vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi there, On XX/XX/XXXX I had someone call me saying they were from my bank and they were working with Coinbase to secure my account as it had been compromised. They knew my account number and date of birth as proof, and told me that they were working with Coinbase to set up a new external wallet, and that my coins had to be transferred there before I lost everything. 

I want to be clear that throughout no part of this did I share my password, any XXXX code or download/install any app or software on any of my devices. My phone has not been lost or stolen at all, and I use a strong password including letters, numbers, and upper/lower case characters. The two transactions on XX/XX/XXXX ( of Bitcoin and Ethereum ) from my account were to a scam wallet address, and the cybersecurity breach continued on XX/XX/XXXX when they sent what remained of my Ethereum to another scam wallet address without me even being logged in. I have receipts of the texts and calls I received from these scammers, and recorded part of the conversation for evidence. 

The below transactions were all part of a scam and cybersecurity attack, with the first ( and most recent ) happening this morning despite having XXXX fully enabled on my account. I have email receipts for each of these transactions, too : 1. XX/XX/XXXX : 2.XXXX ETH to XXXX 2. XX/XX/XXXX : XXXX BTC to XXXX 3. XX/XX/XXXX : 5.XXXX ETH to XXXX To provide additional information I have been in touch with Action Fraud, the police and my bank account to notify them about this which all happened within the last 3-4 days, and I have a case number which I can provide to you if necessary, too. 

The loss of funds has been exclusively from my Coinbase account, with none of my other personal accounts having been subject to a scam/cybersecurity breach. I have raised a case and complaint with Coinbase, but have yet to hear back on this ( Case # XXXX, Case # XXXX, and Complaint # XXXX ). 

I can prove that I as the genuine account holder still have access to my email address and provide any form of authentication necessary, including a photo of the front/back of my ID or passport if needed for your own security purposes. 

Please do assist me with this if possible, as the three transactions listed here total to a significant amount and has left me devastated as a result. For the time being I have requested my account to be disabled to prevent what little is left from leaving my Coinbase account. 

XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/XXXX I was contacts by Santander Bank to renew my HELOC which I have had for past 9 1/2 years. I have never been delinquent the entire time and have a XXXX out of XXXXcredit score. The home is unencumbered and was appraised at $ XXXX. The Bank Rep. initially discussed increasing my $ XXXX LOC because of my exemplary record. After substantiating all of my assets and income that far exceeded my loan request they counter offered @ $ XXXX. When I asked theyre on reconsider they sent me a letter on XX/XX/XXXX that could not consider my application for many bogus, and non existing issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Opened XX/XX/2020 ( {$370.00} ) I reached out to both the creditor and also the credit bureau 's about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, XXXX and Microbilt. 

These inquiries need to be removed or further action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, by invitation of XXXX XXXX to his new place, XXXX XXXX, my Citibank Visa card slid out of my XXXX case. XXXX XXXX, accessed it. He charged me {$2700.00} for lenses and frames that I DID NOT authorize. I never saw him swipe my card. I did not sign for any purchase, was not given a receipt, and was not even aware of the charge until later on. He ONLY gave me a pink copy ( # XXXX ) from his pad noting frames of interest for the future. A serious medical condition precludes my getting a prescription and we discussed this. 

On XX/XX/XXXX I notified Citibank of the fraud. Citibank refused to remove the false charge and contacted the XXXX. The XXXX reworked the # XXXX copy he had into a FORGED authorization, sent to Citibank, purporting to have my signature for order and receipt of glasses. Every Citibank lower level compliance person saw that it was obviously a fraud and kept extending the open complaint. Then a high manager, no name, called and told me to go away and stop bothering them and they didnt care what I showed or said, they are going with the merchant. 

The amount on this pink # XXXX that he gave to Citi says {$1400.00} NOT {$2700.00}. It is full of phony prescription info that may be from XXXX XXXX  glasses bought in XXXX at his previous location before he went bankrupt and closed. He returned to XXXX in XXXX. Citi also sent me a SWIPED credit card copy that has no info on it except a tiny forged signature purportedly of mine for {$2700.00}! I obviously never had that. 

Citibank accepted the forgery as " proof '' that I authorized the purchase for {$2700.00}. They refused to remove the false charge. I resisted paying this abomination and went to the local police who agreed with me but did not pursue the casetoo busy they said. I could not pursue this in small claims court because of the Covid-19 plague. The lawyer we contacted wanted too much in fees. I have full documentation to submit to the CFPB if necessary, and my police report.. 

