vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My Coinbase account was hacked on XX/XX/2022 while I was on vacation with my family. The individual funded the account through my XXXX XXXX XXXX debit card in the amount of {$2700.00}. Then the individual withdrew the funds in two transactions. The first occurred at XXXX XXXX in the amount of {$2400.00} and the second transaction occurred at XXXX XXXX in the amount of {$330.00}. These funds were sent to a card ending in XXXX. 

I have been trying to resolve this issue with Coinbase for more than a month and they have not helped me. I have emails in which I showed them these transactions occurred. I have called them once a week for a status update and they just say that the case is under review. The current case # is XXXX. 

XXXX XXXX XXXX did not refund me the money that was stolen from me since they want to see hard evidence that those transactions were not mine. I asked Coinbase to provide me the full card number and the name of the bank so I can personally go to that bank and report that card number so they know that individual committed fraud as well the local authorities can prosecute the individual. However, it has been more than a month and Coinbase has not helped me on the matter. XXXX XXXX XXXX  has a time limit on open fraud claim cases. If I don't get it within 60 days of the day of the claim date then they will close it. 

For informational purposes, I have been on the phone with them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Can you please help me obtain this information from Coinbase?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMEX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: DISCOVER BANK
State: IL

Complaint narrative:
I went to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX. On XX/XX/XXXX, XXXX XXXX processed a XXXX XXXX payment of {$390.00} payable to Discover. The payment went through but a wrong account number was referenced. Discover received and cashed the payment ( According to XXXX XXXX and the XXXX XXXX ) I have been working with XXXX XXXX who is the supervisor ( XXXX ) XXXX and/or XXXX. Discover first requested a copy of the receipt which was provided. Then they came back requesting I tell them the account number the money was deposited to. I told Discover they would have the information, not me. I had a three-way call with Discover and the XXXX XXXX . Discover requested a routing number and the endorsement of who cashed the check. I have had to open 3-4 dispute resolution requests. Discover just keeps closing them and sending me a letter saying it has been resolved. Discover credited my account about 4-5 months later. In XX/XX/XXXX they placed the chargeback on my credit card saying they credited the account one too many times and I now owed them the original disputed amount. I have filed a complaint with the XXXX  and Discover refuses to budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
got into a XXXX XXXX  and told them i wasnt able to keep up with my payments told them to come and get the car never came and got all they did was take pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation
State: IL

Complaint narrative:
I believe a fraudulent account through the Albert financial app has been opened in my name using my social security number. 

On XX/XX/27, I received an email thanking me for signing up for " XXXX XXXX, '' which I never signed up for. 

I tried to email Albert to say that this account was fraudulent, but they responded that I had to log into the app to receive any help. 

Then, I subsequently received an email with a pre-filled direct deposit form, with " my '' alleged signature, and an old address I used to live at. 

When I tried to download the app to reset the password and get help, I could not log in without giving my social security number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH XXXX XXXX. I WENT DIRECTLY TO XXXX XXXX TO DISPUTE THE ITEM IN QUESTION AND XXXX COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: LEXISNEXIS
State: AL

