vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/2022 I noticed some fraudulent charges on My Coinbase account from my Coinbase debit card. The charges were from XXXX XXXX for {$67.00} and there were at least XXXX charges from XXXX. I contacted Coinbase to report this and at the same time I locked my Coinbase Debit Card. On the same day XX/XX/2022 my wife attempted to call me to find that the voicemail was going to a XXXX XXXX phone account. At this point on Monday XX/XX/2022 and Tuesday XX/XX/2022 my XXXX cell phone was still active. I was able to place phone calls. On Wednesday XX/XX/2022 morning I went to look at my Coinbase account and was unable to log in and my cell phone was unable to receive or place phone calls. I called Coinbase the crypto exchange in which I have funds invested. To find that the customer service representative was unable to locate the account based on the e-mail used which was XXXX and also my cell phone number. It seems that who or what ever hacked into my Coinbase account had changed all the log in information. The Coinbase account had {$6400.00} stolen and according to the Coinbase representative the money was deposited into a bank account. But not into my bank account. In addition, I contacted XXXX and had my compromised cell service restored by changing the sim card number. In addition to removing {$6400.00} from my Coinbase account the XXXX removed a total of {$820.00} from our XXXX account which would have been deposited into the account that was stolen. the debited {$820.00} had Coinbase as the receiving account. The XXXX banking information was in my stolen account using the XXXX debit card number. XXXX was notified and the {$820.00} was credited back into the XXXX checking account. The debits cards were canceled and a freeze on any Coinbase withdrawals was created indefinitely. The complaint number for Coinbase is XXXX. Coinbase has stated that the theft was escalated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have made several payments to the target red card in the month of XX/XX/XXXX {$60.00} payments and 1 {$30.00} payment. I have been calling since because I got confused and chose the wrong bank and 1 {$60.00} payment did not go through and 1 {$30.00} payment did not go through. Due to those payments not going through they charged me 2 {$29.00} return fee. At this point I will pay those fee because it was my error on my part, but the balance was {$210.00} since XXXX before the return payments and it does not change. I have also made another {$40.00} payment in the month of XXXX but the balance does not change. I have been calling target customer service to resolve the issue and all they do is keep transferring me to different departments and place me on hold for a long time to only hang the phone up. Today I spoke to someone that said the reason why my balance is not changing is because I had to pay the full balance every month and since I didnt my balance is correct but the {$200.00} that I have paid have not been deducted from the balance and it still shows I owe {$210.00}. Target customer service have not done anything for me at all. I have spent 40 minutes to an hour on every call I have made and I have called about 7 times in the last 2 months. They also tell me when I call they see no notes being recorded so they make it seem like I have not call at all. Please help me all I want to do is pay for the balance that is actually due and get it over with. I also would like to mention that out of frustration I closed the target red card 1 month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had {$58.00} and change into my bank account yesterday when I got off of work. My last transaction was at XXXX XXXX and I made a purchase for {$22.00} which my account had {$34.00} and some change in my account before I got to XXXX XXXX. I left my account at {$1.00} cents This morning I deposit {$98.00} in my Capital One checking account in capital one stole {$22.00}, when I already paid XXXX XXXX yesterday {$22.00} capital one has been stealing money out of my account and I want it rectified I want my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/22, my walker was stolen from my possession. My credit card was used fraudulently for {$620.00} and I immediately notified Bank Of America credit card within XXXX hour that my wallet was stolen and reported the fraud claim. This week o received a letter that they were unable to approve my claim and they charged me for {$620.00} again. I have a police report.

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 2022-11-20 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then XXXX, Experian and XXXX must remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I sent {$1000.00} from my business checking account using PayPal to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX NC. The amount was to pay for a full-day rental at the studio to create a video for a client that had hired XXXX XXXX XXXX XXXX 

Moments after I sent the money I was informed that XXXX XXXX was either locked out of his PayPal account or simply did not have access to it. I am unclear exactly what he had meant by this. So, I decided to open a case on this transaction. I asked XXXX to create a document proving that he was refunding me so I can submit this to PayPal to help my case. I submitted the document to PayPal, yet they denied my case. 

I talked to XXXX XXXX about this, and I checked my PayPal account later to see that he had initiated a refund of {$1000.00} to me. 

I contacted PayPal support to see when I would receive the PayPal refund. I asked their assistant bot two times and both time they gave me a different answer. The first time on XX/XX/XXXX, they said I would receive it in 5-7 business days from the day of the refund which was XX/XX/XXXX. 

