vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Here is my message to Coinbase ( COIN ) on my fraud/scam complaint : My Coinbase Cryptocurrency account ( COIN ) was hacked and used without authorization on XX/XX/XXXX and compromised my checking account registered through my account. The hacker made 20+ transactions/crypto-currency purchases through my checking account. Since then, I have locked my personal checking account with my banking institution, stopped two unauthorized large payments to Coinbase and eliminated my checking account since it was compromised. I have reached out to Coinbase phone customer support several times on the matter and now I am told that they must collect any outstanding payments from my account which in total is {$5200.00}. Before the hack on XX/XX/XXXX, my account balance was about {$420.00}. As of this writing, with my account locked, my new balance is at : {$3400.00}. With that said, I understand I should pay Coinbase back since it was from " dirty '' transactions by the hacker. But additional transactions where made tot total out at {$5200.00}, and according to Coinbase, with a difference of me owing {$1800.00} to them. 

With that said, I was the victim fraudulent activity and feel that I should not owe any more than was withdrawn from my personal checking account ( XXXX ) at the time to pay back in reversal to Coinbase. I would be glad to pay back what is owed in the amount of {$340000.00} - {$420.00} ( my last legitimate balance prior to unauthorized purchases ) = {$2900.00} in cryptocurrency I would pay back from my account to Coinbase. 

I was the victim of this account hack and now being penalized for an online criminal act was beyond my control. I now feel because of the distress and hardship I have been dealing with over the past few days of recovery, I am being victimized again by having to completely drain my Coinbase Account Balance in addition to {$1800.00} that I can not pay back. 

Therefore, I kindly ask that Coinbase credit me my original balance of {$420.00} ( balance before hack ) after auto-withdrawing and paying Coinbase back the approximate {$3000.00} difference in which I have no issues with.

If Coinbase can not come to a resolution in waiving the additional outstanding payback balance of around {$1800.00} + restore {$420.00} in account balance that Coinbase claims is owed by me, I may escalate the matter and seek legal action. 

Sincerely, XXXX XXXX x Coinbase is holding firm to their demand that I, as a victim of fraud, am solely responsible to pay-off all cryptocurrency transactions that were made by a hacker that was unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to check my balance on my unemployment account through Bank of America and it was at {$00000.00} so I spoke to the claims department and they told me that on XX/XX/XXXX someone had transferred {$5000.00} into a bogus account. Then on XX/XX/XXXX they transferred the remainder of {$1400.00} into the same bogus account. At that point I was told that they would do provisional funding within 10 working days. Well the 10 days came and went and they've done nothing to help me with this error which is clearly their fault not mine. I have repeatedly contacted them on this issue and they keep giving me the run around. Now in their terms and conditions it clearly states zero liability on the customers behalf.This was all I had to live on from XXXX to XXXX. I have had to sell a my gold coins I've had forever just to be able to pay My bills. I've pleaded with them. I've been really nice on the phone. But they make me feel like I'm the one at fault. I trusted my money in their bank and because of their negligence and ignorance my money got stolen.i just want what's right. I shouldn't have had to sell my coins but they gave me no choice. I need your help. Please!

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Please refer to the PDF document named Claim XXXX for an account of the events that took place on XX/XX/2021 for $ XXXX. I would like to emphasize a few points of the PDF here. During the time that the fraud was taking place, I hung up the call and attempted to call Wells Fargo fraud department. Each time I was unable to get a hold of any live representative and they provided a call back option. Based on the fraud being committed involving spoofing of phone numbers, there was no way to identify if the bank or the fraudsters were attempting to call me back. Therefore I felt very vulnerable and in able to trust any phone communication with the bank. I proceeded to go to the nearest branch and have them verify a later call with the fraud department. 

After we talked to the fraud department on the XXXX, I followed up on the XXXX and was bounced around for 40 minutes with no one willing to answer my questions. I merely wanted a contact email that I could send the attached pdf as further support for my claim. Finally I had a representative say they made a note and we should be contacted. Subsequently I never heard back from the bank until I received the denial of the claim.