Citibank then lowered my credit rating from XXXX to XXXX and I had to pay the money to avoid further damage to my credit. The XXXX  stole this money BUT Citibank allowed it by not reversing the false charge even though I gave them proof of the forgery!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: EdFinancial Services
State: PA

Complaint narrative:
Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the three Accounts from Us Dept, two of the account has the date of XX/XX/XXXX, another one is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: GA

Complaint narrative:
Opened XX/XX/2021 I reached out to both the credit bureau 's and the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received a late fee out of the normal fee after an auto payment was not set up correctly. Never had been late on a payment before, contacted Capital One customer service and was told they would not waive the fee. Was never late with any payments even during the pandemic. Then contacted Capital One corporate three different times and received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Opened XX/XX/2020 ( {$1400.00} ) I reached out to both the credit bureau 's and the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I feel violated by employees revolving around benefits to which I am entitled and are an abuse of power when XXXX told me about my XXXX benefits under ending account XXXX on last Friday that she will fix this and it is your account, immediately I felt uncomfortable. She said that she will straighten this out by replacing identifier with mine and forced me to report it with Bank of America and now nothing has matched up because of this. 

Then with XXXX XXXX the conduct of XXXX that I are made feel violated and an abuse of power by her and that on Saturday XXXX I spoke to her about my account and she " Out the Blue " said I am putting a block on your account, I said why? So no one can go into your account without your authorization. When I called back I discovered she lied and it was to allow benefits in but that I could not withdraw and this were not my wishes and are wrong. Now that I can see what they are doing to block payments I truly want all three blocks removed ending 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 explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX  continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, transunion, and XXXX  needs to remove these items my scores are supposed to w   in the 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 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, XXXX, and experian needs to remove these items my scores are supposed to w in the 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 2021-08-29 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: NC

Complaint narrative:
my personal information has been used for years due to a data breach and again has been used for medical services that has negatively effected my credit and life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Repeatedly dropping credit score due to reporting alleged debt multiple times. Multiple calls, harassment and threatening language for an alleged debt. The amount was {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
KeyBank closed my account due to it being overdrawn. This due I believe to XXXX making an unauthorized " purchase '' of two {$1000.00} transactions on XX/XX/XXXX of this year, withdrawn from my checking account. 

Yet when I tried to make a small payment to Key, listing the reason on the check, they returned it to me .Guess no one can, even if what transpired not their fault, accepts the consequences of others, in this case XXXX. 

The attempt made, they had cash in hand, yet chose to turn away money owed them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Vehicle loan or lease — Lease
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: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern : In XXXX, XXXX, I leased a XXXX XXXX XXXX from XXXX dealership in XXXX, Montana and financed by US Bank. The vehicle was involved in an accident in XX/XX/XXXX. My insurance company XXXX declared the vehicle totaled and took possession of the vehicle. Since XX/XX/XXXX, XXXX had made numerous attempts for the US Bank to provide them the vehicle Title so that they can settle the claim to no avail. 
In XX/XX/XXXX, 6 months after the accident, I wrote the US Bank a letter stating that I won't be able to make further monthly lease payments of the vehicle I am not using. The Bank didnt acknowledge the receipt of my letter, instead they reported to the credit bureau that I owe them {$5600.00}. My Fico score dropped from XXXX to XXXX. When I called the Bank regarding this latest action, they told me that I MUST continue to pay my monthly lease until the issue is resolved. Hence, I resumed the lease payment to avoid further damage to my credit. 
I have called the US Bank loan department more than 20 times on this issue since XXXX, XXXX and the Bank is still unable to resolve this issue.

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 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
Only XX/XX/XXXX, we recieved a phone call from National Credit Systems stating we owed them {$160.00} based on a collected from our previous landlord. Because we didn't believe we truly owed them money, we asked them to send a verification/proof of this debt to my husbands email. That email never came. A week later, we recieved another call, and again we told them we would not pay until there was proof. This time, I took it upon myself to send a " proof of debt verification '' to their P.O. box. That was on XX/XX/XXXX. They have up to 30 days to reply to this proof of debt letter. After sending that, we continued to recieve harrasing calls from them. Finally, the 30 days had gone by and we continued to recieve phone calls from them so I send an email stating that the 30 days to prove we owed them {$160.00} had passed, and they no longer had any legal grounds to continue calling us. I also sent that via an email. I did not receive a reply to that email. We continued/continue to recieve phone calls from them with no proof that we owe anybody any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: PA

Complaint narrative:
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America and XXXX of California closed my debit card said I requested new one.. that a lie they sending new debit card with my name on it to lady in california... Bank of America did this giving new card I did not ask for now can't reach anyone debit card on way to name address I don't no

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