On XX/XX/XXXX I messaged the support bot again and they said I would receive it on or before XX/XX/XXXX due to the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I check my PayPal to see that the refund has now been canceled. I don't know if XXXX XXXX canceled it or if PayPal did. I got on the phone with XXXX and told him what occurred and he told me he " never received the money and that it was probably in limbo somewhere ''. 

Today on XX/XX/XXXX I also tried to open another case for the original transaction and was unable to do so. 

XXXX XXXX said he is going to contact PayPal XX/XX/XXXX and try to get a resolution and my money back. XXXX and I will be meeting XX/XX/XXXX in person to try and come up with a resolution. 

Because of this situation I lost an opportunity that I would have made {$3000.00} from and I now have to refund a client {$1000.00} that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
checking my credit report a lot of information is invalid on my transunion report. I am interested in disputing all of the incorrect data that Is hendering my file to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: IL

Complaint narrative:
I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: IL

Complaint narrative:
I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was call by a person who told me there were a Chase representative from the fraud department. The number on my caller said Chase Bank so I didnt question the call. The person I was speaking with was professional and thorough and so I proceeded as usual. I was informed to check my account to verify that an unauthorized transaction had occurred in XXXX in WV in the amount of {$180.00}. Upon checking my account I saw that this information was true and so the conversation continued. As the rep went on about what action we would take next they also informed me that this same individual attempted to wire themselves money in The amount of {$6000.00}. In order to reverse this transaction and prevent it from happening I was told I would need to do a wire reversal. At this point in the conversation I was confident that who I was speaking with was here to help and actually a Chase rep. I did as I was instructed to retrieve what I was told had been compromised. Only to find out that it was a scam. This person walked me through the steps of sending a wire via my Chase mobile app in the amount of $ XXXX to XXXX XXXX. This was who I was told had attempted to send a wire and that I would need to reverse the wire sent by following the steps. After the wire was sent to another Chase account the fraudulent Chase rep even told me to hold as they needed to run a virus scan to make sure that all my devices had been properly logged out of and secure. I was left on hold for 20 min before the call dropped. When I called the number back it routed me to an actual Chase Bank number. I followed the prompts to reach customer service to complete the process. As I informed Customer service that I was trying to reach the fraud department that I was just talking to we learned that the call I had received was not an actual Chase rep. 

After speaking with the Real Fraud department I was told that this was a case for the Chase Wire Research Team and I would need to send them a message to recall the wire via the secure message center. The wire research team was no help at all. They strung me along weeks at a time saying they were waiting to hear back from the receiving bank. But this wire went from one Chase account to another. They then told me they we waiting for a response from the credited party for them to authorize the funds to be returned. Despite the messages I sent the wire research team letting them know that the person they are trying to hear back from is a scammer. After 4weeks of going back and forth with Chases wire research department and the claims department the case was closed and I seem to have now lost $ XXXX to a scammer. This is my final attempt and only hope in getting some type of restitution or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX XXXX they want me to verify my identity. Since i tried to transfer money into the debit card to use on XXXX XXXX XXXX. Already had {$21.00} in the card. They want me to email them my paycheck stub, social security number and governed issue ID through email. I wanted to close my amount, since they were not helpful, and return the remaining funds back. They said they could not until I give them the documents in order to get my money back. Tried to talk to someone but argued with me because, I had them on speaker phone, since I'm hard of hearing, while they recorded the conversation. Then they hung up on me and froze my account right after the call. Could not log back into my account. Can't even get documents from the XXXX XXXX XXXX since they locked me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: FL

Complaint narrative:
checking my credit report I've seen a lot of invalid information listed on my report. I am intrested in disputing all incorrect information to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion did not provide me with proof that the account was opened by me or any information as to why they will not remove the account, and therefore it should be removed by 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 2022-11-19 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XXXX paid ccs in full for removal. XXXX has removed it XXXX has removed XXXX has not it has been disputed many of many times in XXXX XXXX has not looked into dispute because it would have been removed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: NV

Complaint narrative:
please oremove this innacurate date, this was a billing discrepancy. The bill was always paid 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 60 days past due date Worst Delinquency 60 days past due 60 days past due 60 days delinquent Balance {$6.00} {$6.00} {$6.00} Credit Limit {$300.00} {$300.00} {$300.00} Credit Utilization 2 % 2 % 2 %

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