vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX ( Now recently name changed to XXXX ) The bank claims they are for XXXX XXXX Banking and can do what all other banks can do. 

THEY COMPLETELY COMMITTING MARKETING FRAUD. 

Illegal practice that makes false or misleading promotional claims for financial gain via their account representatives who are misleading and on their website and social media marketing materials. They are not a SMALL BUSINESS BANK. 

After opening an account... I found out that you can not deposit CASH or Checks from customers into your account AT ALL. 

I was told to give out my banking account information and routing number to each of my customers as a solution. THAT IS VERY DANGEROUS to tell new small businesses and would open them up to MASSIVE THEFT opportunities. 

They are committing marketing fraud claiming they are a small business all solution bank as they clearly are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello good afternoon, my complaint is for the web COINBASE.COM. 
I have had the account since 2017 and always verified .... a year and a half ago they restricted my account and I was like that until 3 months ago that I wrote to you and it was solved for a short time because now I have been with the account again for 2 months and on its own website it says that I have all the data verified ..... I don't know what to do anymore. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2021-11-29 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: Block, Inc.
State: CA

Complaint narrative:
I have come to the conclusion that Cashapp is both negligent in their security and allowing my financial information to be sold and distributed to scammers. Not only is CashApp the only financial account that has been repeatedly been compromised, I have yet to get a clear answer as to why and how the debit card they issued and hasnt even been delivered to my address yet is being defrauded. 

I had noticed that multiple transactions were attempting to go through from obviously fraudulent sources ( ex : {$320.00} from a XXXX in XXXX Florida, {$30.00} from an entity titled XXXX XXXX ). For reference, I have never been to Florida and have lived in XXXX, California for the past year. I officially changed all my bank sign in information, including the PIN and password for Cashapp and reported the debit card as stolen on XX/XX/XXXX. I received confirmation that the debit card was canceled and a new one was being processed, so I assumed that with that confirmation from CashApp my account was secured again and was fine to remove the freeze on the card. On XX/XX/XXXX I received email confirmation from CashApp that the new debit card had shipped. On XX/XX/XXXX an entity claiming to be a XXXX in XXXX XXXX put two fraudulent transactions on the same debit card that was in the mail and yet to be delivered, {$150.00} and {$48.00} for a total of {$200.00} stolen from a debit card that was allegedly still in the mail. I immediately reached out to their support team and found them extremely lacking and unprofessional, there is not direct phone number so my case was reduced to chatting 5 different people and repeating the same information, they said all I could do was wait for them to respond within 10 business days. I have finally received an official acknowledgement of my case # XXXX, but they have not responded with how or when theyll return the funds and make sure that their system isnt compromised. Its extremely frustrating when a substantial amount of money is stolen electronically with information that I havent even received yet, and the XXXXashApp support team did nothing to soothe my anxiety or provide a solution. I dont understand why my CashApp debit card is being defrauded when my XXXX XXXX  XXXX account is fine, Ive only experienced fraud on my XXXX account once and it was immediately rectified. Which is why Ive arrived at my conclusion that it must be negligence on CashApps part, Ive never dealt with a financial institution that doesn't make a potential security breach and fraud a priority. My hope is that by filing this complaint CashApp will return the stolen funds as soon as possible and receive the pressure it needs to stop this criminal negligence and strengthen their support team so they can assist with the fraud that theyve allowed to run rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Update : XXXX took one small action to address the Identity Theft related hard inquiries on my report. EQUIFAX XXXX XXXX FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, Equifax, XXXX and their executive branch, the Consumer Data Industry Association , which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or Equifax. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This criminal cartel must be SHUT DOWN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NY

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was supposed to stay at the XXXX XXXXXXXX XXXX in XXXX from XX/XX/XXXX - XX/XX/XXXX. My trip was from XXXX, XXXX, to XXXX. 

On XX/XX/XXXX, the XXXX XXXX told me I'm unable to enter XXXX due to a lockdown. See news : https : XXXX. Immediately, I called the hotel in XXXX and XXXX to ask for refunds. I was given by XXXX hotel, but not the XXXX XXXX hotel in XXXX. Because of the lockdown and my train tickets, I was unable to leave XXXX to go to XXXX and hence, was unable to enter XXXX. Going to XXXX would require me to pay additional fees or an extremely high-priced plane ticket. The hotel refused to refund me due to an unexpected lockdown that prohibited me from traveling there. 

