vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Please get her some help with this. She really did attempt to get help from Coinbase. This all started with an offer from XXXXXXXX    to get a special deal. She has not been able to get any help from Coinbase even though they assigned case numbers several times. I fear that she has lose {$50000.00} or so in XXXX  and maybe even more from her checking account at XXXX XXXX which is tied to her XXXX account. Additionally, after exiting from her CoinBase account it showed only a {$3.00} balance. 

XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and needed one on one help with my {$50000.00} +/- Coinbase Cryptocurrency account and tried several times on the Coinbase Account site but could not find any one on one help. Then I went to XXXX and put in CoinBase Support and a site popped up and the phone number was XXXX. XXXX was able to do all the things I needed but toward the end of the session, to put everything back correctly on my Coinbase account they needed to make a {$5000.00} dummy transaction deposit from my bank to Coinbase, which would be refunded back to me in 5 days. At this point I got very skittish. He had been remotely in my Coinbase account and was connected to my bank by my coinbase account. I told him I couldn't do the {$5000.00}, why couldn't I do less. He said I had a Premium Account and {$5000.00} was the least I could use for the dummy deposit. I told him I'd have to think about it and would call him back tomorrow. He said no problem, but when he logged off, I realized my Coinbase account only had {$3.00} and some cents left in my coinbase wallet!! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have filed a complaint about Experian 's fraudulent credit reporting and now Experian is retaliating by lowering my credit score from XXXX to XXXX even as my credit and debt levels have declined significantly in the same time. I have paid off debt over the last 18 months and when I applied for a home refinance mortgage, which I have now received, I complained because Experian showed me a credit score of XXXX and showed my bank a credit score of high XXXX 's. I complained and without any change in my credit Experian has lowered my credit score two months in a row even as their information about my lower no debt levels have been used to justify lowering my credit score. 

The reason given in my credit score is " credit utilization ''. Basically, I had credit cards but no longer use them. I have a HELOC but the balance is going down. When my Refi kicks in and my HELOC is paid off I assume that Experian will decide that my credit score and credit utilization will result in credit dropping to XXXX?????? Is this really what a credit reporting agency is suppose to do when consumers improve their credit during the greatest depression on earth? Is this how credit agencies are suppose to act after promising to show constraint in the media? 

Experian is the only credit reporting agency that is promoting lowering your credit score using a promotion on TV called Boost. It is a  fraudulent ad that should be free to consumers who provide their own credit information to Experian to boost their score but in fact have to upgrade their account to receive it. This is FRAUD AND IT WILL NOT ACCEPT THAT THIS IS LEGAL. I WILL BEGIN TO FIND A CLASS ACTION LAWYER TO FILE SUIT AGAINST EXPERIAN FOR FALSE ADVERTISING AND BEGIN TO PUBLICLY SHOW THE FRAUD OF THIS FIRM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am a victim of identity theft, however I went through everything far as paying to have my credit repaired.. starting over and credit freeze and whoever stole my identity is still using it .. Ive dispute so many items on my report that I had no knowledge of it was a shame. Inquires I cant get anything in my name! I cant get a bank account XXXX car loan home loan XXXX an even a background screening without being turn down. TransUnion suppose to handle the situation and havent. What do I suppose to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am having an issue with both Capital One Auto Finance and XXXX. I had an auto loan with Capital One back in XXXX. I filed for XXXX XXXX Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my XXXX credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that Capital One left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and Capital One and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
on XX/XX/2019 My Wife had her Hours Cut back and I had taken the car in for warranty and ended up paying almost XXXX in repairs this all caused me to miss my XXXX payment So in XXXX I contacted the lender Loan-Depot advised them of the difficulty and Made My Payment For XXXX this put me one month behind I was still due for XXXX in late XXXX a VA lender Contacted me by Phone XXXX was his name he Offered a VA Stream Line loan for XXXX 2.99 % Payment of XXXX XXXX this would lower my payment by XXXX a Month this was A scam and it cost me XXXX So called loan-depot and talk to the mitigation Depart That sent me a Loan Modification Application Witch Filled out & Fax it back to them I was told that it would be 30 days before I hear any thing on XXXX 2019 I was told that I was denied due to the fact that I did not have XXXX payments on the loan I was told to contact My VA rep Called her and She informed me all they needed to due was send a letter Asking for a Pre approval Letter and they need to refer to Va Handbook MA264 Chapter 6 it clearly stats that what they can do or not do this is they fail to Fallow the handbook I then called loan-Depot and informed them and was told to File an Appeal on the grounds that they need to get a Pre Approval letter and would be able to do the Loan Modification It was denied XX/XX/2019 XXXX is the VA Loan servicer and loan-Depot is the VA lender Both knew about the VA handbook MA26-4 I also have Contact Atty.and sent complaint to XXXX XXXX XXXXXXXX and it will be sent the under sec.of the VA for Investigation filed complaint with the OCC for cenlar, s Action as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
On XX/XX/XXXX I applied for an Amex Delta skymiles credit card the application was denied and when I see the reason, they used last month credit scores. Their systems says they retrieve all the data on the 18s of  each month. Keeping in mind its the 24 I applied because I paid out a debt and my score went significantly up. I then decide to apply for this card 6 days after they get the information to my disappointment they still used last month credit info. I contacted them and talk to XXXX at AMEX and I explained the situation later he says they don't offer credit improvement service. I felt offended and ask to file a claim/complaint, XXXX refused to do so. Then I decided to file this complaint because that is unacceptable behavior, from insulting me to not accepting my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CA

