vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is an inquiry in my credit report for a company in Rhode Island with a XXXX Illinois telephone number. The telephone number is a scam telephone number. Additionally, Ive not ever requested any type of credit from this company. I sent multiple disputes to Equifax and they continually report this error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: DISCOVER BANK
State: IL

Complaint narrative:
DISCOVER FINANCIAL SERVICE is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with DISCOVER FINANCIAL SERVICE but the credit card company still reporting this fraudulent account. I asked XXXX to verify this account for me and they havent verify it either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I am a Coinbase user. In summary, my money from the Coinbase exchange has disappeared, as well as all the transaction history, it is as if the account has been reset.

I have been a Coinbase user since XX/XX/2021. 

Since that time and until XX/XX/2021 I have been trading with Coinbase. In the document " Access history '' you can see how I accessed on XX/XX/2021 ( from that moment I have been operating ). 

The problem comes when on XX/XX/XXXX I try to access my account and it asks me to verify my identity ( again ). I verify my identity correctly, although I already did when I registered in XXXX ( required to operate ). When I re-enter my account, my balance is XXXX and there is no transaction history in my account ( as can be seen in the document Coinbase Transaction History ). 

I have created a case in ( XXXX )- but I have no response, they always tell me that I have access to my account ( indeed, I have access, but it is not my cryptocurrency portfolio, it is at XXXX and without transactions ). 
On XX/XX/2021, I had around XXXX between BTC ( about XXXX ), EUR ( about XXXX ) and CARDANO ( about XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with XXXX XXXX XXXX but the credit card company still reporting this fraudulent account. I asked TransUnion to verify this account for me and they havent verify it either.

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 2021-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BANK OF AMERICA is reporting a fraudulent account on my credit report. I have contacted them multiple times and I also contact XXXX to remove it but they have keep this account that is preventing me from obtaining necessary financing.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I, XXXX XXXX, natural person and consumer have been the victim of identity theft. LVNV Funding obtained my information illegally from XXXX XXXX XXXX. There is no contract with my written signature on it that says I am obligated to pay LVNV Funding LLC. Under 15 USC 1692g ( FDCPA ), I have the right to request validation of the debt. Cease and desist and debt validation letters were mailed to LVNV Funding LLC on XX/XX/2021, by way of green return receipt. LVNV Funding LLC has failed to provide debt validation as of today, XX/XX/2021. LNVN Funding LLC is still reporting unverified information to the credit bureaus which constitutes fraud. LVNV Funding LLC has also violated the following codes shown in attached documents : 15 USC 1692b 15 USC 1692c ( b ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692b ( 5 ) 15 USC 1692e ( 14 ) 15 USC 1692e ( 11 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express closed eight of my personal and small business credit and charge cards with no notice. I was a card member for almost 10 years and never missed a payment, etc. No notice nor reason for the shutdown was given and they are not letting me talk with anyone on the phone. Additionally, no refund has been offered for the annual fees I paid for these cards, some as high as {$590.00} per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have already told them I recently ( 2 months ) had XXXX and was out of work. They continue to call all day and even have other branches in other cities continue to call all day. 
O am sorry I can not pay at this time due to I list my job but the harassment has got to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit report. I have contacted them multiple times and I also contact TransUnion to remove it but they have keep this account that is preventing me from obtaining necessary financing.

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 2021-10-12 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: TX

Complaint narrative:
I need a background check to be ran by a prospective employer. I've created an account. I'm trying to download my information on the site. It's not accepting my dispute or any of my information. They are asking me to fax my info but now I'm very particular about doing so because I don't trust them especially after hearing about a security breech. All I can say it's costing me a job and now I'm at risk of being unemployed all because I can't update my address to my current one on their website!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: MA

Complaint narrative:
I filed a complaint with CFPB about this dispute on XX/XX/2021. 
( Complaint ID : XXXX ) Citibank decided in my favor and issued a monetary refund of {$29.00} for Dispute Case ID : XXXX. 

On XX/XX/2021 I received a letter in the mail from Citi 's dispute department stating that the case had been re-opened and advised that if I no longer needed it to be investigated, I should withdraw the dispute. 

