vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023, I initiated a withdrawal of {$12000.00} from my account at Coinbase.com to my domestic checking account. 
I selected the " XXXX XXXX out '' method which says " free '' on the web page ( see screenshot ). However, I was charged {$210.00} " banking fee '' for this withdrawal transaction. 
I contacted Coinbase 's support immediately ( XX/XX/XXXX  ), but the company rep claimed that the withdrawal is not actually " free '' and refused to refund the {$210.00} " banking fee ''. 
Here are the facts : 1. The website clearly listed both " XXXX XXXX out '' and " standard cash out '' as " free ''. 
2. There is no " banking fee '' mentioned in the company 's fee disclosure 3. The company rep said that she doesn't know how it is calculated, or where to look it up when asked. The only way is to know is review one of the popup during the process. 
4. The company rep said that the website shows it's " free '' because the user has not entered the amount. This is very misleading, as not being able to calculate the fee is fundamentally different from being free. During the call, I asked the company rep, whether it is possible to use XXXX XXXX out for free, for any amount. She said no, which is a proof that this method is never free. 
5. When I initiate the withdrawal, I clicked on the " XXXX XXXX out '' option, which says free, before entering the amount, during which I was not aware that it is not free and was misled into paying the fee. 
6. The hidden fee of {$210.00} is also over-charging a domestic transfer, considering the ACH transfer is usually free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit score and information is not updating. It is reflecting outdated and incorrect information. It is significantly lower than all of my other scores by XXXX points. This is impacting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2023, Bank of America sent me a credit card bill in the amount of {$1600.00}. I promptly paid the bill on XX/XX/2023. Shortly afterwards the bank closed my account. I then received a refund on the closed credit card account in the amount of {$1600.00}. This amount now shows as a credit of {$1600.00} on the account. 

I contacted the bank about 2 months ago and an associate told me that since the account is closed, the bank will issue me a check to pay me back {$1600.00} ( Case number XXXX ). However, I received a mailed response from Bank of America on XX/XX/2023 informing me that they can't return my credit card payment with no explanation for not returning my money. 

Adding a layer of gravity to this financial saga is my ongoing battle with a severe illness spanning XXXX arduous years. This health struggle has introduced unforeseen financial burdens, making the bank 's refusal to return my money not just disappointing but morally questionable. 

Let it be underscored Bank of America 's actions tread the murky waters of Unfair, Deceptive, and Abusive ( UDAAP ) standards. This maneuver inflicts substantial financial injury upon the consumer, corroding the foundation of consumer confidence and casting a shadow over the integrity of the financial marketplace. The refusal to rectify a situation that is both morally and ethically imperative is a testament to the dire need for reevaluation and accountability within our financial institutions. Thank 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 monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Upstart Holdings, Inc.
State: MS

Complaint narrative:
Upstart loan was paid as agreed I lost a XXXX and missed XXXX payments I emailed the company asking to pay XXXX towards the balance and they said they sold it to XXXXXXXX XXXX  now upstart is on my report while XXXXXXXX XXXX  is collecting. I don't belive XXXX company 's can collect on the same debit. And I have been paying XXXXXXXX XXXX every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
I am currently in the process of purchasing a home and have discovered discrepancies on my credit report. According to the 15 USC 1681 law, my credit report should not contain any inaccuracies or damages. The presence of such discrepancies is not only affecting my ability to secure a home loan but also constitutes defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
I trust this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the misuse of my personal information within the United States in XX/XX/. 
I am XXXX XXXX XXXX, an international lawyer and consultant who has not resided in the United States for the past 12 years. Regrettably, it has come to my attention that identity thieves attempted to exploit my documents within the aforementioned timeframe. I am reaching out to formally request the removal of my name from any local and international agencies to prevent further misuse of my identity. 
I wish to emphasize that, as an international legal professional, I have maintained a clean record, and I have never been associated with any suspicious money transactions. The misuse of my personal information is a matter of great concern, and I am taking immediate steps to rectify this situation. 
To facilitate this process, I kindly request your assistance in expeditiously removing my name from any databases, records, or documentation related to the aforementioned identity theft incident. I am prepared to provide any necessary documentation, such as a copy of the police report filed in connection with this matter, to support this request. 
I appreciate your prompt attention to this matter and anticipate your cooperation in ensuring the swift removal of my name from any pertinent records. 
Should you require any additional information or documentation, please do not hesitate to contact me at my email I have only a XXXX XXXX XXXX XXXX Florida to receive correspondence. 
Thank you for your understanding and cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Giving my personal information out when I asked for my credit to be locked and it's still open as of now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One cc. I was on a hardship program, and recently was to be placed on a specialty program. Orig : limit was {$200.00}. This was to be an interest free account. I am currently homeless, Capital One is dropping my score XXXX pts a month, and charging me {$40.00} late fees every month. I had been working on my credit, it had raised to XXXX. It is now {$570.00}, do to Capital One. This credit decrease, also, affects me obtaining an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: MT

Complaint narrative:
my.equifax.com account only worked about 6 months out of XXXX, it worked for a little while after my XX/XX/XXXX complaint, it has not worked since XX/XX/XXXX. It has said " We are temporarily unable to complete this request '' since XXXX. I just tried to get my free annual credit report and was told " We've experienced an issue processing your request ''. I even paid {$9.00} for the premium service to see if that would help, it did not so I canceled the service and now feel like they stole {$10.00} from me! I have cleared cache/cookies, 2 different networks, and tried 3 different browsers. 

I already know from a year ago how horrible and useless their customer service is, I can not believe this miserable company that does nothing to help its customers is in charge of making decisions about our credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
I completed a student loan forgiveness application with edfinancial and was told i qualified for full forgiveness. I am now learning they didnt have the authority to approve that, and now suddenly my loans are late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency.

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX, when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was a victim of Identity Fraud. On Thursday, XX/XX/2023 at approximately, XXXX, I received a text message from " JPMorgan Chase Bank ''. The Text stated that there was a Fraudulent charge of {$240.00} USD at a XXXX XXXX in Texas. The text prompted me to reply " 1 '' to Validate or " 2 '' to deny the transaction. I replied " 2 '' and another text stating that I would receive a phone call from JP Morgan Chase Card Lock Support. I received a call about ( XXXX ) 3 minutes claiming to be a representative for JP Morgan Chase Bank regarding the text message of the Fraudulent charges at XXXX XXXX. The caller had a valid list of my past XXXX transactions history from the account, and also verified one transaction in " real-time '' while driving. 
The caller asked to " Verify my Identity '' by sending me a text message with a code and to read it back to him. He then proceeded to tell me that there were several other " wire '' transfers/charges that were happening in real time of different amounts from {$5000.00} to {$10000.00} going to different accounts in different states. Then he said that since my account has been compromised, that they need to " freeze '' my current account and open up a new one and transfer money into my new account. Subsequently, they ( Wire ) transferred {$26000.00} USD to a " XXXX  XXXX XXXX '' account NOT associated with my Personal JP Morgan Chase account. 
I have been in contact with JP Morgan Chase Bank, a Detective with the XXXX Police Department and FBI. We ( Detective of XXXX XXXX ) submitted a search warrant to the XXXX XXXX States Attorneys office for review and was Approved. 

The Search Warrant Concluded that there was NO account at XXXX XXXX  XXXX that received the {$26000.00} and that the account provided to me by JP Morgan Chase does NOT exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : GM FINANCIAL XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

Company response to consumer: Closed with explanation