vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-09 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: FL

Complaint narrative:
Both XXXX and Experian have claimed that XXXX XXXX XXXX has provided them with accurate information with regards to their reporting. XXXX, however, came to a different resolution. 

Im asking XXXX and Experian to provide a copy of what evert statements they have provided to infer such resolutions. I've attached XXXX reporting on the matter. This is a third time ive address both companies.

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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I have a cryptocurrency account with Coinbase XXXX and Coinbase. I received several text messages claiming to be from Coinbase stating that someone has changed my password so I tried to log into my account at Coinbase XXXX but it kept stating wrong password and when I tried to reset my password it was sending a link to the email associated with the account but which I NO longer have access to, because I changed my email to new one and I no longer can access that email associated with the Coinbase cryptocurrency account. So I called the customer support at Coinbase and the representative refused to help me in any way to retrieve my account and refused to help me access my account again. When I called I locked the account so nobody can access my account until I resolve the issue of wrong password. Now I am locked out of my account and since I dont have access to my email associated with this XXXX account then I can not access no of Coinbase XXXX and Coinbase accounts and they refused to update my email to the new one. So if I dont have access to my email account then I lose all my money????? 
This is FRAUD by Coinbase XXXX Coinbase is scamming me by not letting me access my account and stealing my money. This company Coinbase needs to be investigated because they are committing fraud and scamming me out of my money. 
I want to update my email to the new one and have access to my accounts by resetting my password at Coinbase XXXX and Coinbase. 
I want Coinbase XXXX to contact me immediately and update my email and help me log back into my accounts at Coinbase XXXX  and Coinbase The email that is associated with the accounts which I do NOT have access to anymore is XXXX And my new email address now is XXXX I can provide Coinbase XXXX with any identity verification so I can access my accounts again but it is illegal for Coinbase to say I lost my account if I dont have access to the email associated with it. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I deposited {$60.00} cash into my checking account on XX/XX/22 there was an issue with the ATM machine and it said there was an error that occurred and I need to call a number. It then asked how much money did I deposit I typed in {$60.00}. Bank of America gave me credit for the {$60.00} so I didnt call the number to report the issue. 10 days later on XX/XX/22 I received a letter from the bank stating there was a shortage in funds on my deposit so apparently the money got lost or stuck in the machine and they deducted {$50.00} out of my checking account. My issue with the bank is they never did an inspection or investigation on the atm to see if there was any money lost in the machine. I called customer service Ive talked to XXXX different people and kept getting transferred to different associates who were nice but very unhelpful. They wanted to make sure they received a good survey even though they didnt help. One of them suggested I go to the bank and see if they could help me. I went down to the bank and spoke with the XXXX  XXXX XXXX XXXX at the XXXX location in XXXX, SC who refused to help she said I needed to call the disputes number which I had already done. I asked her were there cameras on the machine to see what happened that day and she told me I needed to call the number. She never even tried to assist me or take down my information to see if she could help me with the process or see if someone can do an investigation since it happened at her bank. Im so disappointed in Bank of America Ive been a customer for 23 years and nobody wanted to help me. What happens with the lost money in the atm? Does the bank just keep it?

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 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: IL

Complaint narrative:
This company listed themselves on my credit report. I have not spoken nor received any communications from this company. 




XXXX XXXX XXXX Original creditor : MERCHANTS Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/2022 Original balance {$10000.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name JXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-09 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-09 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Not only is the debt collector calling me 2-3 times a day but they also called my BOYFRIEND trying to collect this debt and called him my spouse he gave them no information. They also have not mailed me anything that shows my debt or the explanation. They have called my boyfriend multiple times at his number of XXXX. They also call me every single day multiple times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
The manager named XXXX has repeatedly shared my account information with a party not on this acct. I have asked XXXX times to stop this. I have reported this to his manager as well as another location manager. I was refused contact with corporate or owner to resolve. The info he shared included threatening repossession to the XXXX XXXX if they didnt pay my acct. I requested that this person XXXX be denied any access to my personal info as well as any further action on his part for my acct and this was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
I am a victim of identity theft. XXXX  XXXX is not my account. I have attached my documents below

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 2022-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX A LATE PAYMENT on XXXX XXXX # XXXX 15U.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 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
A creditor May not payment on a credit card account under any open end consumer report credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NC

Complaint narrative:
Bank of America XXXX of 2017, my now XXXX XXXX used my personal only under my social security number with a secret code and instructions to bank to only use after in person showed XXXX types of ID license, military ID card, and BOA card was used to cancel my plane ticket to Hawaii, and used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I additionally was charged by the XXXX XXXX XXXX XXXX and cab fares from a company in XXXX, and other 's. The airfare was on XXXX XXXX. I notified XXXX XXXX XXXX  XXXX and Police of the child abduction as well as calling in a XXXX XXXX in NY and filed an IA report against the police who did not follow the law regarding parental abduction. The total direct fraud was over {$3800.00} subsequent and prior fraud due to witnessed alleged XXXX XXXX equalled over {$7000.00}. The same person in the divorce proceeding stated he did not have access to the card number nor total while under oath. I contacted BOA to no avail. in 2017 XXXX. A FBI investigation is still awaiting an agent per my response to DOJ for not following up by the FBI in a timely lawful manner. I have a credit consolidation but will not include the fraud, it is stopping me from clearing my once XXXX credit. I was XXXX  due to all the perjury and fraud, mostly due to XXXX XXXX XXXX Sincerely, 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 2022-12-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My XXXX XXXX XXXX is currently being financed and I filed for a state title transfer ( CA to NY ) request in XX/XX/XXXX and was notified online that the entire process should take XXXX weeks. Hyundai Motor Finance received the paper title from California in XXXX and claims to have sent me the documentation requested which was never received to my address. After contacting customer service, I have been told every possible excuse as to why my title which they have been in possession of for 5 months has not been sent to the NY XXXX. I requested that a certified copy be sent to my home address, and I have been told that Hyundai Motor Finance is incapable of certifying a copy and must send the original title to the XXXX which was never sent. I was then told that misinformation and that they can certify a copy and will be sent out. After no movement, I again called and was advised that my request was denied because they only send out the original title but that has to be requested by the XXXX themselves. When I contacted my local XXXX, a XXXX representative called Hyundai Motor Finance and clarified that they do not request information like that, and that Hyundai Motor Finance is responsible for sending me, the client, a certified copy of my title to complete registration of my car. Most recently ( as of XX/XX/XXXX ) I was told that there has been no progress made on my request because only clients with paid off accounts can receive a certified copy of the title, and any situation otherwise ( still financing ) would need the original title be sent to the NY XXXX. I have been trying to get this resolved since XX/XX/XXXX ( multiple calls/week to Hyundai Motor Finance XXXX which is when this request should have been completed by. My registration for my car has been expired for over 2 months now, and I am unable to move or drive the car and must pay for private parking in order for the car not to be towed and impounded by NY state for being unregistered. I simply need a certified copy of the title ( which is legal ) for my car that is being financed sent to my home address so that I can have it be registered in the state of NY and drive-able.

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