 1st one being {$40.00} in XXXX, that I was advised would be refunded, and the 2nd one being {$34.00} which ocurred because the 1st one was never refunded as advised.

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 2021-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I reported to the XXXX  about the dealership ( XXXX XXXX XXXX , Fl . ) early in my term with the vehicle for shady tactics because I told them I didn't want the car nor did I think i could afford XXXX a month. The Financial Manager continued to show me his gold jewelry and assured me building my credit for nice things was the right move. and to " bite the bullet '' for about 3 months and make the payments and I could trade it in for something i really wanted. When I returned 3 months later I was told that manager was just filling in for that day and they had no clue what I was talking about. So that is when I reported them to the better business bureau for unethical tactics. Long story short I got nowhere with that and continued to pay the car bill for 20 months until I had it voluntarily repossessed because of the burden. I would call them every month to let them know of any address changes or places of employment so that they could recover the vehicle. Fast forward a year and a half and someone finally shows up at my door for the car. Months later I saw the XXXX XXXX dollar debt on my credit report, for a XXXX XXXX dollar car that I had paid on for almost 2 years. Never received any notice of auction sale, nothing. I need this off my credit report. Its been almost a decade and it is still haunting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST DO NOT DELETE THIS COMPLAINT!! I have some new information on this issue from XX/XX/2021 when I registered a dispute on charge with Chase. Chase is standing on the fact the merchant XXXX XXXX in XXXX, CA stated that no refunds after 30 day of purchase but because XX/XX/2021 was a short month and we tried to return the flooring on XX/XX/XXXX which is the day I called to register dispute with Chase, we were STILL in the timeframe for returns! So Chase has no reason to not side with myself instead of merchant. XXXX XXXX state right on their receipt within 30 days which we tried to do and they refused to accept for NO REASON. Chase stated do I have proof that I didn't pick up product on XX/XX/XXXX when purchased, even if I did ( I didn't ) it was STILL in the 30 day timeframe!! 
I want Chase to look back at everything and see that everything I am stating is correct and I was in the timeframe so XXXX XXXX has NOTHING to stand on!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: IN

Complaint narrative:
I disputed XXXX  XXXX XXXX  XXXX XXXX  XXXX ) with trans union on my credit report that was discharged as part of my bankruptcy. I provided court documentation to transunion after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the 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 2021-06-28 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complained about fraudulent XXXX charges and company failed to address my concerns. They apparently ruled summarily in XXXX 's favor without asking me for any information or advising me of their decision not to investigate the claim throughout the month of XXXX when the fraud was discovered. 

Waited 30 mins to speak with someone at this garbage company only to be transferred to a foreign representative who couldn't hear me. Of course, if they used a real phone instead of a tin can, then this wouldn't happen. Garbage company. Garbage product. 

Totally violated my rights under the Fair Credit Act and the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Social Finance, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other SoFi Lending Corp . Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. SoFi Lending Corp - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. SoFi reported to XXXX that the information is accurate. This is the information on the XXXX website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at SoFi Lending Corp, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to XXXX. I opened a new dispute with XXXX. I mailed copies of both the police report and the SoFi letter because for some reason the XXXX website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

SOFI XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is reporting inaccurate personal information on my credit report, inaccurate addresses

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 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
I applied for an unsecured personal loan on XX/XX/XXXX. I was pre-approved for a {$1500.00} unsecured loan or a {$6000.00} secured loan if I used my car as collateral. I chose the unsecured loan personal loan for {$1500.00} and I submitted my financial information. I spoke to XXXX at the XXXX, OR branch on XX/XX/XXXX and she stated that they needed my vehicle registration or at the very least they needed the VIN to proceed with an unsecured personal loan since I have an auto loan listed on my credit report. I asked for documentation and why this was necessary for an unsecured personal loan and her was response was, " well I told you that you needed to provide your cars registration proceed in the first conversation. '' So there is no real explanation to why this lender wants a customers vehicle registration for an unsecured personal loan that doesn't require collateral except for there to making up there own rules. I'm filing a dispute to have the hard inquiry removed and filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
Last year I learned that someone stole my identity. After months of working with the companies and credit bureaus I was finally able to correct the situation except for with Transunion bureau. They have been ignoring my request for several months and at this point I'm not able to use my credit at all because they will not remove the erroneous information. I know their failure to respond to me is illegal and I have a right to have a correct profile. Please assist.

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 2021-06-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I began to work on my credit since the beginning of the year, all the other credit bureaus are up to date, they all let me actually have ahold of my information regarding my credit. Except equifax, I tried talking to various and I do mean various different agents and none of them are of help. lol they say is try again in 24 hours. And they ask for so much of my information and still no help at all. Doesnt seem very fair to me that I cant get ahold of my very own information that Im working so hard for. I cant even buy a home because it just says I have no credit available. Theyre systems have been down for years now, I feel like its super important for them to really help us. If other credit bureaus are then so should they. Thank you for your time!

Company response to consumer: Closed with explanation