Of course, since I received the refund, I needed nothing investigated any further, so I did what they said and withdrew the dispute. 

Now their convoluted system has taken the {$29.00} refund back, with no way to dispute it again! 

I'd like to get this corrected, get my {$29.00} back and finally be done with this dispute.

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 2021-10-12 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: WA

Complaint narrative:
In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and XXXX to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at Transunion and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by Transunion they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.

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 2021-10-12 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: Nelnet, Inc.
State: WA

Complaint narrative:
In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information NelNet after finally receiving NelNets information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my XX/XX/XXXXXXXX was approved through NelNet. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from NelNet 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and NelNet to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to NelNet for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXXXX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my XXXX student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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:
XXXX XXXX is An account on my transunion report. Doctors office agreed to delete from my report once it was paid. I have disputed several times. And I have provided proof that the account was paid. Get this account off of my 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 explanation
Consumer complaint received 2021-10-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Investigation took more than 30 days
Company: Lending Club Corp
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was victim of fraud XX/XX/XXXX. Fraudsters opened accounts in my name. I had lost my capital one credit card at Walmart. It fell out my purse didnt know this. As result charges were made on my card that I didnt make.I hadnt used my capital one card in years and it had XXXX balance at the time this happened. All charges on this card totaling XXXX were not made by me. I have disputed with capital one who claims it was me but will not provide me with evidence they have proving it was me other then statements with charges on it. This doesnt prove anything. I have provided police report and anything else they asked for. Im asking for this to be resolved ASAP this has been going on for years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: NC

Complaint narrative:
On about XX/XX/XXXX I ordered a sectional from XXXX, received it on about the XXXX and they sent the couch and loveseat in brown and the corner piece in gray - I ordered gray. Called XXXX and they refunded the amount and told me to wait two weeks before I disposed of cardboard that this came in - if I didn't hear back then I would keep or dispose of the sectional. While I was on the phone the lady put in a new order for the same sectional but told me that it would be three months as it was on backorder. I said ok at first and then thought about it and went in and canceled that order. 

XXXX refunded the first mistake sectional and then credited my account for the re-ordered one that I canceled BUT- they have not sent this credit over to my XXXX credit card so it is still showing that I owe for the re-ordered sectional,. I have called both XXXX and CITI who is the wayfair credit card and they keep sending me back and forth and have not fixed this yet. Attached is the invoice from XXXX showing a XXXX balance but my XXXX credit card is still showing the price of the sectional on it. I call and they either tell me to call one another or say they will credit it etc. Every time I call I get a different answer. Please help.I don't want to pay for something that was totally sent wrong or a re-order that I canceled.

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 2021-10-12 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: GA

Complaint narrative:
XXXX XXXX XXXX, fraudulently placed an invalidated debt collection on my credit reports. I have demanded that XXXX XXXX XXXX ( XXXX ) remove the debt unless they are able to provide me with full documentation per my instructions to validate the alleged debt as is my legal right under the Fair Credit Reporting Act. 

Furthermore, I disputed the odious debt with Experian directly and they delivered less than satisfactory results i.e. Experian did not acknowledge my legal right or debt validation rather Experian claimed that the debt had been verified. However, as XXXX never sent my any written notification of the alleged debt, instead committed fraud by placing the alleged debt directly onto my credit reports, the alleged debt has never been verified nor validated by 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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like to make a formal complaint concerning Capital One and the QUICKSILVER CARD Recently, I logged into make a payment. While on the site the last few months I have seen the offer for {$200.00} after spending {$500.00} bonus. As my card is new, opened in XX/XX/2021, I thought this applied to me. It has been on the dashboard since the card arrived. Today, I thought perhaps I needed to apply additional information to receive the bonus. Instead, I apparently applied for a new version of the same Quicksilver card? 
Please understand that it is not clear that application is for a new card, which I did not know could exist for the same QUICKSILVER product. Unfortunately, my credit report has now been hit with an inquiry because I did not understand nor intend to apply for this new card. 
I hope this feedback will help someone else not make the same mistake. Please note, I am a graduate student at XXXX XXXX in XXXX, but this was harder to understand than my coursework!

Company response to consumer: Closed with explanation