vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX credit card appeared on Equifax then disappeared in XX/XX/XXXX. My pay receipts say I paid a credit card in full, on time. I wouldn't have a credit card unless to build my credit. Most if not all banks report a credit card to the credit agencies. Evidence available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I did not apply for anything with US auto sales, I was never in the market for a car and Im still not in the market for a car, so why am I seeing inquiries from auto companies. Please remove and block this information.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
Professional Placement Services , LLC Is reporting a debt as closed on my credit report. This debt was recently paid in full to the ORIGINAL CREDITOR in exchange for agreement to remove from XXXX XXXX report, and all three credit bureaus. Therefore Professional Placement Services , LLC should not be reporting anything to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I logged in to my crypto currency account with XXXX XXXX  and discovered all my crypto currency positions were gone. I reported this to XXXX and on XX/XX/XXXX they locked me out of my account. When they locked my account they instructed me to perform a number of security measures which I have done ( in fact, several times ). I have attempted to contact them 5 times over the past two month as well as tried to log back into my account several times. They have not responded and I remain locked out of my account. There is no way to speak to anyone. The only option is by email at help@coinbase.com. The crypto currencies were Bitcoin BTC, Ethereum ETH and Litecoin LTC. The approximate total value of my positions as of the close on XX/XX/XXXX was {$8400.00}. Since they have not responded and/or unlocked my account in over two months and have continued to lock me out of my account even though I have performed all the security measures they requested, I can only assume XXXX is complicit in the theft of my crypto currencies. Please investigate this crime. I have no other way to pursue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase credit card XX/XX/XXXX was on my credit reports, shown as paid, on time then removed from my credit reports. My receipts showed I paid a credit card. The reason for my use of credit card is to build credit on the reports. Most if not all banks show credit card activity on credit reports. Evidence available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I had a cash app acct w squareup.com under user name XXXX XXXX link to email XXXX and phone number XXXX. My account was compromised from my stolen phone and a XXXX XXXX made 2 fraudulent and authorize transactions on my cash app acct in the amount of XXXX $ and XXXX $ on XXXX. With cash app fees XXXX $ took from my XXXX XXXX account ending w now cancel debit card XXXX # Cash app Customer support agent XXXX XXXX. Did not understand or did not care. Agent XXXX since re open my case of fraud w cash app. I'm waiting for an answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I wanted to trade my BTC on XXXX, so I have opened an account on XX/XX/XXXX and it is still not verified. I have read online that is a common problem and many users wait for verification for up to several months. I am not sure if the company is working on it. It is a very inconvenient situation for me. Hope it will be fixed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has acquired a debt I incurred with XXXX XXXX. I believe this is for a XXXX credit card account with XXXX  as the issuing bank. 

Due to loss of job and income shortly after the Covid epidemic began, I have been living entirely on Social Security for the past year. This is subsistence-level income and has caused me to default on debts that, until a year ago, were up-to-date. ( My credit score a year ago was around 775. Now it is below 500. ) In a letter dated XX/XX/2021, Midland gave me until XX/XX/2021 to settle the XXXX account or face " possible litigation. '' The amount demanded by Midland is {$7700.00}. My XXXX credit card had a credit limit of either {$2500.00} or {$3500.00} -- I do not recall which. Assume {$3500.00} for the moment. The account has been in default since sometime last summer. That's about 8 or 9 months. Even with interest and penalties, there's no way that a {$3500.00} original balance can more than double in less than a year. I believe {$7700.00} is a fraudulent amount. 

Midland has a history of such behavior, for which CFPB has sued them twice. The second lawsuit I understand is because they violated the consent order from the first lawsuit. 

I have no explanation or itemization of the {$7700.00} amount from Midland. Previously I received itemized statements from XXXX, but those statements reflected charges, interest, and fees in proportion to my credit limit. 

Please demand that Midland provide a detailed accounting of how this balance was derived. Furthermore, if CFPB finds that Midland 's behavior in this matter violates the FDCPA or previous consent orders, please require that they desist from the collection of this debt. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, my ReliaCard was stolen at approximately XXXX, while I was asleep. Upon awakening, I immediately called ReliaCard and reported my card stolen. I then immediately called the police and filed a report ( which Ive submitted to ReliaCard twice now. Detective Sergeant XXXX was assigned to my case. Ive sent ReliaCard his name, phone, fax, email, and work address. This detective has the videotape of this thief stealing {$1000.00} off my ReliaCard at the ATM at XXXX XXXX XXXX nearby. 5 unauthorized withdrawals timed at one per minute, for 5 minutes straight, each for {$200.00} ( plus fees ), for a total of {$1000.00}, at which time the card shut her off. 
I pressed criminal charges, The thief is currently in jail, charged with Felony Theft and Receiving Stolen Property. Its been over 2 months and Ive received NOTHING from ReliaCard- not a provisional credit, not an approved dispute ( Ive been denied twice because based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. Ive sent a 6-page letter, all documents theyve requested, a police report, all the detailed information I possibly could, and Ive followed through with everything I possibly could legally ( this thief is on her way to prison ), and I cant get my money back from ReliaCard- despite their own policy, despite banking regulations, despite my spending over {$30.00} in faxing expenses. This is RIDICULOUS. 
And if youre wondering how the thief got my pin - the ReliaCard was new, I had just started using it a few days before, and I had it written down in my wallet. This was my mistake, my part in the situation, but Im sure things like that happen all the time and consumers are still credited their stolen money back. Correct? 
I want {$1000.00} credited back IMMEDIATELY, plus the {$30.00} I spent on fax machines.

