vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
On XX/XX/21 I converted a bit over $ XXXX of Ethereum to XXXX and it only gave me $ XXXX worth. Then the price went from {$0.00} XXXX {$0.00} and I converted it back to Ethereum and then my portfolio had $ XXXX. I should have made XXXX % profit on the trade minus the 1.5 % conversions. I ended up losing > {$200.00} when I should have made ~ {$1000.00} and now it looks like I made money from the conversion since $ XXXX disappeared upfront for tax reasons. Help? 

$ XXXX ETH -> $ XXXX DNT conversion DNT went {$0.00} to {$0.00} in XXXX minutes. DNT total still only showing $ XXXX $ XXXX DNT -> $ XXXX ETH It should have been ~ {$3900.00} DNT * XXXX = {$5200.00} DNT -> {$5100.00} ETH

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I applied for a Re-fi with LoanDepot.Com, LLC. The loan number is XXXX. I was told by the loan officer XXXX XXXX XXXX, that based on my credit score of XXXX and my income, I could only apply for {$160000.00}. I have a {$65000.00} equity loan with XXXX, payoff my credit card and closing cost leaving me with only {$84000.00}. My credit report shows no late payments from any reporting agency including XXXX XXXX. Besides, with XXXX I'm only a co-signer, therefore, when loandepot requested to payoff the lease on the vehicle, my son provided documents from XXXXXXXX XXXX that he makes those payment and that the XXXX wasn't registered or paid but I. Everything checked out after reviewing my credit and income. Mr. XXXX asked me to pay a fee of {$800.00} for the appraisal. I specifically told him, that my house will appraise for at least {$800000.00}, to tell me if there are any other issues since the loan it's only 20 % of the appraised value. He stated that once the appraisal comes in we can start closing, in fact, I was even provided with a closing statement. 
He sends the file to the underwriter and after a few weeks pass, he ask me to provide payments to XXXX XXXX. As I mentioned, the XXXX belongs to my son. He did provide all payments but since my son was out of work, XXXX waved 2 months due to the pandemic. These non-payments does not reflect on my credit but now they stating that since there are missing payments I will not be able to acquire the Re-fi I was supposedly guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a phone call from the medical company requesting my insurance information which they already had on file instead of processing the payment they placed it for collection with capio partners who is not eligible to collect debt in the state of FL XXXX XXXX is also in violation of my hippa rights by sending my person XXXX information to a debt collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by Navy Federal Credit Union in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$3200.00} and {$4900.00}. NFCU has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 
Please note as that sent XXXX letters to XXXX XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
I have a collection that is reporting on my report that clearly does not belong to me. Being that it is an eviction, it is public record, and it clearly states another persons name and not mine. I have disputed this matter several times and it keeps coming back as accurate. I know that no investigation is taking place because I have submitted a picture of the public record, which shows that this is not mine.

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 2021-01-22 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: TX

Complaint narrative:
I have notified Experian Inc, that XXXX XXXX  XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX has opened an account with a balance and monthly payment. This exact account is factually listed as a closed account. This duplicate account also listed that Ive recently made a payment, which I have not. I have disputed this account with Experian Inc twice, and they refuse to remove this account from my credit 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 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XXXX misrepresented by the dealer, unaware of existing fees, services and products included, incorrect information, falsified alter documents loan agreement and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
In the beginning of XXXX Bank of America allowed someone to open an account in my name online. I was informed of this when a statement was delivered to my residence. Immediately, I called to find out how this happened. After filing a complaint with them, I was informed that the account had been on XX/XX/14 ; however, in the early part of XXXX I received another statement from this account. I called Bank of America again and was reassured the account was closed. On XX/XX/XXXX, I mailed them a certified letter demanding that they immediately close this account. It is XX/XX/XXXX and I have not heard anything back yet.

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 2021-01-22 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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Bankruptcy # 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 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has repeatedly violated my rights .... 


FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS .... 

CFPB Complaint # XXXX & XXXX & XXXX Next step is hiring a lawyer My initial dispute was dated XX/XX/XXXX was a inquiry dispute! 

