vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Someone hacked into my Coinbase account and transferred my cryptocurrency ( XRP, ETH, LTC ) to their " XXXX '' account. It totaled {$6200.00}. I XXXX what XXXX is and its some new crypto site. Coinbase replied that they can not refund or reimburse me and it's my sole responsibility my account was compromised. They also stated there is a " specialist '' still reviewing it in separate emails. This has been ongoing for a couple weeks now and they disabled access to my account. I emailed back with the following : There has to be some kind of security or protection coinbase offers, people cant just have their money taken out and just have to deal with it. You ( coinbase ) should be able to trace back the address and account the crypto was sent to. Like I said, my accounts and logins, my 2FA authenticator app were always in my possession - I did not lose my phone or any other device. None of my other accounts were compromised. I always used the coinbase app on my phone and checked it daily. On XX/XX/19, I opened the app and it said my login was expired. I tried to log back in and couldn't. I used the " forgot password '' link and was not getting the emails from coinbase because the hacker apparently added the email to my block list. They were able to disable all coinbase emails to my XXXX account. I called support a couple times and they couldn't help. They asked me to wait to have it reviewed by a specialist and they'd get back to me via email. A couple days later, after re-verifying myself, I logged in and my crypto was gone. I shouldn't have to keep explaining this over and over again with emails back and forth. My cases were closed unresolved many times so far and I have to resubmit the same complaint to open the case again. Your ( coinbase ) site and company is not secure and easily compromised. There are numerous complaints online and reviews from people that have experienced the same thing. You ( coinbase ) should have the capability to trace it back to the address or account it was transferred into and have some type of protection or security for consumers. Coinbase should also be able to verify which device was used from what location and IP address and resolve this. I would like my money back. I will never use coinbase again after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
XX/XX/XXXX or XXXX, spoke with XXXX at Selene finance to request a reinstatement. she could not give me an exact figure but said selene would email me a reinstatement quote on monday. 
XX/XX/XXXX i called selene finance spoke to XXXX, explained to her i had not gotten an email and i was concerned about the time line. she said she could see my request, she said she would send a second request with an " urgent Flag ''. 
i explained that we had received a letter from an attorney dated XX/XX/XXXX but i was unsure as to when it arrived the letter stated that if we paid with in 10 days of letter they would forgo their fees but that letter did not have an amount. i had also received mail from Selene that was like the normal statement with an amount due and should i pay that amount? she stated that thoose questions would be answered in the email we would get. i explained again that i was concerned that we where going to run out of time to get the right amount to the right place. 
XX/XX/XXXX i still had no email so i contacted the lawyer who had sent the letter. contact via email because they only give reinstatement quotes via email or written request. 
XX/XX/XXXX law office sent email with payment which was now XXXX $ more dollars. i explained that we had. 
been trying since the XXXX to get this quote and it was friday money is due monday was there any way we could get an extension because our bank would not let us draw off the money for 7 days. she said she was doubtfull selene would do that XX/XX/XXXX i spoke with XXXX at selene about a possible extension since i still hadnot recieved an email from selene. she said they would not delay but that we could wire the money to Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I will start with the back story. In XXXX to XXXX, I owned two properties and due to limited income no renters and damage to both properties and retiring from the XXXX was causing hardship until evaluation of my current status of being XXXX XXXX XXXX by the VA. I had to make a choice keep the mortgage on the house I was selling or the house I was in, so when attempting to work with XXXX and being late, they started to put residency in foreclosure. I told them I would have the money in 2 weeks and they said too late. My choice at that time was to start Chapter XXXX proceedings but, with the intensions of dismissing. On XX/XX/XXXX I filed Chapter XXXX with XXXX XXXX, XXXX, and no other creditors. On XX/XX/XXXX I contacted my bank Navy Federal Credit Union ( NFCU ) and  explained the issue to them. I was told at the time my credit card account would be frozen, owing XXXX, and to let the bank know of the dismissal. I notified was dismissed and was told accounts would be returned to normal. During the time I continued to make my card payments and vehicle payments without delay ( XXXX for vehicle a month ). 

On the XX/XX/XXXX, I was in a car accident that totaled my vehicle. My 1st bi monthly payment was taken out and asked a delay until XX/XX/XXXX due to the vehicle being paid off. The vehicles was paid off middle just before XXXX Holidays. 

