vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I had a Coinbase account that was compromised beyond my control. My account was inaccessible on or about XX/XX/XXXX and allegedly hacked on XX/XX/XXXX XXXX XXXX pst. My devices and accounts show no sign of being tampered with. My phone carrier checked my device and confirmed that the Sim card was never ported to a new device. My email has been protected with XXXXXXXX XXXX  Account XXXX since XX/XX/XXXX according to my activity log and shows no suspicious 3rd party activity. Furthermore My email account was blocking all messages from Coinbase so it would of never received a " hyperlink '' to make any changes with my Coinbase account.

When my Coinbase was recovered it shows that I lost approximately XXXX Shib Inu coin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-20 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was scammed by a company out of the USA.

I disputed the charge with American Express and the did NOT properly investigate the fraud.

American Express actually is frauding me the consumer! Attached evidence will prove the fact that American Express did not actually investigate anything they are OK with taking money from XXXX veterans. American Express should change their name because theyre XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and also the creditors reported inaccurate financial information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and also the creditors reported inaccurate financial information about me.

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 2022-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have told Credit Acceptance since XXXX of XXXX  when COVID-19 first hit America and i was on XXXX XXXX  that my identity was stolen, like the trillions of money stolen from who knows how many American VICTIMS of our GOVERNMENT UNEMPLOYMENT BENEFITS STOLEN AND HIJACKED FROM US! I have a XXXX XXXX & am trying to get on XXXX b/c I am not suppose to work anymore. I have since COVID-19 have had to get on 4 different XXXX XXXX now & have severe XXXX XXXX! CREDIT ACCEPTANCE, although, I have SOLD EVERYTHING I HAD TO PAY THEM, USED ALL MY SAVINGS TO SURVIVE SINCE NOT BEING PAID UNEMPOYMENT, AND NOBODY CARES!!!! IT'S NOT THE NEWS! THE GOVERNMENT & CREDIT ACCEPTANCE KNOWS THERE ARE VICTIMS LIKE ME! WHO HAVE NOT BEEN ABLE TO PAY ANY BILLS ON TIME! THE HARRASSMENT NEEDS TO STOP!!! THEY CALLED ME FRIDAY, I ANSWERED, YES I JUST GOT A JOB!!!! I'M NOT EVEN SUPPOSE TO WORK!!! MEDICALLY I CAN DIE ANY MOMENT! THEY CALLED ME SATURDAY ALL DAY, THEY CALLED ME TODAY, SUNDAY 7 TIMES!!!!!!!!! I JUST STARTED WORKING AND THEY KNOW I AM A FRAUD VICTIM & HAVE MEDICAL SERIOUS ISSUES!!!!! IF I DIE BECAUSE OF THIS I WANT EVERYONE TO KNOW THEY ARE THE CAUSE OF MY XXXX  & STRESSS!!!!!!!!!!!!!!!!!!!!! READ YOUR NOTES!! GIVE ME MY {$18000.00} STOLEN FROM ME FROM UNEMPLOYMENT GOVERNMENT AND I CAN PAY MY BILLS ON TIME!!!!!!!! XXXX OFF!!!!!

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
I been trying to talk to NetSpend and to serve about my refund and NetSpend about my government and school loan they keep sending me cards idk why there's nothing in them and I keep getting emails there's funds but wen I call they lick me out I am profound XXXX  it's hard to talk on phone idk what to do please help me find out were all my money 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 2022-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Our home was built in 2020 and we took possession in XXXX of that year. Shortly after this Freedom Mortgage purchased our mortgage. We were with Freedom for about 4 months when they contacted me and said a refinance was available to a lower rate. We started the process for the refinance and the monthly payment was significantly lower that what we were paying at the time so we went with it. My assumption, not knowing much about it and honestly, not reading all the paper work was the interest rate reduction coupled with what we had already paid the principal amount down to had lowered our payment that much. 

