vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my Coinbase account was hacked. Upon noticing strange activity on my account ( I believe it was a phishing attach ), I immediately called Coinbase to lock my account. When I regained my account access days later, all but XXXX ( approximately XXXX ETH at the time ) was transferred to an unknown wallet. The attackers also purchased {$6400.00} worth of Bitcoin via ACH with my back account. As you can see from the attached image, only {$1000.00} would be available to trade immediately, while the rest could be moved off of Coinbase on XX/XX/XXXX. However, the attacker was able to make off with ALL of the funds. I then received notifications from Coinbase that I owed them for the XXXX the attached purchased fraudulently ( I had put a stop payment with my banking institution that day to prevent further theft ). After a few days, Coinbase seized what I had in staked ethereum to cover what I owed. I emailed supported asking why the hackers could move all of those funds on day one and received no response after multiple attempts. I believe I am owed {$5400.00} ( XXXX could be moved that day ) by Coinbase due to a serious flaw in their crypto transfer activities. Please help! I lost over {$12000.00} on the day of the hack and over {$6000.00} from money Coinbase seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed these inaccurate items way over 35 days ago and you havent notated them as disputed. You caused me to lose out on many offers due to reporting this inaccurate item and not notating it was disputed. I have attached proof that I have given you chances to correct your inaccuracies report number 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 2021-10-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Auto Finance
State: VA

Complaint narrative:
This company listed an account on my credit report that I never had with them. I never had a an account with them nor have i signed any contracts with them at all. They are illegally reporting an account that I did not authorize the opening of. This is identity theft, I have never had any accounts with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. Comenity bank was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX  XXXX XXXX, but I longer have an account with them. I reached out to XXXX  XXXX XXXX, and they said they no longer had my account statements saved. I logged onto XXXX  XXXX  to check my credit score, and I see I have a derogatory mark on my credit. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX CT XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.

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 2021-10-17 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: MI

Complaint narrative:
There are inquiries from XXXX XXXX and XXXX XXXX and XXXX XXXX on my Experian Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my Experian credit report XX/XX/2021 with XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if

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 2021-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Received a call from a Representative of Credit Acceptance. After identifying myself I explained to the representative that I understand that I am still a month behind on payments due to having to replace the catalytic converter on the vehicle one week after purchasing the vehicle three weeks before I was able to make my First payment. I explained to both the dealership and credit acceptance of the situation the dealership did a very bad repair that was very unsafe. 

This situation goes way beyond the reason for this complaint. Due to my sever XXXX  XXXX  and XXXX  the call I received from there representative has triggered my XXXX  XXXX  I am unable to care for my children when I am XXXX  injured. The agent began to threaten and harass me of continued calls. She began to scream and cuss at me. I do not believe that she should never talk to anyone like this. I am requesting to never receive any communications from that representative. I understand that they need to make calls but they should not be allowed to make threats and harass customers at the same time.

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 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CT

Complaint narrative:
I took mortgage with crosscountry mortgage llc as participating in XXXX XXXX XXXX XXXX. 
They issued property assessment on wrong property address ( there are 2 properties with the same address but different zip code ) I ask them to provide required property assessment on correct property they told me they do not require to do so. 
After that they try to force me to sign change of mortgage to the wrong address, I refused. 
I am still waiting for the proper assessment of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I refinanced my mortgage at the end of XXXX. The mortgage that was paid off was with Bank of America. I had paid several months ahead of my mortgage when I refinanced. The 1098 I received for XXXX did not include more than {$8000.00} of interest that was paid. I have been going back and forth with BofA since XXXX of this year on this issue. I have provided to BofA on several occasions, documentation from their systems showing that the amount they paid me from my refinance is off by around $ XXXX ( I took my original mortgage amount with BofA, added on the interest disclosed on the XXXX for the life of the loan and subtracted payments, including the payoff amount ). I don't know from an accounting perspective if I should be refunded this amount or of they should report it to the IRS as interest for XXXX. 

As you can see in the email chain that I am attaching, on XX/XX/XXXX at XXXX BofA agrees there is a " discrepancy with the reported interest numbers '' that they are trying to rectify. That was over seven weeks ago and they have still not rectified this. It has been over eight months since I first raised this issue. During this time they have used their large bureaucracy to try and make this problem go away by passing me around to different people, denying the validity of my complaint while at the same time not addressing the central point of my complaint ( i.e. the $ XXXX difference ) they also continually said that they did not know who I could contact in their Legal Department when I was considering a law suit. 

I think that a banking institution of the size of Bank of America should be able to address this problem in a more timely manner. In addition, this issue seems to be a system issue that most likely has impacted more than myself. I would hope that management at BofA would reach out to other impacted customers, but given my experience I am doubtful that they will do so.