Complaint narrative:
On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH LWXIS NEXIS. I WENT DIRECTLY TO LEXIS NEXIS TO DISPUTE THE ITEM IN QUESTION AND LEXIS COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XXXX I could not pay on this loan. I used family to stop Navient from harassing family members and individuals around me, including my job. However, my support system has passed away during the pandemic, as Navient knows since one member was an actual co-signer on a loan. I can not pay on this loan, and Navient knows this. I do not want them to contact anyone except for me about this debt. They do not need to contact the 3rd party as they have my cell and email and have contacted me on previous occasions. I can not pay this debt and will not be able to in the future. I am demanding that Navient only contact me about this debt. I am well aware that this loan is headed towards default and its nothing that I can do about it. I am ready to face the repercussions of such actions. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Back in 2018 i moved out my very first apartment in XX/XX/2018 my lease was ending in XXXX and the rent was XXXX when i was leaving it was agreed upon with the manager at that time that if i turned in my keys XX/XX/XXXX by like XXXX or XXXX then they wont consider it a breach since my lease was almost over. we live in a military town! one of the biggest so if you dont move when you can you will not be able to due to over population. i didnt want to stay due to countless of times my rent was never " received '' and we paid by money order in person. which never made sense to me. and sometimes i had to pay double rent just cause they say theres no record. i wasnt the only tenant with this problem and they was upping our rent as well so a few of us moved around the same time to another neighborhood. it got to a point i was getting behind other bills and sometimes had to suffer with no lights or phone due to it and i was a new mother. my daughter wasnt even one yet. i was young and it was my first ever place so i took there word! never knew about getting stuff in writing for documentation at the time but now i do. I was never informed about fees and of course i never got my deposit back which was expected! just last XXXX, i got a notification from credit karma about a new debt collection. at first it never said anything except the debt collection agency. it took months to even figure out what it was. i contacted them to let them know and they said " they doubt anybody would tell me that '' they are now under new management and also controlled by a computer! And now its states i owe about XXXX to them which dont even make sense! they just said a clean up fee which wouldnt even be that much and my rent was only XXXX as well. recently i been trying to move to relocate for work and my lease is almost up and i cant even do that cause of this. the disputing multiple times wont even work and im running out of time. i live too far from my job and not getting any resolution on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a dispute with Experian and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with XXXX. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX XXXX XXXX fraud, but this is still on my XXXX account XXXX Also the same XXXX XXXX account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of XXXX years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/XXXX, my car, a XXXX XXXX XXXX was paid off. On XX/XX/XXXX Credit Acceptance took an additional car payment from my bank account. { after it was paid off } I have yet to get my money back. I have called several times to no avail.

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 2022-07-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}

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 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I call the servicer lender JP Morgan Chase bank on XXXX around XXXX. I was requesting information in regards the different options for exiting the forbearance program as I received an email from the service lender in previous days indicating to reach out to know about such options. The agent was misleading as she said quote " I can only provide information in regards other mortgage assistance option if you ( XXXX ) decline to the deferred ballon payment option ''. To which I reply saying " I am only calling to know about the mortgage assistance options, I did not call to make any decisions '' I told the agent that I did not understand why she couldn't provide the information and it was misleading to ask me to decline to the option of the deferred the ballon payment till the end of the term of the loan without knowing what were the other options available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: PA

Complaint narrative:
TransUnion has repeatedly ignored my request to have these accounts removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Rights they have violated this now my 4th complaint 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) CC : Consumer Complaints PA Office Of Attorney General CC : Consumer Complaints 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 2022-07-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX XXXX  credit card erroneously put 2 late payments on my report. One for XXXX, 2021, and another for XXXX, 2021. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of 2021. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with Trans Union, XXXX, and XXXX since 2021 but they wont fix the issue. I have been filing dispute after dispute with all 3 agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of XXXX. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of 2021 should not be there. Those XXXX late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}

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 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMORGAN CHASE is falsely reporting an alleged debt that is not mine. XX/XX/2022 I sent a Validation of Debt letter, as required by law under the Fair Debt Collection Practices Act. They responded with none of the requested documentation pursuant to 15 USC 1692g Section 809 ( b ) nor did they provide evidence that the account ending in XXXX is valid. As such, they have failed to respond within 30 days of receipt. 

During this process, my credit report has suffered from several negative items that were reported to the major credit bureaus for a debt that I dont owe. I have been violated under this notion and believe that there is no proof to the contrary. 

XX/XX/2022, I sent an Affidavit of Truth in good faith to resolve the issue and an attached Bill of Particulars of the total charges of violations from JPMORGAN CHASE. 

XX/XX/2022, I sent a Notice of Fault to give JPMORGAN CHASE one last opportunity to respond and have not heard from them. 

XX/XX/2022, I sent a Notice of Default and an Opportunity to Cure letter to JPMORGAN CHASE with no resolution or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
The Company GM Financial has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: IL

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports. The investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates I saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Name : XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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