Disputing fraudulent inquiries in my name. 

-TransUnion REFUSED to do an INVESTIGATION which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed complaints with the CFPB ... ... TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4. 

The following inquiries are unauthorized and not initiated by me : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX  Inquiry Date : XX/XX/XXXX I started the inquiry process in XXXX of XXXX it is now almost XXXX of XXXX and they never started the investigation never I can guarantee that TransUnion is going to leave some generic XXXX statement and never do it again so I see I'll have to see them in court thank you cfpb for documenting all my evidence

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 2021-01-22 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: NH

Complaint narrative:
I have sent paperwork from irs and from one credit bureau proving of fraudulent activity. They will not except it and take it off. LVN funding for a credit one bank. Please help I am a widow and on XXXX  and only get {$1000.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent account on my credit report remove this Fraudulent account from my credit report XXXX XXXX XXXX account # XXXX fraudulent inquiries flagship inqury date XX/XX/2020 Fraudulent inquiries XXXX XXXX date XX/XX/2020 and XX/XX/2020 And also correct my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I've been living at this address for over 2 years

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 2021-01-22 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
The company XXXX placed XXXX accounts on my credit report in the amounts of {$710.00} and {$950.00}. After multiple attempts to get validation of the accounts, the creditor, debt collector, and credit bureau has failed to provide proper information. I only received an Itemized summary of debt owed from the creditor, but no contractual agreement. XXXX of the summaries didn't even provide the full name of the debtor or a signature from the creditor who sent this account to the debt collector. I asked for proof of verification from the credit bureaus and they continue to verify without supplying me with anything but a copy of my credit report. They have failed to provide proper validation of these debts under the FCRA regulations. I ask that these accounts be removed promptly as it is impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I've been trying to get my direct deposit and netspend said they had a problem vefying my idebty when I showed them my id. I just want my money for unployment

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NY

Complaint narrative:
I received a letter from Remex Revenue Management Excellence in New Jersey collection Agency claiming I owed a debt on XX/XX/XXXX but letter was dated XX/XX/XXXX. I replied to their letter on XX/XX/XXXX through Certified mail, asking to verify this debt they claim I owed. I also asked by certified letter that all communication must be done in writing. They had 30 days to respond to me with verification. Before the 30 days, they went ahead and added this debt to my credit report when it was still being disputed. I received another letter from them recently stating that I owed this debt and send me a ledger instead of my request to validate that I in fact owe this debt. I contacted the original creditor and it was confirmed by them that my insurance had paid for this procedure. Remex Revenue Management Collection Agency in New Jersey ( I live in XXXX County ) violated my rights by not providing proper verification pursuant to 15.U.S C. 1692g of the fair debt collection practices Act. They also violated the fact that it was still under investigation and yet added to my credit report causing a negative remark. I continue to dispute the validity of this debt and I ask that they immediately remove this from my credit report. I have read all their reviews and they seem they have a habit of doing this to people. By law, they are required to validate this debt with original statements and or contracts stating that I even owe them ( Remex Revenue Management ) any monies. This account has been sold from one collection agency to the other. Again, they are in violation of my rights pursuant to the debt fair practice act when this debt was paid by my insurance years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 FCU XXXX Balance : {$23000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. XXXX sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.

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 2021-01-22 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: OH

Complaint narrative:
I sent XXXX notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. I have not received a response from this credit bureau nor the XXXX of these accounts. Therefore, since this dispute has not been resolved within 30 days under the FCRA, those accounts and the inaccurate information that were in my dispute letters must be deleted from my credit report. 

My personal information includes : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Had a car through credit acceptance about 8 years ago car was totaled and insurance payed from what I understood, the dealer I purchased from died so I couldnt go back there ... I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again they are lying saying its new and Im still paying on a car so when I dispute it as being old it reposted back as accurate. I cant seem to get any help from transunion bureaus due to this falsehood to remove it. This count shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent as the account was closed.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
COLLECTOR KEPT CALLING MY CELL AND IS COLLECTIONS ON ILLEGAL DET

Company response to consumer: Closed with explanation