Since the amount owed of XXXX, it has been paid down to XXXX and my vehicle note has been paid off and payments were made or if not paid a late fee when but was caught up within 15 days. My credit report shows no late dues to NFCU. I have already have a holding of XXXX on a vehicle and trying to get a XXXX loan. I was told I was denied due to late house payments and a revoked credit card. I told them I didn't have a revoked card, they told me it was NFCU credit card. I was transferred to representative from the credit card section, who told me it was closed around the same time of the Chapter XXXX that as the grantor decided not to continue my card, which I was told frozen and reopened at dismissal on XX/XX/XXXX. I was further told the account could not be reopened because it was closed. Their own bank is using an account they closed and I have been on time with the payments against me for a vehicle loan but also plummeted me negative showing it a closed account for XXXX still owing like I am a bad person for any institution to loan make a loan to and limit because it is not a revolving debt to get hired within the government system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I am going to state very clearly exactly what happened. I hired a realtor when I understood I would lose my home and equity in the foreclosure. My agent worked hard and we found a buyer. We called Quicken loans and got them on board with the sale of the home. They agreed to it and were kept apprised through addendum 's and other legal binding documents including the appraisal that was financed by my buyer that the sale was moving forward. The buyers lender wanted some small repairs done but agreed to the loan however needed an additional week as they were going to send the appraiser back out to make sure the repairs were done. I payed for the minor repairs myself out of pocket, living off small amounts of income through self employment and survivor benefits for myself and XXXX  small children. With my husband passing a year and a half ago had left us in financial straits. The escrow officer as the loan was already with the title company and transfer payoffs were going forward had called on my behalf as well as my agent calling and sending addendums on the XX/XX/XXXX to request/inform Quicken Loans Account Resolution Team that it would be one week before closing and signing. I was selling my home for above and beyond what I owed my lender and had another home ready to purchase with another party worked out using the monies left. My mortgage company QuickNLoans told the Escrow Officer that they had pulled my home from Auction that XX/XX/XXXX date. Fifteen minutes later it was Auctioned. I have spoken to Qucken Loans as has my agent to resolve the issue. In my state the trustee has ten days to reverse the sale. I am being left homeless and penny less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: FL

Complaint narrative:
I HAVE SPOKEN NUMOROUS TIMES WITH EXPERIAN ABOUT THE ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX BEING INCORRECT AND THE SIX ACCOUNTS REPORTING THIS ADDRESS. I HAVE NEVER LIVED AT THIS ADDRESS NOR ANYWHERE NEAR IT. WHEN I MOVED FROM XXXX TO XXXX I PURCHASED MY HOME LOCATED AT XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. THIS INFORMATION HAS BEEN REPORTING ON MY CREDIT REPORT FOR SOME TIME NOW AND ALTHOUGH THEY HAVE BEEN TOLD THIS THEY REFUSE TO REMOVE THE ADDRESS NAD THE CREDITOR ACCOUNTS ATTACHED TO IT. THEY SAY THEY CAN NOT REMOVE IT. MIND YOU BOTH XXXX AND XXXX HAVE REMOVED THIS ADDRESS AS THEY HAVE FOUND IT TO BE FRAUDULANT. I HAVE EVEN FILED A REPORT WITH THE FEDERAL TRADE COMMISSION ABOUT THIS ADDRESS AND EXPERIAN WAS ALSO GIVEN THAT REPORT NUMBER TO CONFIRM MY REPORT FILED YET THEY CONTINUE TO REPORT FRADULANT INFORMATION.

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 2020-01-04 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: FL

Complaint narrative:
XXXX XXXX XXXX Payments reporting late when this account was never paid late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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:
Hello, I have an account on my Equifax credit report that is reporting negatively and hurting my score and ability to get financing. It is XXXX XXXX XXXX. I do not believe this is my account, so I contacted Equifax on at least three separate occasions asking for more information about this debt, under the FCRA section 609, which specifically states that a credit reporting bureau needs to give me some sort of proof of my original contract or other identifying information showing that I had an agreement or debt with this company. By law, Equifax is supposed to get any information about this debt from the company and then give that to me. After at least three attempts to get any information about this debt with XXXX XXXX XXXX, they have yet to provide me with any information showing this is my debt. All they keep writing to me is that this debt remains verified. I am not asking for verification. I am asking for original documents that they by law have to give me, under FCRA 609, proving that this debt is mine. They are still reporting negative information on my report and it is causing me emotional and financial harm. They are blatantly breaking multiple laws under FCRA. If the validity of the account at XXXX XXXX XXXX can not be determined, then it must be deleted. I want to hold Equifax accountable and in contempt of these laws, and make sure that justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Payments reporting late when this account was never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: MS

Complaint narrative:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: MS

Complaint narrative:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.

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 2020-01-04 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
So I pulled my credit report around XXXX XXXX 2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XXXX XXXX 2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: ProCollect, Inc.
State: MS

Complaint narrative:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need 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 explanation
Consumer complaint received 2020-01-04 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: GA

Complaint narrative:
I recently checked my credit report to only find several inquires on my report that is not mine and they need to be removed. They were fraudulently applied. I also have several addresses that are not mine and needs to be removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/1989 I opened an account and never used 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 2020-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sent {$150.00} to my niece in the XXXX thru Remitly on XX/XX/XXXX. Until now XX/XX/XXXX of XXXX, she has not received the money which was promised to be given to her within minutes after sending. I tried to reach out to the company from here in the US and my niece tried to reach out to them in the XXXX. The so called customer team keep saying they will look into it but until now nothing has been done. Numerous calls and e-mails were also made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marine One Acceptance Corporation
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation