vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Utilizing Coinbase as an exchange for cryptocurrency, I was hacked out of more than {$40000.00} USD on two separate occasions and was hacked without losing any cryptocurrencies once prior. In all three incidents, there was an automatic/unauthorized sending of all crypto currencies in my account immediately upon logging in. During the first hacking incident there were crypto conversions that were made without me making them. Further details and timelines are as follows : The following transactions occurred on XX/XX/XXXX without my consent : [ e-mail at XXXX ] You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX XXXX ( {$0.00} USD ) in network fees. 
[ e-mail at XXXX ] You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX XXXX  ( {$14.00} USD ) in network fees. 
Unauthorized Bitcoin address on XXXX XX/XX/XXXX for XXXX XXXX : XXXX The only way to receive any kind of help is through Coinbase E-mail system. There were many times that I replied to their e-mail only to get a " Non-Deliverable '' notification back. It took several other tickets for them to combine ticket numbers before I was successful in replying to their e-mail support. Needless to say, their support is almost non-existent. Their response to these malicious hacking attacks are that I'm responsible for my own security of my account, and that there is no breach, fault, or obligation on their part to safeguard customers '' accounts. I have done everything they suggested, including reaching out to my phone carrier for any security breaches to my phone ( no breaches have been made in that area ). I have not been the only that has experienced the litany of frustration dealing with Coinbase, yet they continue to operate as a business rendering no restitution to many of their customers. 

The last bit of salt in the wound is that there is approximately {$130.00} left in my account in a cryptocurrency that I can't recover because the amount is too small to transfer. I would have to add more money to my account, and then transfer all of it out at the larger acceptable amount. There is an obvious problem with this because the funds would most certainly be hacked and stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: OH

Complaint narrative:
I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XX/XX/XXXXand the next payment that they listed as past due is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I applied to Discover for a credit card and was denied. I had a Discover card in the past and never was late or misused the card. In fact Discover canceled the card do to inactivity. Now years later that I want to reapply for a credit card with them I am denied. The adverse letter that was sent in the mail states status of existing/ prior Discover card account. I called Discover to find out what this was about and the only answer that I got from the representative was that it just wasnt time for me to get a card. I didnt understand what that meant because my old account was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On or around XX/XX/XXXX of 2021 I bought a jeep from XXXX XXXX of XXXX CA. Within days it was brought back for repairs. It stayed at the dealer for 2 weeks. I complained and was told to come and get a different jeep. The dealer told me the paperwork would just be modified and updated to the new jeep I still currently drive. That never happened. The credit union who originally financed me is Golden One CU. My account number is my XXXX XXXX. Golden One CU has had proof the jeep was returned back to the dealer the day it happened, ( XX/XX/XXXX approx ). They since have been charging me for the jeep that was returned to the dealer and have refused to take me off the note. They told me it it was only a clerical error and should be fixed soon. After contacting them monthly 3 or 4 times a month.. they told me to continue to pay so my credit wouldn't be effected. I had to stop paying because I couldn't pay for both the returned and new jeep at the same time. This was about 4 months ago I stopped paying.. They have since ruined my credit, ( XXXX to a XXXX ). They refuse to repay me the 6 months of payments for the returned jeep and refuse to to do anything until the dealer pays them. This I a matter between the XXXX and the dealer not 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 2022-01-08 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: FL

Complaint narrative:
On XX/XX/2021 I sent out papers to the 2 credit bureaus ( Transunion & XXXX ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.

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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both XXXX and Equifax. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: CA

Complaint narrative:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

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 2022-01-08 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: CA

Complaint narrative:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: OH

Complaint narrative:
I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXXXXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXXXXXX XXXX  and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XXXX the next payment that they listed as past due is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: OH

Complaint narrative:
I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXXXXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXXXXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XXXXand the next payment that they listed as past due is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Card was charge off XXXX of XXXX and as of XX/XX/XXXX USAA is still running inquiries into this charged off account. This account was sent to a debt collector ( XXXX ) and when contacted, they stopped all activities and sent the account back to USAAI will have a complaint on them in another filing. 

Pursuant to 15 USC 1692c ( a ) ( b ), 1692e ( 8 ), 1692b, 1681i, i, XXXX XXXX XXXX, beneficiary am being subjected to custom and usage practices of USAA and injury has occurred.