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 2021-10-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The default payment method on my PayPal account is my checking account. It appears PayPal overrides that setting and sets PayPal Credit as default in another section of their website and charges new purchases to the credit account without the customers knowledge. I thought my purchase costs were going to my checking account. PayPal refuses to correct this error. They have charged my account an outrageous amount of interest for years during their shady practices. I believe they've charged the credit account with purchases I didn't authorize. I've never been late with a payment yet they charged me a late fee. All my calls to them went on deaf ears. They've been doing this to me for a long time and I never noticed until now. I feel hopeless and victimized. Please help me. I'm a single mom and cant afford to be I this much debt. I want and need my money back.

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 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
On XX/XX/2021 I sent a debt validation letter to fox collections center requesting them to verify that the debt they have to reported on my credit is mine in the amount of {$6600.00} and they did not verify that the debt was mine. I sent another letter on XX/XX/2021, today is XX/XX/2021 and I did not receive a response at all from their company within 30 days. Both letters were sent certified the 1st one was received by their company on XX/XX/2021 and the second one was received on XX/XX/2021 by their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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:
I am writing this letter after making several desperate attempts to your Coinbase Support. Last week ( Monday, XX/XX/2021, at XXXX XXXX  ) I received a message from Coinbase indicating my password has been changed. As I did not change the password I suggested that Customer Support block my account as I believe somebody attempted to hack my account. Since then I am not allowed to access the account nor reinstate the account. I was unable to reach any Coinbase Support agent so far in order to get assistance to reinstate my account. First, I called the Customer Support phone number many times, however ; I could not reach any live Customer Service Support team agent to discuss my issues. It says their system can not recognize my account from my phone number nor by the email address which I provided when accessing the Coinbase account previously. This customer support number seems to be useless as it won't offer any live support to the customers. Then I filed few complaints through Coinbase Support however, again I did not receive any response from your customer support so far. I also make several attempts to file an official complaint using the complaints form in your Coinbase Customer Complain Resolution Process as I could not resolve my issues with Coinbase Support. I could not even submit this complaint form successfully as it repeatedly asking an existing case number on the complaints form which I do not have. Their system never generated any existing case number or a ticket number although I filed many written complaints with Coinbase Support as stated. Now my Coinbase account is lost, and my identity has been lost meanwhile my banking institution that has been linked to this Coinbase account is frequently sending alerts to me as they monitor several unauthorized attempts to withdraw funds from my bank account using my Coin base account that has been hacked. Although I was able to block my bank account I can not do much with my Coinbase account because I dont have any access to reach any customer support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hey there I am XXXX XXXX my PayPal hold for 180 day i don't use it's automatically going no longer more for 180 days i need my PayPal account back. I provide XXXX services my all customers happy with my services i don't receive any payment report and anymore but my account was closed for 180 days on XXXX XXXX My PayPal email XXXX ( XXXX ) please check now and restored my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got unathorized pruchases on my personal account at bank of america, they ha failed to do proper research and give my money bank Those payments were made in arkansas and i live in california, the sum is about {$2900.00} dollars. This is my life savings. 

This issue has been around since late XX/XX/2021 Thanks in advance for your help

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 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/21 Bluebird AMEX prepaid card mishandled my data for card ending in XXXX. 
This is not a duplicate complaint as they refused to open and close a different card. 
Close account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the Equifax and XXXX Data breach. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: NJ

Complaint narrative:
On XX/XX/2021 I filed a complaint with the CFPB against Experian for unethical business practices ( Dropping my XXXX credit score 20 POINTS for a hard inquiry which was not me who applied for anything ) then ( Dropping my credit score 53 POINTS because I had used {$310.00} on a {$500.00} limit card ). When I filed another complaint with Experian because my balance was {$210.00} and mortgage was {$150000.00} not {$190000.00}, Experian refused to update my balances and closed the complaint. This is retaliation for my original complaint along with unethical and suspect business practices. 

COMPLAINT ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2021-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint about an ambulance XXXX XXXX ( 3 ) about not accepting XXXX XXXX payments as paid in full. My complaint was accepted and the entries were to be removed. All other companies accepted XXXX payment. I lost my job to Covid-19 and live on social security. Food & housing take most of my check and payment is impossible under the credit. I am XXXX with health issues & future employment is unlikely. This is unnecessarily hurting my ability to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: OR

Complaint narrative:
Received a letter and a debit card from " Netspend All-Access by XXXX XXXX  '' address XXXX XXXX XXXX XXXX TX XXXX. This was an account I did not request or apply for. The letter indicated that I had an account opened including a real debit card needing activation, a routing number, and an account number. There were also instructions for direct deposit. I was highly worried my identity had been stolen. 
I finally got through to the company and was informed this was a promotional card and account and that I did not need to open it. This was extremely misleading on the documents which included a large packet of account info ( things I have typically received from actual banks I have actually opened accounts with ). I informed them of the problem of the misleading documents and the fact this looked as though my identity had be stolen. There was not much they could do as this is clearing an issue with fraudulent marketing.

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