vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-13 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-13 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have a Coinbase account, username XXXX XXXX with the email of XXXX, through which I hold and use a Coinbase debit card. The card is issued by XXXX. Users are instructed to not contact XXXX directly for any issues and are to contact Coinbase support only for any issues. 

On Saturday XX/XX/XXXX that card 's information was stolen and used for two fraudulent transactions. 

Transaction # 1 was made at XXXX EDT at XXXX XXXX XXXX for the amount of {$120.00}. 

Transaction # 2 was made at XXXX EDT at XXXX XXXX XXXX for the amount of {$100.00}. 

Transaction # 1 dropped my available balance below what was needed for transaction # 2, so transaction # 1 went through but transaction # 2 did not. 

Upon being made aware of these transactions I called Coinbase Card support at XXXX at XXXX EDT on the same date. 

It took me a little over 12 minutes to get Case # XXXX opened and was told that my account issues would be rectified within 10 business days. I received an email at XXXX EDT confirming that my case had been opened. 

The following morning of Sunday XX/XX/XXXX at XXXX EDT I provided screen shots via the email thread showing the two fraudulent transactions. I then received an email that stated my case was being worked by a specialist later that afternoon.

I have received no further response from Coinbase support and my account has yet to be reimbursed or have the transactions stricken from it. 

I have sent a total of 9 follow up emails requesting updates along with reaching out to Coinbase support via XXXX under the user name of XXXX. All subsequent emails have never been answered and all posts on XXXX have been responded to by Coinbase stating that someone will reach out to me shortly, which has yet to happen. 

The only emails that I have received from Coinbase since Sunday XX/XX/XXXX and the time of this writing have been promotional emails and emails confirming me removing my assets from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I notified Convergent Outsourcing to cease communication and informed them of invoking my consumer rights pursuant to 15 USC 1692c ( c ). They have violated my federally protected consumer rights.

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 2021-12-13 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 explanation
Consumer complaint received 2021-12-13 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My XXXX score for this my mortgage company was reported to ve XXXX I have never missed a mortgage payment ever in the 11 years I have had it. It could also be that XXXX needs to be corrected as well because I never miss my credit card payments so this is the wrong score

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 2021-12-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Georgia Dear AMERICAN EXPRESS, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The inquiry shows that on XX/XX/XXXX, a hard inquiry was made. This is a hard Inquiry and hugely affects the good standing of my credit account. Please remove this inquiry from my report as I have no knowledge of it and dont see an account that its connected to on my report. 
I have attached a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a secured card with citi in early 2017. The terms stated it would be for 18months. It was then extended another 12months. Fine. I understand that in the terms my deposit does not generate any interest to me, only to citi. Fine. They have since extended the terms for 4 years and are letting me know that they will be extending it for another 12. I contact customer service and they are useless, I can not even get them to give me the original date I opened the account. They could not even provide me with the address for the executive office, I have to resort to contacting and filing a complaint via the consumer finance and XXXX I  have a Citi account with Bloomingdales as well and I am ready to stop giving them my business. I have never made a late payment but I guess that and my account is not important to Citi.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Deposit {$1400.00} was made by another person my Wells Fargo checking account on XXXX XXXX. A few days later XXXX XXXX Wells Fargo sent me an email message that they are putting the deposit on hold until XXXX XXXX. I contacted Wells Fargo, who claimed insufficient fund to clean check. Even though the {$1400.00} was removed form the other person bank ( XXXX ) XXXX XXXX,2021.A statement sent to my buy the person who made the deposit.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX RE : COMPLAINT AGAINST BANK DEBIT CARD : VENMO / PAYPAL MY CARD NUMBER # XXXX ( THIS IS MY NEW CARD ) EXP XX/XX/XXXX UPON REVIEW OF MY STATEMENT IN XX/XX/XXXX I FOUND THAT I HAD TWO UNAUTHORIZED CHARGES- THAT I MDID NOT MAKE, NOR AUTHORIZE, NOR RECEIVE ANY SERVIOCES, GOODS, PRODUCTS, ETC FROM. 