What I didn't realize is that Freedom had estimated our annual taxes for escrow to be {$1200.00} dollars for the entire year. This was the main reason our payment had dropped so much. There isn't a house in our county that is the size ours is that pays anywhere near {$1200.00} a year in property taxes. Our actual property taxes that we owe annually is generally between XXXX dollars. This gross underestimate on the part of Freedom resulted in our owing now close to 10,000 dollars in escrow fees to bring us back up to date in our escrow account.

Now admittedly, I understand that I should have asked more questions or read the fine print in all of those mortgage papers and there may not be anything you can do for my situation, but my concern is this is a common practice with Freedom or other mortgage companies. My concern is they are grossly underestimating the taxes in hopes that the buyer or refinance customer will not read all of the fine print and take the bait so to speak all in an effort to make a sale or refinance. The way that they estimated so grossly incorrect on our annual taxes is what makes me suspicious. 

I contacted the company to see what could be done and they said not much. They were willing to spread out the back escrow amount over 48 months so I am taking that option but nothing else could be done according to them. Thank you for your time and any help in this situation.

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 2022-03-20 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the 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 2022-03-20 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been battling Experian for months regarding an obvious error on my report that they simply reply to as " Verified ''. They are reporting that I have two auto loans with XXXX XXXX  which is false. There are even two separate account numbers for each of the alleged accounts. Pursuant to 15 USC 1681 s-2 ( a ) Furnishers have the responsibility to provide accurate information. They have been made aware of this error and yet continue to report false information.

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, approximately around XXXX XXXX, I was talking to the doctor at work over the phone when all of a sudden, line got disconnected, I have no signal at all. I was under a family plan through XXXX but when I asked my mom, my dad and my brother, all their phones were working except mine. My brother called XXXX to let them know the situation. After about 40 mins, my connection came back and I was able to continue using my phone. Around XXXX XXXX  when my brother asked me to send him money through XXXX however I could not access my Citi mobile app at that time, for some reasons, it's not accepting my password. Around XXXXXXXX XXXX, I received an email from Citibank stated that a wire transfer was completed amounting to XXXX usd. I reported this to Citibank immediately the next day and I reported this to the police. As I continue to review/check my phone, theres also a charge in my XXXX credit card amounting to XXXX usd. I also found out that theres XXXX usd charge in my account that was sent to someone named XXXX XXXX whos also a Citibank client. Citibank kept on closing the case for XXXX charge in my account via XXXX without reaching out to me or even asking me for additional information that they need from me.

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 2022-03-20 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I send a dispute letter and a CFPB complaining about a 30-day late payment reporting on my credit report by XXXX XXXX  XXXX on XX/XX/2022 I send the proof of I make the payments on time, and yet they still reporting wrong on my credit report. I also ask for de independent investigation methods they use and they only use the information the creditor shows violating my right. Please take action on this mater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
First Im a XXXX XXXX XXXXXXXX veteran and BSI Financial services purchased our VA mortgage. 
After checking BSI has NOT updated our mortgage information on all three bureaus thus dropping our credit score drastically.

Unfortunately we can not afford to change lenders at this time after we were forced into using BSI financial services due to interest rates have increased beyond our financial capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the 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 2022-03-20 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: MD

Complaint narrative:
Please see the attached forms. I have been calling all Experian, XXXX and Experian and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.

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 2022-03-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX sent new report ( attached file ) -credit limit XXXX increased to three credit bureau . Credit bureaus need to update based on XXXX XXXX  document I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and also the creditors reported inaccurate financial information about me.

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 2022-03-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I contacted my bank about balance updates that seemed glitchy. My bank app showed one balance and actually allowed me to make purchases against the balance and then my account, which has an opt out of overdraft, went into the negative. The POS are not being held after the debit transaction if this happened, which makes me feel unsafe that the holds are safe from the financial institution. 

On XX/XX/2022 ( late that night ), the app showed that I had a balance of {$2.00} ; however, when I checked my balance the next morning, the balance was short from what my paycheck deposit was because the financial institution allowed a transaction to go over my supposed credit balance although when I made the gas purchase on the XXXX, showed that the money was available.

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