Furthermore, pursuant to 16 CFR 433.1, 433.2 and 433.3, this was supposed to be an open-ended account and USAA failed to notify me of this or perform in this manner since the account inception in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
After I submitted my latest complaint against XXXX XXXX XXXX ( Complaint ID # XXXX ), XXXX XXXX XXXX pulled my file from Phoenix Financial Services. However, Phoenix Financial Services subsequently and immediately flagged my account with the credit bureaus. Additionally, Phoenix Financial Services marked my account as " charge off, '' in retaliation and retribution for my complaints against them. 

I attempted to resolve this issue with Phoenix Financial Services on the week of XX/XX/22 ; which yielded negative results ; because the representative on the phone disregarded my issue and stated.. " that's not our issue, and your file has been pulled from our office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi Bank has been keeping harassing me every week asking me to provide information for my checking account, and most of the information shouldn't be required for a checking account. Every time they asked for something such as SSN, employer, salary, job, office, work duties, education, houses, my parents ' info, etc. They have been harassing me every week, and I have already spent 4+ hours responding to these requests. They are violating my rights as of following : 1. A lot of the information should be private ( eg : where my father lives ) which should not be questioned for a checking account 2. I requested an explanation of this obviously excessive harassment, and they failed to provide valid reasoning and just told me it is their " periodic routine check ''. This can not be true as I have never heard anyone having a similar situation 3. I requested a privacy notice as the information I provided was private and confidential. They refused to provide such notice and even threatened me 4. They always contacted me during work hours and have wasted me 4+ hrs responding to these inquires and emails so far. I should be reimbursed for the work time 5. Every time they promised not to harass me anymore, but I usually received another harassing phone call 2 weeks later 6. Every time they called me using different numbers which are not the Citi 's number on the back of my card. I suspect they use personal numbers or unofficial call centers to spam 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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was charged {$19.00}, on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/2021 by XXXX for {$19.00} for a XXXX Service on Cell Phones I didn't own anymore. Unknown to me when I paid for the service originally they set me up on a yearly automatic payment plan. I buy a new cell phone every year and would NEVER knowingly sign up for recurring, yearly payments. I filed for a dispute with Capital One but they don't seem to understand or just deny me so they don't have to refund my {$19.00} x XXXX. I NEVER knowingly paid {$19.00} for services on a Phone I DID NOT OWN. I want my money back but Capital One is being stubborn for whatever reason. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08 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 have reviewed my consumer report and still find unauthorized inquires that I have not given written consent for Experian to furnish. This is identity theft and should be deleted.

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 2022-01-08 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: NY

Complaint narrative:
I have reviewed my consumer report and still find unauthorized inquires that I have not given written consent for Transunion to furnish. This is identity theft and should be deleted.

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 2022-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I logged into my Experian account on XX/XX/XXXX and decided to clean up some erroneous personal information. There were several incorrect addresses and an incorrect employer spelling. The system would not allow me to make any corrections, but only dispute the erroneous information. 

On XX/XX/XXXX, after disputing the incorrect personal information, my FICOXXXX scored dropped XXXXpoints. 

My initial attempt on XX/XX/XXXX, to call Experian and speak to an Experian Representative about this issue was futile. 

Finally, XX/XX/XXXX, I was able to speak to a representative at Experian. I explained my situation, and the representative informed me, " We are not licensed credit advisors, please take a look at your credit report and see what changed ''. I requested to speak with a XXXX. The XXXX also stated, " We are not licensed credit advisors, please take a look at your credit report and see what changed ''. 

I am in the process of applying for credit and need the 14-points immediately reinstated to my FICOXXXX. I have a 1 % credit utilization rate, and there was NOT a XXXXpoint drop on my XXXX or XXXX credit scores. Experian website states, if one disputes personal information, it does not affect credit scores. 

As of XX/XX/XXXX, another monthly credit reporting cycle has passed, credit utilization has increased to 2 %, but no change ( +14-points ) with my Experian FICOXXXX score. 

I need detailed information on the XXXX-point drop in XXXX score, not a form letter or statement that reads " data is pulled from multiple sources and scores vary, etc .... '', and a timeframe of when this issue will be corrected.

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 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$74.00} ) the collection opened XX/XX/2020 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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