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 2022-01-05 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: GA

Complaint narrative:
my problem is with experian they keep taking from XXXX to XXXX points reepeately in the last 6 month or even before only issue i had was with a home depot credit card with $ credit limit which has been close with XXXX balance since 2019 take a moment and you will see that my credit history is excelent for the last 7 years this happened when i open another account with home depot and thought that my previous account with home depot merge into XXXX account and since i did not get invoice bill y did not make a payment for 1 or 2 months till i got XXXX and inmediatly took care of it pls some help my # XXXX call anytime or text email XXXX thank you

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 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: MT

Complaint narrative:
Notice of Intent to Sue. CFR violations, FDCPA violations, Criminal violations, trust violations, breach of fiduciary duties, fraud and several other violations against the consumer. Listed in attached documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2022-01-05 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2022-01-05 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I refinanced a mortgage in XXXX and signed an escrow waiver for property taxes, homeowner 's and flood insurance. I prefer to pay my own. The mortgage was sold twice in rapid succession, ending up with JP Morgan Chase. Chase told me in XX/XX/XXXX that they were starting an escrow account for the flood insurance, and sent me a statement with a new, higher mortgage payment. I told them that I had signed an escrow waiver. They replied that they would delete the escrow account. A few months later, Chase said that the escrow account would be reinstated because of NFIP rules. I repeated my earlier statement regarding the escrow waiver, and reminded them that I did not use the NFIP, I bought private market flood insurance. Again, they informed me that the escrow account would be deleted. Once more, Chase informed me that the escrow account had been reviewed, and would be reinstated because of RESPA rules. I pointed out that RESPA had nothing to do with the issue. Chase then informed me that the escrow account would stand because the Biggert-Waters Flood Insurance Reform Act of XXXX  says that after XXXX, loans secured by property or a mobile home in a flood area had to have flood insurance escrowed. We are at an impasse. If their Biggert-Waters Act excuse is valid, why was I allowed to sign an escrow waiver in XXXX? Can a mortgage company change the terms of a mortgage they have bought? If I allow this, what's stopping them from demanding escrow for my property taxes and homeowner 's insurance? For the record, this is a fixed-rate mortgage, so no increases are to be expected. I have never had a late payment or been uninsured, so this is not a case of force-placed insurance. Chase did not share their " escrow analysis '' with me, ( the payment they imposed is woefully inadequate to cover my insurance ) and they have not explained how renewal and payment of my flood insurance policy is to be carried out - I believe that IS a RESPA requirement. They have only reminded me to send them a copy " when the policy is renewed. '' If I'm renewing the insurance, why are they collecting the money? Throughout this entire debacle, I have been making my regular, ORIGINAL mortgage payments, and have alerted them each month that i am NOT paying the escrow amount until I have valid answers to my questions. I will be happy to provide whatever documentation you require ; at this point, I am only sending my escrow waiver because I'm not sure if you want all their letters. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.

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 2022-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. BK OF AMER is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BK OF AMER XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.

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 2022-01-05 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX I XXXX XXXX  ( Original Creditor : XXXX BXXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX OF XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX 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 2022-01-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I took a loan from mountain america credit union.I was supposed to pay off in 2years. I had issues at work so I called them to hold payment for 3month.After I get job and went to pay them off they refused to take my calls.When I called them back. In a times they send me to Utah and I will be on the phone for hours or more.Then the phone dropped without no one will to answer.Then I waited several time to get mail or email nothing.Late on several scam companies calling me to pay money which is more than 2 times what I owned the bank. This i decided followed up again but they said they have no idea.Next thing I saw on my credit the amount that is more than what I owned them. I think as human being I have not been treated fairly with this bank.but they rather taking advantage of me.I need help to resolve this issues.i have family to provide for including sick mother.i don't went anyone XXXX  my life and suppress me to their own satisfaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX  Navy Federal ran my credit on what was supposed to be a soft pull but instead wound up being a hard pull on a car loan pre approval request. My credit score is in the 700s & for whatever reason they denied me to add to this situation. I sent a letter to Navy Federal asking that the negative information be removed as it wasnt supposed to be a hard pull & the fact that I was denied credit. This is a clear violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it concerns, This is my 3rd round sending in dispute letters to Transunion to verify the accounts included in my XXXX letter. I am a victim of an identity theft and need these accounts removed immediately.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
1 : Southwest Credit Systems XXXX, has today sent me a collection notice and claims that I owe {$130.00} to XXXX XXXX. 

2 : They have referenced an account number of XXXX. I have never had this account with XXXX XXXX. Though i was a customer of XXXX XXXX XXXX in the past. 

3 : They have addressed this notice to my name but the city ( XXXX ) is incorrect. I live in XXXX. 

4 : I have no outstanding debt with XXXX XXXX and since XX/XX/2020 I have had no account with XXXX XXXX. 

5 : Their collection has impacted my credit rating severely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the JPMCB CARD accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation