vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Dear Agency On XX/XX/2021, I contracted Coinbase in regards to someone hacking my account. There was a breach with all the emails at XXXX. Coinbase responded in a timely fashion about 24 hours later. The XXXX was a XXXX  but XXXX the XXXX, I received an email starting the recovery process for my account. It's been three days and today is the XXXX of XXXX and I have not received any word from Coinbase. I sent them a DM on XXXX, I also sent them another email asking them to unlock my account. 


The reason for this complaint is if this were to happen in a regular brick and mortar banking institute, I would have gotten immediate attention to this fraudulent activity that is happening to my account. As of right now, I don't know anything. I haven't been able to see my account or talk to anyone since XX/XX/XXXX. 

A. I can't call anyone either. 
B. They don't have a fraudulent department that looks into things right away. 
C. I have a large amount of money in my account. 


Not being able to contact anyone is not acceptable and they not have a more sufficient and effective way to deal with fraud must be revisited and improved because I am sure if this happened to me this is happening to other consumers. 
I am the victim here and right now I feel Coinbase is treating me like the perpetrator. 
At the same time, I am losing so much money because I am not able to trade using my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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: PA

Complaint narrative:
account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX Experian and XXXX  did not even after I sent them proof of this please help 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 2021-02-10 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: PA

Complaint narrative:
account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX XXXX  and Transunion did not even after I sent them proof of this please help 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 non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
Received a letter from this company collecting on a debt that I requested validation on. Also they are attempting to collect the incorrect amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX -Discovered that fraud on my acountXX/XX/XXXX - filled claim with Bank of America Claim was denied- BOA said to long before claim was initiated XX/XX/XXXX claim reopened XXXX?? XXXX claim denied by bank of America- excuse not enough evidence XXXX -claim reopened XXXX claim denied Claim # 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 monetary relief
Consumer complaint received 2021-02-10 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: CITIBANK, N.A.
State: VA

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS CBNA, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER have recently obtained and reviewed my credit file and notied an inaccurate and unverfied account being placed on my account negaively and reporting to the three credit bureaus.

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent.

These entities are a third-party debt collector and have no right to my Consumer Information ...

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations. 

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 explanation
Consumer complaint received 2021-02-10 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: TX

Complaint narrative:
I filed this complaint because after several attempts of writing letters to the creditors, I receive no response. I have been sending letters for months now and I have repeated myself over and over again. I need this taken care of IMMEDIATELY and I will do anything to get this issue resolved. The following accounts are not my responsibility : 1. ) XXXX XXXXXXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX  XXXX XXXX XXXX TX XXXX 4. ) XXXX XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX 6. ) XXXX XXXX I have never had an account with either of these companies and they have failed to validate this debt in accordance with FDCPA. I am requesting that the items be deleted from my credit report immediately in accordance with the FCRA.

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 2021-02-10 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: Progrexion Holdings, Inc.
State: KY

Complaint narrative:
I was needing some help with credit .com I seen it on tv and then I tried it and my pc said dangerous sight after I joined and asked them to cancel and destroy my personal info and they never responded I thank they are using my info they are not responding but this is what the spammer sent me We detected that your information was found in at least one data breach. 

XXXX, XXXXXXXX XXXX has scanned the internet and detected that your information was part of a data breach. Log in to your XXXX XXXX account for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: PA

Complaint narrative:
I looked over my consumer report and I've notice several fraudulent inquiries reporting on my profile The following inquiries are Fraudulent TRANSUNION : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX card Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX card Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX 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 2021-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: TX

Complaint narrative:
This is my second approach to resolving this matter with Carmax. I sent a debt verification letter and they only responded with the contract. Pursuant to 15 USC 1692g, I am to be supplied with 5 items. Carmax has failed to supply all 5 of these items. I have also informed Carmax of SEVERAL FDCPA violations. The items I sent them they have sent back with a stamp that says returned. Carmax mentions not accepting the documents as payment. I was not attempting to pay. I am demanding proper validation of this debt. None of the information that i asked for was completed. Everything was completely ignored. I am feeling like I am being bullied and taken advantage of. I am a federally protected consumer and Carmax consistently violates my consumer rights and ignores me when I envoke my rights. I have attached the documents that I have sent to them. I am the original creditor and this debt was paid for when I gave my " credit card '' number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
THIS COMPLAINT FILE IS RELATED TO THE " FEEDBACK ACTION, '' PREVIOUSLY FILED AND RECENTLY CLOSED COMPLAINT NUMBER : XXXX This file is related to the official reply from Champion Mortgage, to the Consumer Protection Financial Bureau ( CFPB ), which Champion Mortgage submitted upon my Mothers original formal complaint to the CFPB. 
Champion Mortgages reply here is the same as a Deposition. Champion Mortgages reply here admits to violating XXXX XXXX Regulations. 

Champion Mortgage 's reply completely ignores and does not address numerous important answers to the questions which I am alleging against Champion Mortgage for breach of contract. 

XXXX XXXX mortgage regulations requires that the initial insurance proceeds disbursement shall be 33 % of the entire amount of proceeds in escrow account to XXXX XXXX. In the reply letter attached here, Champion Mortgage admits that they did not pay 33 % of the proceeds to XXXX XXXX. 

XXXX XXXX  regulations require that Champion Mortgage shall make all insurance proceeds check payable only to XXXX XXXX if she obtains a Massachusetts and XXXX of XXXX Waiver Exempt Document. In the reply letter attached here, Champion Mortgage admits that they forced XXXX XXXX to have check written payable to XXXX XXXX XXXX XXXXXXXX, XXXX In the original complaint file to the Consumer Financial Protection Bureau, XXXX XXXX introduced a demand letter directed at Champion Mortgage citing Massachusetts Law and XXXX XXXX  Regulations related, now in two reply letters, Champion Mortgage cites XXXX XXXX  ' as their rebuttal. This action is breach of mortgage contract by Champion .Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
Diversified Adjustment placed a derogatory account on my accounts with the credit bureaus. I made a complaint to the Consumer Finance Protection Bureau. On XXXX Diversified Adjustment answered the complaint # XXXX and denied responsibility for the account. Subsequently, on XXXX they verified to XXXX that account was accurate ... Diversified Adjustment lied to the XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
they aren't paying my escrow taxes and I'm trying to refi no one does anything called 10 times

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 2021-02-10 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:
XXXX XXXX Balance : {$2600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE 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 explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I have had an account with Citibank in New York for the last 8 years. At the beginning of this year ( 2021 ) my login information no longer worked and the login page told me to call customer service. I have called to resolve the issue at 8 different times over two weeks. Every time I am told to call another number. So far I have been given : XXXX, XXXX, XXXX, XXXX. Every time I call and identify myself I am being told another department has to handle the issue. I am being put on hold that lasts for up to 30 minutes at which point the call disconnects. An online chatbot also tells me to call one of the above phone numbers. 
I can not get access to my account online or on the mobile app. I am not being told why there is a hold on the account. I am locked out of my funds and I can not make any transfers. Citi has stonewalled any attempt to talk to them or have this resolved, while they are holding on to my funds.

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
As THE ORIGINAL CREDITOR I have recently reviewed my credit profile and have noticed that there are inaccurate accounts and that are unverfied but being placed on my Consumer account negatively and reporting to the three credit bureaus that this alleged debt is mine. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Santander and the other alleged accounts are from third-party debt collectors which have no rights to my Consumer Information. 

... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

The following entities have been reporting on my account. They have been recently deleted which shows proof they are not mine and indeed was inaccurate and unverfied. 

XXXX XXXX XXXX XXXX. Aud Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Someone sent me money on cashapp. When I tried to send the money to my bank account. I was told by cash app that they dont support that bank account ( XXXX business ). So I changed it to my XXXX  XXXX. I tried to send the money there. I was promoted by the app to enter a XXXX Pin. I never created a pin. I was never given a pin. I tried using the pin for the XXXX XXXX account. I friend ever 4 digit number I could think of. None of them worked. I tried to use the app to change the cash pin but it asks me for the old cash pin. Which I dont have. I contacted customer support through this process. I received an email from XXXX, XXXX, XXXX XXXX and XXXX. All from the same email address. XXXX Ive told them all the same information. And no one has helped. They cant reset my account. They cant give me a pin. Theres no way to speak with a human. Theres no way to close the account and have the money mailed in a check. Were in a pandemic and I need my money. The amount is {$250.00}. Ive emailed. Ive tweeted. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I received a email from experian credit bureau stating that a dispute had been resolved on their end, ( Report # XXXX ), ( Investigation ID is : XXXX ), but once i went to the website, I logged in and I see there is other wrong information listed on my credit report like a " wrong name '' that is listed, as well as wrong telephone number ( XXXX is " not '' my phone number ). So I tried to dispute it, I tried to upload documentation to prove my dispute, but the website would not allow me to complete the upload ( even though it offered me to do so ), it was all removed. I tried several times to no avail. It has listed a " wrong Name '' ( alias ), on the credit report that I have never used in my entire life, so I want it removed. IT is my right under the " FCRA '' to remove wrong information in my credit file.

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 2021-02-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
XX/XX/XXXX XXXX I attempted to obtain my account number so I can review the debt. The woman at the company was extremely rude And refused to give it to me. Literally I told her maam you guys are asking me to pay a debt and wont even give me the information on it. She was aggressive and rude. We went back and fourth and they still failed to provide this information. I even hung up to call again to speak to someone else and they transferred me right back her. The calls have become more harassing and overbearing and no one at the company will provide me of the breakdown of debt I owe because EVERYTIME I call they jump straight to and I quote so are you not gon na pay Ill say can I have my account number please and theyll say the same thing. It is a recorded call and can be pulled for record. Ok

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
We fell XXXX behind in XXXX XXXXdue to family emergency and loss wages then applied for a midigation which took XXXX for a determination at which they wouldn't take payment during this time.in XXXX they set a repayment plan for XXXX at {$1800.00} a month I was affected by XXXX in XXXX and couldn't pay the {$1800.00} XXXX XXXX and was denied a directed to get on tge forbarance program which is still in affect.However I got word thru a freind that my home was up for auction and when I contact the Mortgage company US Bank home mortgage in XXXX I learned there's a extra {$19000.00} on my loan that has no clear understandable explanation which has brought my principal balance up to $ XXXXI need help resolving this matter and saving my home that I've owned XXXX and don't wan na loose.I currently owe {$6000.00} but is afraid paying it won't save my home due to the extra {$19000.00}

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 explanation