vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered that someone within Coinbase had made several unauthorized transactions on XX/XX/XXXX. I was shocked because my account balance just dropped {$1200.00} while the Bitcoin is still going up and I did not do any transactions in my account. The balance should be {$6200.00}, not $ {$4900.00}. It appeared that they had sold my positions in Bitcoin and Ethereum and used the credit to purchase other Altcoin positions of cheaper value. They even accessed my linked checking account to pull additional funds for these purchases. I emailed their support team to refute the transactions and my account was immediately disabled on XX/XX/XXXX. I then contacted my bank to complain about the unauthorized access to my account and they reversed the transactions and returned the funds. I changed all my passwords and user names as instructed by the Coinbase support guidelines and attempted to re-access my account. The next Coinbase email I received instructed me that it would take 9 business days to re-activate the account. On XX/XX/XXXX, I received an email from Coinbase saying " Funds recovery complete '' Sign in to Coinbase but the reset passwords link to sign in are not even working. Over the next few days, I received some robotic emails with a link instructing me to furnish additional funds to the account in order to re-activate it. Instead, I responded with the original complaint about the unauthorized transactions and requested that they restore all my original positions in Bitcoin and Ethereum along with my access so that I could continue trading. I have not received any further response and now my emails are getting bounced back stating the email address I was replying to doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I was contacted by CitiCard about a past due on my account when I did not use my credit card for any kind of transactions for over 6 months. I contacted them, filed a dispute, and was never contacted again other than to consistently call me and text me to say they tacked on more fees instead of resolving my dispute. Today is XX/XX/XXXX, I have been on the phone 5 times in the last hour and a half, have spoken to over 10 different people at this point, just to have them hang up on me and not resolve my issue. I filed a dispute for a minuscule amount of around {$15.00} and they can't seem to help me. They have only constantly transferred me to different customer service representatives or hung up on me. They refuse to contact me back to talk about my dispute and so it is an endless cycle of calling and being hung up on for the last two months.

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 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
Transfer of {$710.00} from Simple Bank to XXXX XXXX on XX/XX/2020 not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am unaware of any fraud activity on accounts listed on my consumer 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 monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I contacted Trans union on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Trans union couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

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 2021-01-17 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  XXXX  aka Check N Go are reporting to both my XXXX  and XXXX credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX  to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX  XXXX  corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: AL

Complaint narrative:
Experian keeps playing delay tactics in regards to an account that isn't mine. I have told them this XXXX XXXX XXXX account is the result of identity theft. I have even submitted a police report expressing the same and they continue to ignore my requests to comply with Section 609 ( e ) of the FCRA. I am requesting that they block this account because it is identity theft. Attached is proof of ID, police report, and FTC affidavit. THIS IS NOT A REQUEST TO DISPUTE. THIS IS A REQUEST TO BLOCK THIS INFORMATION DUE TO IDENTITY THEFT.

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 2021-01-17 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I attempted an ATM withdrawal of {$700.00} on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX , CT XXXX drive-tru ATM. ATM ID # XXXX Serial number on receipt XXXX. No cash was dispensed, the ATM machine was making a clicking sound. Afterwards I made an another attempt and the same issue occurred. I received an email receipt of the withdrawal of {$700.00} and it appears on my online account as well. I filed a claim with Bank of America ( claim number : XXXX. I received a mail from the bank on XX/XX/XXXX stating my claim was closed and the cash was dispensed properly and no error occurred. This letter has a phone number " If you would like to request copies of the documents we reiled on to reach this decision, please call us at XXXX '' I called this number twice and was able to talk to representatives however they refused to provide the mentioned documents and the written results of the investigation. This ATM location has multiple cameras. On the recordings they were supposed to see what happened and I even signaled to the customer behind me about having issues with the ATM.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AL

Complaint narrative:
My account was hacked on XX/XX/2021 and today XX/XX/2021 the same day that I got my refund for the first hacking incident. I have reached out to the company and asked why wasn't the refund and the account secured when they know the account as been hacked more than once within a few hours. I advised that it had to be someone within the company in order for it to happen the way that it did. They don't provide a phone number so that you can talk to someone you have to wait until they decide to email you back. I advised the company that is ministry money that was taken today and no one has responded to me. They emailed me and said I had to link my bank card in order for them to refund my money. Which makes no sense when the money was refunded without my card being linked. I have a cash app card so they wouldn't need my bank card to refund my money. One of Cashapp 's CSR emailed me and said " take it easy '' our team support will contact you case closed. I don't have a way to forward those emails to you. My account was hacked for {$170.00}. When I tried to send the first amount to my son in fear of being hacked Cashapp would not allow me to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: CA

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my XXXX and Transunion credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.

