vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I transferred XXXX shib tokens to my coinbase account instead of my connected coinbase wallet by mistake and Ireceivedaconfirmationemailfromthemthattransactionwascompletedsuccessfully. Since then I've opened over 50 support tickets and submitted around 7 complaint forms in addition to over 60 emails requesting help. I don't see tokens transferred in my account or my wallet and wanted them to confirm that they see them and that I haven't lost them already. And I always asked them to move tokens from account to wallet internally so I can continue investing. Most of the time they never responded to me and in the very few times they did, they would lie and say a specialist is reviewing your account but nothing happens and they never inform me of the review results. I've put all my savings in these tokens and I'm suffering every day worrying about loosing my tokens and money. Coinbase has no way to be reached by chat or phone to talk to a real person and they keep contact via support tickets which they never care about in reality. They don't care about their customers needs, questions or concerns and completely ignore them. I need your help please resolving this issue for me and a lot more of coinbase customers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021, I XXXX XXXX was denied a credit card by Capital One, I received an Adverse Action letter from them detailing their reasons for the denial. The problem is their reasons don not in any way comply with the FDCPA, TILA or the FCRA. I supplied my open end credit card also know as my SS #, still I was denied. I responded to the Adverse Action letter, which was sent by Capital One. To this day they have not responded. My response details their violations of the above mentioned laws and includes the remedies that I seek. The documents were sent USPS certified mail return receipt # XXXX and was delivered on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a refinance on my 1st mortgage. I did not want to combine my 2nd mortgage with it. The 2nd mortgage can be paid off in 5 years so I don't want them combined into one. They want want us to pay them a large sum to lower the balance. They are interfering with my ability to pay off my 1st and 2nd mortgage faster. I am trying to refinance for lesser time on the mortgage.

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 2021-08-31 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: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information is listed wrong and needs correcting. I sent a USPS certified letter # XXXX on XX/XX/2021, that was delivered to Experian on XX/XX/2021. As of today, my name is misspelled and my current address needs updating with the deletion of past addresses. ( See enclosed letter )

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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This debt collection has been going on for many years, at least 10, if not 11 or 12. It was a debt that was incurred by myself, and my ex wife. We did indeed incur this debt together, but the debt collectors have placed 100 % responsibility on me only. I'm not sure why I am solely responsible for this. It also keeps incurring massive interest. I do not know what to do anymore. 
I am now a retired 100 % XXXX veteran. I am hoping that this can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit nor has proof been provided that I authorized this credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a few inquiries on My report I do not recognize

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 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: U.S. BANCORP
State: TN

Complaint narrative:
I bought a visa prepaid visa gift card for {$100.00} plus a {$5.00} activation fee at Kroger in XXXX, TN on XX/XX/21. The cashier gave me the receipt and activation receipt. Later that day when I went to use the card I found out it declined. I called the provided number on the back of the card at XXXX to find out the card had never been actually loaded by the card. They advised I go back to Kroger. I immediately went back to Kroger and Kroger advised that the card was loaded properly since it did have an activation receipt. I called again the XXXX number on the visa card and they said that I could submit a fax of the activation receipt, Kroger receipt, front and back of the gift card and fax it to XXXX, which I did immediately at XXXX XXXX. They said that this occasionally happens and that as long as I had proof of activation, it would be resolved through their end ( the prepaid gift card company ). I called the XXXX number on the back of the card multiple times over the next few days and every time was told that it was being investigated by their team. Eventually, I was told they lost the fax I sent and that I need to send it again and start a new process, wait 3-5 more business days etc. I have spent HOURS/DAYS of my life now trying to get this resolved and can not keep going through this cycle of false information they keep feeding me.

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 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My electronic funds where illegally withdrawn and stolen out of my account on two separate dates XXXX XXXX for the amount of XXXX and XX/XX/2021 from another withdrawal for XXXX. I immediately filed a claim with Bank of America on XXXX XXXX right after I became aware of the illegal activity. Bank of America canceled my debit card and issued me a new one. I received a letter on XX/XX/2021. Stating that " no posting error has occurred on your account '' I then filed 2 more appeals last appeal on XX/XX/2021 and no answer. Both where denied with the same reason. I keep asking them over the phone to mail me a written explanation on why the appeal was denied and they still have not mailed an explanation. Bank of America representative just says they will mail one out and they never do. I have yet to receive my XXXX dollars taken out of my account since XXXX of 2021.

