vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had my wallet stolen on XX/XX/18 and the person went to several restaurants and a store and a gas station and spent over XXXX dollars. Chase originally refunded me and then almost a month later they charged my account back again. 

1XXXX XXXX XXXX XXXXXXXX {$100.00} 2.XXXXXXXX XXXX XXXX  {$200.00} 3.XXXX XXXX XXXX  {$48.00} 4.XXXX XXXX {$130.00} 5.XXXXXXXX XXXX XXXX {$80.00} 6.XXXXXXXX XXXX {$23.00} 7.XXXX XXXX {$13.00} 8.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
Information on my credit report was not validated in time 45 days after sending multiple dispute letters to the credit bureau. The Fair credit reporting Act was violated

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 2021-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This is regarding our crypto trading account on Coinbase ( Pro ) : XX/XX/XXXX : I initiated a deposit of {$3000.00} from our savings account at XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I got notified from XXXX XXXX XXXX XXXX that an attempt to withdraw {$3000.00} failed with a {$35.00} charge. I deduce Coinbase tried to get the money from XXXX XXXX XXXX XXXX account, due to insufficient funds the {$3000.00} transaction were denied ( bounced ). 
XX/XX/XXXX : I got an email with a link to try again. Ensuring that there were sufficient funds, I transferred the {$3000.00} using the link with the email. 
This transfer was successful. I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' XX/XX/XXXX : I got a notification from XXXX XXXX XXXX XXXX that there was a pull that failed and I would be charged {$35.00} again. I deduce that for some reason, again Coinbase tried to get the money from XXXX XXXX XXXX XXXX account. 

XX/XX/XXXX : At XXXX XXXX  I got an email with a link to try again, saying that it was our {$3000.00} request from XX/XX/XXXX that did not work. From the screen shot it shows that at XXXX ..., XXXX withdrawals of {$3000.00} were taken out of our account and one withdrawal of crypto currency of {$3300.00}. At XXXX XXXX  I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' I realized the above happenings of XX/XX/XXXX after I logged into my Coinbase account a few hours later and noticed the big drop in portfolio. And also that a new bank account ( XXXX ) had been added to my account without the necessary 2-factor authorization. I removed it and then immediately contacted Coinbase and asked if my account had been hacked. They sent me through their standard procedure of verification. I did all the verification and found that nothing of mine had been hacked. I observed the emails received from Coinbase on XX/XX/XXXX ( {$3000.00} ) amount and the withdrawals from our account all {$3000.00} amounts. I then inquired with Coinbase whether was it possible that these withdrawals were made in error by Coinbase. My account was then frozen and since then no response to repeated requests have been answered. The 6 withdrawals have not been returned, nor do we have access to our account. Dozens of email requests, complaints, tickets, ... have had no response. On XX/XX/XXXX my portfolio prior to the withdrawals had approx {$42000.00}. 
I also submitted a complaint directly to Coinbase on XX/XX/XXXX. On XXXX they said they would need an additional 20 days to look into this. 

Appreciate any help you can provide to resolve this matter. We have been helpless for over a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
Unauthorized use of my credit report. this company sent me a letter saying they would remove these accounts, but they are still reporting to my credit report.this is very misleading and deceptive to me the consumer Please remove these accounts from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to XXXX, XXXX, and Equifax. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
Information on my credit report was not validated in time 45 days after sending multiple dispute letters to the credit bureau. The Fair credit reporting Act was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: ME

Complaint narrative:
This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and XXXX refuses to remove

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to TransUnion, XXXX, and XXXX. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently ended my membership with Experian, because its a ridiculous concept to pay someone who virtually stalks me. Now there is a constant banner in the app for XXXX that reads When your subscription ends in __ days, youll no longer be able to lock or unlock your credit report. With a large button underneath labeled [ Keep your subscription ]. 

Its a deceitful sales tactic to push people into maintaining a paid-for membership with them when legally if you ask them to freeze your credit report, they have to comply - free of charge. Its predatory, its misleading, and its wrong.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Each month since XXXX, I began paying monthly payments to XXXX XXXX XXXX for a car loan, Ive been hit with a remark by the company which affects my credit score by 89 points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Each month since XXXX, I began paying monthly payments to XXXX XXXX XXXX for a car loan, Ive been hit with a remark by the company which affects my credit score by 89 points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is XXXX XXXX XXXX ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is Wakefield ( Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is National Credit Adjusters ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is XXXX XXXX Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't recieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: 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 2021-07-08 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: IL

Complaint narrative:
The information listed on this identity theft report does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I XXXX XXXX received a summons from PORTFOLIO RECOVERY ASSOCIATES for an alleged debt on XX/XX/2021. According to the Fair Debt Collection Practices Act 15 USC 1681. ( a ) ( 4 ) I as a CONSUMER have the right to privacy. And I XXXX XXXX have been violated. 15 USC 1692c ( a ) PORTFOLIO RECOVERY ASSOCIATES did not have my written permission to furnish any information on any consumer report nor did I give them the address to my residence. To date PORTFOLIO RECOVERY ASSOCIATES has not VALIDATED any information I the consumer have requested. 15 USC 1692e ( 10 ) PORTFOLIO RECOVERY ASSOCIATES continues using deceptive means in their attempt to collect this alleged debt by sending paperwork to different address ' to delay my receiving and replying in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent out my dispute letter on XX/XX/XXXX which arrived later due to the mail on XX/XX/XXXX which Transunion signed for. In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are negatively impacting my credit report. Transunion has failed to respond within the 30 days allowed or send me any updates about my dispute. I sent them over evidence for both accounts showing that XXXX  XXXX  isn't my account and I have no knowledge of it, which was removed from XXXX. I also sent them evidence for my auto loan which they have listed as 2 late payments and repossessed. And the same for XXXX that it is being reported inaccurately. The account is incorrect in their records and I have shown them my report from XXXX  that clearly shows I am current and no remarks are present. I AM HIGHLY UPSET AND DISAPPOINTED THAT IT HAS COME TO THIS POINT! I've tried reaching out to XXXX myself to validate the debt and they haven't sent me any evidence proofing that I owe this debt, and Transition hasn't provided any documentation. I can't qualify for a home loan until I GET THIS RESOLVED

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Global Lending Services have ruined my life and I'm will become homeless in a matter of days due to their billing practices with extra fees and reporting to the credit bureau. Even after taking out extensions and making payments they still report payments as late to the credit bureaus. One month payment was made XXXX credit reported current next day reported I owed XXXX in payment and fees. Paid this amount because we are having to buy or rent a house. After paying this few days later Global Lending Services reported I owed XXXX and the total bill would be XXXX. I paid XXXX because again I can not afford my credit score to go any lower. The payment was made on XX/XX/2021. Global reported I was current but report another late payment on the same day I made the payment. I went on to their website and then saw that my XX/XX/2021 payment showed nothing owed and we paid ahead. I have disputed but Global Lending comes back with verified but still won't disclose what misc.1 fee is to me. What I do know is that Global Lending Services has ruined my life. I don't understand how a company can go around doing this to people and I know I'm not the only one this has happened to but when is it happening to you all you can think about is what am I going to do? Where am I going to live?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Since XXXX I have not been able to access my account. I sold some crypto and tried to get the money into my bank account. My efforts for the past five months have failed. The support group simply dismiss my complaints. Further to this they Coinbase, have attempted to withdraw XXXX euros from my bank account. Im so glad that my bank blocked my account each time. Surely this is serious FRAUD. Thank you

Company response to consumer: Closed with explanation