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 2021-01-17 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: CA

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my Experian and XXXX  credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted Experian to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.

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 2021-01-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had Experian provide me with a credit score last year. Under the section that listed things that negatively affected my credit score, it said I had a delinquent account of more than 60 days ; however, I have never made a late payment before and there was no account listed in my credit report for me to file a dispute against. I called the company and filed a ticket to get my report corrected. Now, over four months later, the issue is still not corrected. It also lists that I have too few accounts with good history. It lists me as having 9 accounts with good history and the average number of accounts with good history is 6. I am not sure how my 9 good accounts hurts my credit score when it is above the average of 6. Every time I call the company, I am unable to get ahold of anyone. It either cycles through automatic messages with no option to connect to a representative or disconnects the line. I have not been helped to resolve this issue and Experian is listing my credit as nearly 100 points lower than the other two credit reporting agencies. They told me the one time I was able to get ahold of them that their algorithm calculates it differently than the other two, but they have two " negative impacts '' in my credit report that has no account attached to it that I am unable to dispute directly on the website. Because I have been unable to get ahold of anyone through the four or five phone numbers provided, my credit report is being hurt by information that is inaccurate.

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 2021-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I purchase a vehicle from XXXX XXXX. I am single mother with XXXX dependents and was sold a vehicle from XXXX XXXX dealership with the understanding that the car dealership was in the customer best interest. After driving the vehicle for a short period of time, the vehicle starting acting up. Then I started doing research after vehicle started messing up and found three recalls on this same vehicle which put me and my kids in danger. With this being, the contract was and should be considered unethical, which goes against the fair credit billing act. The car dealership also called my company for whom I'm employed with and started sharing confidential information concerning this vehicle. 

XXXX XXXX XXXX Recall Item Affected : AIR BAGS : SIDE / WINDOWDate Announced : XXXXDescription of Recall : XXXX XXXX XXXX XXXX XXXX XXXX is recalling certain model year XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX  vehicles. In the affected vehicles, increased resistance in the driver and passenger seat mounted side impact air bag ( SIAB ) wiring harnesses may result in the SIAB and seat belt pretensioners not deploying in the event of a crash.Action Need To Fix It : XXXX will notify owners, and dealers will replace the affected harness connections with soldered connections, free of charge. The recall began on XX/XX/XXXX. XXXX owners may contact the owner center at XXXX, XXXX owners at XXXX, XXXX at XXXX, and XXXX owners at XXXX. XXXX 's number for this recall is XXXX. Note : Vehicles repaired as part of Customer Satisfaction Campaign XXXX and special coverage XXXX have already had the subject condition repaired and therefore are not included in the safety recall. 

XXXX XXXX XXXX liftgate up when open. These struts may prematurely wear and the open liftgate may suddenly fall. 
Action Need To Fix It : XXXX will notify owners, and dealers will update the software for the power liftgate actuator motor control unit so that the motor will prevent the rapid closing of the lift gate, free of charge. The recall began on XX/XX/XXXX. Owners may contact XXXX customer service at XXXX, XXXX customer service at XXXX, XXXX customer service at XXXX, and XXXX customer service at XXXX. XXXX 's number for this recall is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I the month of XXXX, I purchased an it through Papal. I did not get the item as promised. I filed a complaint with PayPal after contacting the business. They provided a tracking but when I finally received an item with the tracking label, the item was significantly different. 

I had ordered a mini car refrigerator but received a fake watch. By this time, PayPal had closed my case since the seller provided them with a shipment tracking. 

I requested the case to be reopened, sending PayPal evidence of the shipment label as well as the item. PayPal and the seller are forcing me to pay for the returning cost of the item they send me which is not what I purchased. 

I believe that I should not be made liable for the returning cost since i am not returning an item which I purchased. I have told both PayPal and the seller that i am not interested in the fake watch as i have no use for it. I want my full refund since it is obvious that never had the item which they advertised nor intended to ever ship what I actually purchased.

I am ready to return the wrong item shipped to me upon the seller providing me with a paid return postage. They would not refund me. Both PayPal and the seller keeps running me in circles. 

I kingly look forward to your assistance. Thank you. 

Paypal case : XXXX Transaction ID : XXXX Date : XX/XX/2020 Actual item purchased : Electric Armrest Box with AC Refrigerator & Wireless Charging for All Automobile Item received : Fake watch XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: VA

Complaint narrative:
I bought a car and financed it XX/XX/XXXX. 
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. 

They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. 
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. 

The customer service is terrible. I'm going to change the bank soon.

Company response to consumer: Closed with explanation