IN TODAYS TIME AND WITH ME HAVING XXXX AND ALREADY BEING OUT OF WORK AND IN THE XXXX THIS IS WRONG TO HAVE MONEY TAKEN OUT OF MY ACCOUNT AND YET VENMO DOES NOT HAVE ANY CONCERN OR PROCEDURE TO STOP THIS FROM HAPPENING. RETURN MY MONEY, REVERSE THOSE CHARGES, ETC. 



I FILED NOTICE TO VENMO IN WRITING ON XX/XX/XXXX ABOUT THESE TWO CHARGES ONE FOR {$120.00} AND {$37.00} AND I DID IN FACT GET A VERIFICATION LETTER BACK STATING THEY RECEIVED MY REQUEST AND WPOULD PROCEED TO CLEAR THIS UP. 

NOW IT IS XX/XX/XXXX AND IT HAS BEEN 45 DAYS AND NOTHING HAS BEEEN DONE? THIS IS WRONG, BEING THAT THEY ARE A LICENSED BANK IN THE UNIOTED STATES AND THEY JUST DONT CARE? 



I AM REQUESTING TO REVERSE THOSE CHARGES AND PERSUE THE VICTIM I NEED MY FUNDS BACK PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: DE

Complaint narrative:
I have auto pay setup for my upgrade.com credit card. For the past two months, my auto payment goes through and a day later I get an alert that i owe few dollars. The auto payment is automatically set to deduct the minimum amount due. 

A day later my account shows an outstanding balance of a few dollars. I go ahead and pay it ; The account page then shows i owe XXXX cents. This has happened for two months in a row. I called last month and could not get through. I called yesterday and sat in queue for 35 mins only to have my call dropped. I have emailed the company last month and this month. I get an auto reply stating they will review and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX listed me as a co signer on a loan for 3000 and I have dispute with the lender this loan. Her and boyfriend XXXX also overdrawn my checking account at this bank. I have made several effort to correct this spanning well over 30 days and recent contact with the bank they have no idea what I am talking about for updates on the progress. An attempt to deposit the money into my account failed as her name is not a joint account holder. Please have my name detached from the loan, and investigate the money stolen from the checking account. Please reply by both email and mail. I can not afford a phone at the moment. XXXX is my boyfriend phone. Also someone possibly them are stealing my mail and packages at the door. There are 3 missing reissue XXXX checks that were stolen late last week possibly by them as well.

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 2021-12-13 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: LA

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Im in the process of trying to refinance my home. My credit report says the property is in foreclosure. I contacted Shellpoint mortgage servicing, spoke to XXXX, and she can not explain why. I have attained a mortgage verification letter from shell pointe, stating that Im in good standing, not delinquent and have not been late in the last 12 months.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TN

Complaint narrative:
I get 2 to 6 calls a day, all day from this company for a medical dept I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: TX

Complaint narrative:
In late XX/XX/XXXX, our tenant said they were closing their business and would be out of our warehouse by the end of the month. On XXXX XX/XX/XXXX, I spoke to the tenant and told him that the equipment was still in the space. The tenant communicated that the bank wouldn't provide bank info and would contact me to pick it up. Finally, on Thursday, XXXX XX/XX/XXXX, XXXX XXXX XXXX from US bank contacted me about this equipment. I communicated that I have no problem letting the bank have the equipment, but the bank will pay for the storage time to remove the equipment beginning Monday, XXXX XX/XX/XXXX. The bank has failed to provide me with a copy of the Landlord Lien Waiver that the leased space owner should have signed. I never signed such a waiver, nor did I know the tenant had leased equipment in the space. Banks are required by law to have such waivers signed. I followed up with the bank on XX/XX/XXXX and XX/XX/XXXX. Finally, on XXXX, US BANK responded on XXXX XX/XX/XXXX stated this had been turned over to a XXXX party lawyer in Texas who is claiming we're holding equipment ransom. I have sent the lawyer an emails, phone calls and certified letters. We have requested the bank pick up the equipment, and it's still in our warehouse. I am unable to lease our unit because of storing this equipment. We just want the equipment removed. How long do I have to store this at no charge. the US Bank is not taking due diligence in retrieving their equipment.

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 2021-12-13 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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