vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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.
State: NC

Complaint narrative:
Coinbase.com on XXXX my account was hacked and ~ {$15000.00} dollars was withdrawn to an external bank account. This bank account was added by the hacker. This was not simply a stolen cryptocurrency transaction. The hackers converted all my crypto holdings to USD and withdrew them to their bank account. 

Coinbase support is non-existent. I have gone through their proper channels with filing a support claim only to get canned response emails telling me to secure my account and verify my identity ( i did ). Dozens and dozens of emails attempting to obtain more information about the hack have been fruitless. 

Coinbase has not responded to requests to send me the uncensored bank account information which my USD was withdrawn to. All records refer to this account as ( for example ) XXXX. 

My account has app based 2 factor authorization required to withdraw anything from my account. I believe coinbase has fundamental security flaws which led to this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MA

Complaint narrative:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok Trans union XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

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 2021-08-23 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: MA

Complaint narrative:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MA

Complaint narrative:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXX. Experian XXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX  and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX  and Experian also refuse to remove inquiries on my profile that were not authorized.

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX and Experian also refuse to remove inquiries on my profile that were not authorized.

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 2021-08-23 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: MI

Complaint narrative:
I DID NOT MAKE THESE HARD INQUIRIES. BY LAW YOU MUST REPORT CORRECTLY. EXPERIAN HAS DELETED THE FOLLOWING INFORMATION AND THIS SHOULD REFLECT ON TRANSUNION 'S REPORTING ALSO. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Credit Bureaus known as XXXX, TransUnion, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, TransUnion, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Credit Bureaus known as Equifax, XXXX, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore Equifax, XXXX, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I raised a dispute ( that's a dispute on a closed dispute that was ruled in my favor ) with TransUnion. They solved the error but sent me a report that's completely unreadable. 

Even before credit reports, they have added a paper saying that I've to pay {$10.00} to purchase credit score. 

They updated the status of my dispute results to 'Unknown '. I have no clue how to read that unless I purchase their report. 

Seems TransUnion 's money-making method is to report something wrong, make people pay to resolve. If they don't pay, send them a dispute resolution report that you won't understand without paying. You will understand only if you pay them money. Such a cheap monetization method. 

The resolution document mentioned I can ask TU to send my credit report and score to those that received my report in the last 6 months.

When I contacted TU, they say that it's not possible. Using credit monitoring service from the credit card company is the way to update my new scores at my credit card 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 2021-08-23 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: MI

Complaint narrative:
THE FOLLOWING IS REPORTING IN ERROR. I HAVE CALLED ALL COMPANIES AND THEY HAVE SENT BUREAUS AUTHORIZATION TO DELETE. XXXX  HAS DELETED. TRANSUNION NEEDS TO DELETE. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal 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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A XXXX XXXX XXXX charge was not authorized in the amount of XXXX dollars that was a deposit. Capital One charged my account for XXXX dollars and every time I call in to dispute the transaction hold/deposit charge they never return the money and they dont take the charge seriously. They also have bounced money transfers within the credit card and auto loan payments I have tried to make always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Harley Davidson Financial Services Inc
State: LA

Complaint narrative:
Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JBMCB Chase Card has reported a wrong address on my credit report. I hav never lived in Indiana and I actually live in Arizona. They are refusing to remove it from my credit report. My drivers license is even from AZ as you will see which I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
True Accord Collection Agency-account numberXXXX You currently owe {$930.00} to XXXX XXXX XXXX. 
You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

This debt came from a XXXX XXXX purchase you made. 
XXXX XXXX XXXX  was the lender that XXXX XXXX used for financing. 
XXXX XXXX XXXX  was the original creditor. 
When your debt was overdue, XXXX XXXX XXXX  sold the debt to XXXX XXXX XXXX who currently owns this balance. 
XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. 
That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 
View My Options-Disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/2021 I had completed a refinance application with Ally Financial mortgage department and had to pay {$550.00} to lock in on rate. I was informed that everything far as credit was in order and we would move forward in completing the application process. I was informed that the Underwriting department would have to view my documents before completing the process and was told that the Underwriting department informed that we could move forward. For over a month I was going back and forth and submitting all requested documentation. I was informed that we were approaching the close process and everything looks fine and we would move forward to finalize paperwork and complete before the expiration on the lock in date. I was told that the lock in of {$550.00} would be credited back to me. The process went on for over a month. After a month of submitting all documentation I was informed that my application was denied and my {$550.00} locking rate would not be refunded back to me and would be applied to the appraisal fee. I feel that Ally Financial has poor business practices and very deceptive and misleading information that they communicate to their customers. I feel that they have scammed me and took my {$550.00}. I

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
Care credit is a horrible company. 
I had a credit limit of XXXX that I had specifically requested to keep my limit under 50 % and it was decreased without notification or my knowledge. This resulted in dropping my credit score since it resulted in me having used almost the total limit. I have a XXXX coming up and was depending on this credit line. 
I had missed a few payments due to covid related hardship and had been in contact with the company multiple times working out payments and letting them know what was going on on my end. And when I called to have them help fix this they completely refused. Put me on a nonstop hold after telling me they would transfer to a manager and it would be two minutes at most. 
Im devastated they did this to me. We are all experiencing uncharted waters with covid and to have a large company thats most likely unaffected by my small to them situation is a hard blow and let me down completely.

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 2021-08-23 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: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX processed a fraudulent charge in the amount of {$55.00}. This amount was properly disputed with Capital One which initially credited the account and then despite the fact that the charge was fraudulent, Capital One wrongly re-billed the amount of {$55.00}. 

Also, despite Capital One promising to waive the {$39.00} annual fee, on XX/XX/XXXX, CAPITAL ONE processed a charge for a MEMBER FEE in the amount of {$39.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im absolutely devastated and never banking with Bank of America again!! On XX/XX/XXXX, I had been out with family and had lost my phone for a couple of hours while at a mall / round XXXX bowling. I ended up finding my phone on a seat in the bowling alley. It seemed fine but then I noticed a couple of days later I had {$5000.00} taken from my Bank of America account and sent to a random address on XXXX. I have never seen this address before and filed a fraud claim with bofa. Today, I see they denied it and arent paying me back for the stolen funds. I called a rep and they said its because they sent me a text about the purchase and I texted back yes I mentioned to them my phone was stolen and the person obviously deleted the messages or any emails to alert me!! I want my money back it was a huge amount! I did NOT authorize that purchase and would never purchase such a high amount on XXXX XXXX. I need my claim paid and resolved!

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