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 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX/SYNCHRONY BANK last reported on XXXX XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX/SYNCHRONY BANK individually and have not received any reply back.

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 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jeffersonal Capital Systems, LLC has been reporting a negative closed account from a car loan I was ( cosigned ) on on my credit report. This loan was involved in a class action lawsuit in which the original creditor ( XXXX XXXX XXXX ) was required to completely forgive this debt and completely remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My Equifax credit score went down over 100 points in XX/XX/2020. There were no derogatory remarks on my account and the other credit agencies reported an increase in my scores. I called Equifax, spent well over an hour on the phone and was only offered a free credit report in the mail. Nothing was resolved. Now once again I checked my score today and again they dropped it over 40 points. My scores from all the other agencies are around 600. Equifax has it at XXXX!!! Ive been on time with all payments and working very hard to increase my score for the last 9 months and theyre destroying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.

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 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
I complaining for the 2 me time against absolute resolutions debt collection agency as my credit report came today with a warning that absolute resolution XXXX reported that my account with them is settled less than the amount due They are laying because they took the whole amount due by a garnishment against my salary This company is destroying my credit. 

Attached is the credit report warning I have received today issued by XXXX  through XXXX XXXX  app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
I received a letter from the company Convergent today, XX/XX/XXXX, stating that I owe the company XXXX a debt of {$560.00}. The letter is dated XX/XX/XXXX. I have never received a bill from XXXX or have an account with them. I used XXXX 's service in XXXX when I worked for them, and paid about {$20.00} a month. I never owed them a bill as I paid them off and switched companies. XXXX has never repored a debt to any of my credit report companies and upon researching this I have found many people that have been contacted by Convergent for debts that they have never heard of, many for XXXX. I immediately called XXXX and talked to a representative. Since I do not have an account with them they stated to disregard the letter as it is possibly fraud. The rep stated that if I get another letter to go into a XXXX  location and show them and to have them report as fraud. They couldnt do anything further for me over the phone. I am afraid this company is trying to collect a debt on a fraudulent account opened using my information. My credit reports have stated i have had past information involved in data breaches from different companies. I will not be contacting the company Convergent as I do not want them to start calling me or trying to collect more information from me. I am locking my credit reports at this time but i fear that this company will be able to report this debt to my account when I do not pay. I will dispute it if they do so.

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 2021-03-27 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: GA

Complaint narrative:
I recently migrated to the United States and my social security card and number was just issued to me in XX/XX/2020 and I have had series of accounts and inquiries that keeping popping up on my report. I have not been able to properly achieve any of my financial goals because my identity has been stolen and information on my credit report is inaccurate and includes inquiries and accounts that does not belong to me. 

The following inquiries mentioned are fraudulent, I am not in the market for a car, never was and never will be because I already have a car. Whoever is using my information I need these recent inquiries to be blocked and removed. 

List of inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the following inquiries to be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for using my personal information without my permission or authorization. I have tried to work with the credit reporting agency as well as the credit grantor to have these removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: PA

Complaint narrative:
Previously I reported a fraud associated with my chase sapphire credit card. It is a {$1400.00} transaction to the online XXXX store on XX/XX/2021. 

Chase reviewed this ( two documents are attached ), without giving me any explanation, declined to admit this is a fraud. 

In this process, I contacted their customer service multiple times. The most recent one is on XX/XX/XXXX, the previous one was on XX/XX/XXXX, etc. I kept saying that I would like to provide some evidence, but they kept asking me to wait, refusing to talk more about this. I also sent them an email providing more evidence. Details are not included here as instructed. 

I am disappointed by the way they dealt with this issue, by their ignorance and carelessness. I have never had a problem with credit card companies before this, but this time I'm stunned that chase is not even trying to solve the problem for its customer. 

I wish you could help me with this case. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.

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 2021-03-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.

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 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I bought XXXX bitcoin  on XX/XX/XXXX. On XX/XX/XXXX, bitcoin price shot up and Coinbase reversed the transaction without warning or explanation. The price of the coin was {$38000.00} on XX/XX/XXXX and the price was {$46000.00} on XX/XX/XXXX. This delta ( {$7600.00} ) was not paid out when the transaction was reversed. Further, I did not sell the bitcoin and the price continued going up. 

I have filed a help ticket and have not gotten any response.

Company response to consumer: Closed with explanation