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 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few inquiries on My report I do not recognize

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 2021-08-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few inquiries on My report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received 2 emails from my bank ( Chase ) on XX/XX/XXXX indicating that I was sent to payments from my business account ( XXXX XXXX ) via XXXX for the amounts of {$1900.00} & {$2900.00} ( see attachments ). When I checked my account it appeared that money was sent from myself, but the fraudster changed the receiving account to a different email. I assume they got access to my account and changed the email so it would look like the money was being sent to myself rather to them. After numerous phone calls and bank visits Chase has told me that since the XXXX payment was sent to " myself '' that they can't do anything about it. Although that the records shows the money going to a different name and email than mine. This has cost me over {$5000.00} and more time and energy than I would have liked to spend. I've exhausted all of my options and am looking for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Payments mysteriously disappear after funds are cleared. Inaccurate accounting, misappropriation of funds. Unjustified foreclosure proceedings, the list is endless, if it has a legal definition PHH will break it. but currently I cant even find out who if anyone holds a mortgage on my property or who is my servicer. PHH is actually three companies, PHH Mortgage, XXXX XXXX and XXXX XXXX Mortgage. XXXX claimed that they transferred my loan to XXXX XXXX, but there was never any documentation filed with the county. Whenever I ATTEMPT to contact XXXX  XXXX, PHH answers. They say they can not help me because they are a separate company from XXXX XXXX. Why is PHH answering XXXX XXXX phones if they are a different company? PHH has been a complete nightmare for the entire time Ive been with them since 2003, They have done everything possible to steal my house. Please do something about PHH Mortgage and its fraudulent shell companies. I dont expect you to actually help me because no one does but if you could possibly save someone else from this XXXX show the world might be a little better place. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to Transunion on XX/XX/XXXX and on XX/XX/XXXX because they are reporting an inaccurate and inconsistent payment history under the account with " XXXX XXXX  '' and I tried to have them fix this matter, but they will not comply with the law. 

To date, it still reports me 120 days late 6 months in a row, from XXXX to XXXX of XXXX, and there is no prior dates of delinquency at all.

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 2021-08-31 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: CA

Complaint narrative:
I have two XXXX lease accounts. one of them is current, another one ( XXXX account number starting XXXX ) was totaled last year and the insurance paid it off, however, it shows charge off account with six month late payments on it. I talked with the insurance company and they told me it was their mistake and they going to fix it asap, so they sent the report to all credit reporting agencies. NO RESPONSE at all it is still in my credit report. 


Other XXXX account, which is still current and I have the car in my possession ( account number starting XXXX ) is showing 30 day late, but I don't have any late payments on it. 
during COVID lockdown I asked XXXX XXXX for payment extension, they approved me, and also told me you are not going to have any late payments on this account, but in the end, they reported 30 day late payment to all credit reporting agencies.I am struggling 5 month. I called Experian 100 times, the answer was Call XXXX XXXX to fix this, i called them more than 100 times, they like its all done don't worry about it .Untill now I have both accounts on my credit report with late payments. Please help me if you can do something I would really appreciate that.

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 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have called and disputed these inquiries because they are not mine. The credit Bureaus took one off and left 5 on. I sent the information they asked for but the credit bureaus wont help fix this problem.

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 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled

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 2021-09-01 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I was a victim of the XXXX  data breach and since then thieves have used my information to open various credit cards and auto loans. The account that I am referring to in this complaint is with Wells Fargo ; in XX/XX/XXXX a credit card was opened and continued to be used until the thief accumulated a debt of {$4700.00}. I have contacted the creditor and all three credit bureaus several times before the debt got this high in an effort for this account to be shut down and taken off of my credit report. And to no avail neither entity has taken any action but have consistently tried to make me pay for such debt that the thief accumulated over the years without making any payments. I refuse to pay for such debts that do not belong to me. I previously demanded from both the creditor and all 3 credit bureaus for a copy of the application submitted for this credit card in order to verify the identity of the individual that applied for it. All entities have denied my requests over several years in an effort to verify and close this account. This has negatively impacted my credit report for several years now. I have been unable to even obtain a loan to pursue secondary schooling. Please delete this account and all of its history from your systems and my credit report immediately. Attached I also included a certified mail receipt from previous letters sent to the creditor.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I sent a letter to Convergent requesting proof that this is my account, a written agreement with my signature. They sent me sort of papers with just phone numbers on it.

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021, Synchrony Bank ( they own PayPal Credit ) cancelled my PayPal Credit Account due to inactivity without any advance notice or warning to me. This is not good as the closing of this account lowered my credit score. Synchrony Bank/PayPal Credit should be looking out for its customers instead of damaging their credit scores. I should have gotten some kind of warning or notice from Synchrony Bank/PayPal Credit asking me if I wanted to keep my PayPal Credit Account active. This company is a joke!

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