Complaint narrative:
I am having an issue with both XXXX XXXX XXXX XXXX and Transunion. I had an auto loan with XXXX XXXX back in XXXX. I filed for XXXX XXXX  Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my Transunion credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that XXXX XXXX left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and XXXX XXXX and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent 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 non-monetary relief
Consumer complaint received 2020-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity was stolen and someone opened a checking account at Bank of America Bank of America XXXX # XXXX Acct # XXXX I disputed this with Bank of America and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information Bank of America was deemed accurate. This is on my credit report as well as Early warnings report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Early Warning Services, LLC
State: CA

Complaint narrative:
My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information XXXX  XXXX XXXX was deemed accurate. This is on my credit report as well as Early warnings   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with XXXX XXXX and they said that the information XXXX XXXX XXXX was deemed accurate. This is on my credit report as well as XXXX XXXX   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Google Compare Credit Cards Inc.

Complaint narrative:
I have been charged for XXXX EUR on XXXX of XX/XX/2020 by Google at midnight for the use of Gloud Platform. 

As far as i understood after a long search, the charge was an extension of a trial period. 
I have never been informed by any means ( for example email ) that the trial period has been ended and that the billing process will begin. I have never took any indication based on the trial period so to estimate the charged amount and i have never received a notification for the invoice. 

So i was searching for 2 days alone to find what happened. I have tried to contact with Google. The only way that i have found was via a form where you can put the claim. I received a negative answer without any analysis close to the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Tried numerous times contacting card company since XXXX No response, not answering phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony financial closed my Care Credit account a few weeks after the Covid-19 pandemic started. Because my credit score was in the " excellent '' range, and because my " on time '' payment history on all debts was 100 %, I attempted communication with the company on 3 different occasions. I was told that recent activity on the account suggested risk of nonpayment. Synchrony proceeded to close down my XXXX 's store account as well as my XXXX XXXX account a month later. This has had a negative affect on my credit score, and their stated reason for doing this still does not make sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im writing because I was scam on my 2 debit card from Chase bank and XXXX XXXX XXXX. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with chase bank and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Im writing because I was scam on my 2 debit card from XXXX XXXX   and Bank of America. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with XXXX XXXX  and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
There stating on my report where everyone sees that I owe this money to sandtander well that's not true I sent it back an also XXXX I never ordered that I've had people call me up an ask me if I ordered XXXX  I've never have an I'm XXXX an I don't want this XXXX other people got my social security number from some where cause 2 yrs ago I had a police officer tell me over the phone that I did something wrong then realised how could I have if I'm in XXXX an this happened in XXXX XXXX an I was in XXXX  for a XXXX so yeah I want this stuff off my report I'm tiered of this I can't get any thing I'm so angerie so I'm telling u that the names also on the report I no how to spell my name this is rediculise I'm embarrassed of this XXXX but I shouldn't be I didn't do this I want it off my number is XXXX XXXX call me tell me what's happening XXXX im innocent .thank u XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: VA

Complaint narrative:
I can not reach TransUnion to dispute inaccurate accounts in my credit report. I have tried by phone and through their website which does not work.

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