They refuse to give me my {$340.00} back. 

I have filed a billing dispute with Bank of America. After speaking to their customer representative, they told me the merchant was still fighting the refund and the representative did not assure me the dispute would be resolve in my favor. They seemed to side with the hotel despite the fact that I was locked from entering the country via the train I was supposed to travel on. I also told the representative I had proof of documentation, but said I could not upload it or send it along. I'm very worried Bank of America won't be in my favor on this issue and want to express my concern. The call with the customer service representative did not put me at ease and they did not communicate that they would advocate for me despite the fact that I was affected by the lockdown and hence could not travel to XXXX. 

I need my {$340.00} back due to an unexpected circumstance, as described above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
I have accounts on my credit reports, I called Experian and and advised that i have tried contacting XXXX XXXX XXXX XXXXr and XXXX XXXX to request a copy of my signed application when the account was opened and they stated that they don't need that to put it on my credit report, I advised that these accounts are not mine to send proof and they stated they don't have any proof just want the creditor is telling them.

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 2021-11-29 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: Monevo Inc
State: MS

Complaint narrative:
unknown inquiries on my credit report without my knowledge or consent XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
unknown inquiries on my credit report without my knowledge or consent XX/XX/2019

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: MS

Complaint narrative:
The Debt Collector GC Services is collecting on a Fraudulent account that is not mines and is violating FDCPA laws that are supposedly designed to protect me as an original creditor. 

Them and XXXX XXXX are acting against my rights and defaming my character since I can not get a mortgage and enjoy XXXX holidays with my family. 

Stop this fraudulent activity to help me have a happy holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I called Hyundai Finance on XX/XX/21 to move my due date to the XXXX or XXXX of each month because Im having a medical emergency and Im getting pay every XXXX weeks, I cant pay on time. My regular payment is on XX/XX/21 which I cant pay on those dates. I try to talk to this company and they told me to pay the late fees they can not do anything for me. Im calling them in good faith and also I dont want to pay late fees and to go in my credit report. They did not care, customer service was very rude and basically told me to pay the late fees. I think is unfair and they should work with people that are trying to pay their bills. I called this same company XXXX months ago and they did moved my date. I dont know why they are not doing it now.

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 2021-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
On XX/XX/2020 I had the SOS Group ( Original Debtor is XXXX XXXX XXXX ) put a number of delinquent accounts under collection on my SSN. I moved in XX/XX/2020 and even after filing a change of address, I did not receive the collection letters. As soon as I did receive them, I paid off the collection immediately. 

I worked for a company named XXXX XXXX. I had insurance through them and the company was sold in 2020. The insurance switched over to the new company, XXXX. The insurance company changed from XXXX to XXXX XXXX XXXX XXXX. 

XXXX has been sold as well to XXXX. I have tried contacting someone on this and they tell me to contact the debtor. SOS Group tells me to contact XXXX XXXX. XXXX told me the account shows paid but when I apply for credit, I am being denied due to collections. I pay all my bills on time and pay my credit cards off monthly. I do not work with that company anymore. Since the buyouts, I think I may have fallen through the cracks with my complaints. My bank told me to contact the FTC. 

What options do I have available to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have previously filed a complaint with CFPB, XXXX and with Chase. They told CFPB that they refused my fraud claim due to similar IP address although I just called and tey told me over the phone that they refused my dispute due to the fact I was able to login and access my account and because I made payments on the account which is not the same reason they gave CFPB. 

It is obvious that Chase is trying to use tactics to instead abuse their clients rather than adhere to the laws and benefit their customers in a clear fraudulent case. I will be attaching the voice recording to this complaint. 

It seems that Chase is blatantly trying to avoid being held responsible for their lack of security and trying to place the down fall of it on their customers rather than protecting them. 

I hope that CFPB takes this serious and helps to keep the consumer protected. 

PS : It says I can not upload documents over 10 mb and my audio recording is over 10mb. 

I can send this via email if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
Coinbase refuses to return my XXXX crypto currency that remains under the key it controls. Coinbase refuses to return my crypto, which is an XXXX XXXX. In XXXX, 2021, I withdrew my XXXX  token from XXXX and sent it to Coinbase 's XXXX Tether address. Coinbase does not have an XXXX address, which means they should send it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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: IL

Complaint narrative:
FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX XXXX accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-29 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: OH

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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 explanation