vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I loaded {$200.00} into Coinbase with a Bitcoin Purchase. Within 10 seconds after the Bitcoin was purchased, the money was sent to an unknown address. They took the exact amount loaded, got around the 2 part authorization. Coinbase does not have a live person to speak with and has been evasive on the matter. Given how quickly it occurred and that it got around all of Coinbases security, including that I changed my password minutes before I made the purchase, leaves me to believe Coinbase is in on it. I can replicate the problem as this is the second time it has occurred, first time for {$250.00} and also happened immediately. Coinbase never got back to me the first time either, back in XXXX. If you can hook up to my computer, I can make it do it again and you can track all data being sent back and forth to help catch whoever is doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
1 ) My credit Card was stolen, I spent perhaps an hour with HSBC Fraud dept going over illegal and fraudulent charges one by one. They assured me they would be removed and only to pay what I owed. A new card was issued. This was on XX/XX/20 2 ) I did and sent a letter WITH the bill where I circled each fraudulent charge 3 ) I was assured by HSBC 's Customer Service people all charges I didnt not make AND THAT I IDENTIFIED would be removed. 

4 ) You not only did not do that you charged me interest on them. 

5 ) I tried calling your customer service dept again, after a 20 minute wait I explained the situation. I talked to a XXXX ( XXXX XXXX XX/XX/XXXX ). She said you need to verify you pin first, I explained I already did when I called, She kept insisting I go to you automated system to verify a pin I already entered, how could I speak to her otherwise?. She was ZERO help. I asked to speak to a Supervisor and after an epic 60 minutes, obviously she never came onthat is over 1 hour and 20 minutes to speak to someone with perhaps a semblance of intelligence to rectify HSBC 's MISTAKES. XXXX said she tried to get Supervisor but couldnt get one, Excuse my XXXX  XXXX! 

6 ) I wasted hours with their incompetence. All I want are the illegal charges taken off, as they promised, for them to remove a interest charge on monies they said Id did not have to pay. I paid what I owed. They mispresent the truth, did not, as required take disputed charges off and make it impossible to rectify with Customer Service people who can not speak English or know the banks procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never applied for credit from capitol one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, {$3700.00} + {$48.00} = {$3800.00} was deducted from my checking boa account # XXXX, so I called usps postal service accounting Dept, checking every money order ss #, amount, code, all usps mo I had deposited into my boa account on XX/XX/XXXX, all MO cashed On XX/XX/XXXX ( usps ref tot XXXX ) so I request to refund me $ XXXX {$48.00} = {$3800.00}. Thanks in advance. 

When my boa accnt XXXX was closed on XX/XX/XXXX, {$3800.00} was never deposited or refunded to me. In final closing letter from boa, {$3700.00} + 4x {$12.00} was deducted, Complaint #  XXXX and 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 2020-07-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters out certified almost 40 days ago and have not been notified. I dont understand why they do not follow the law. I feel like these clowns taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Wont let me connect my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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:
Contacted Experian, XXXX and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I've contacted the collection agency called Caine & Weiner, after I viewed my credit report and saw an account in collections reporting which I'm not aware of this debt at all. 

I called the at number ( XXXX ) XXXX Asked for more information on this matter. 
In the phone call, I try to reach a settlement if by any chance the debt can be verified that it is mine, I explain because of Covid can't make a payment in Full of {$250.00} which is reported as owed. 

I request for a smaller amount to be paid in order to settle this account, they start to get very disrespectful, with attitudes and why am I not being responsible for this debt, I repeatedly mention Covid affected my job, and the guy continuously said that wasn't a good enough answer, a lot of people call and pay their owed accounts in Full why can't I be responsible. ( in a very mean inconsiderate way I was being treated all through this phone call ) I feel offended. 

How can you treat someone like this in these unprecedented times. I felt humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: MI

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-19 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: Total Card, Inc.
State: MI

Complaint narrative:
I had a credit card with the XXXX XXXX XXXXXXXXTotal card services Inc that was sold to a collections agency XXXX XXXX It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX  to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXXXXXX XXXX Total Card Services Inc . I called them and told them that I had paid the debt with XXXX XXXX and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since XXXX  acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: FL

Complaint narrative:
I notified Experian by certified mail a 611 ( a ) ( 6 ) & ( 7 ) letter which was not responded to properly. Inaccuracies and reaging of accounts, charge off account total changed.

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 2020-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: MI

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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