vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an XXXXt that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to XXXX the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Without notice, On XX/XX/20 an Inquiry was placed on 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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My car was totaled in an accident in XXXX. My car was financed through a company called Santander Consumer USA. The insurance company paid Santander but the remaining balance was never written off. I called Santander several times over serveral years inquiring about the balance remaining on my account and was told that it would be and should have been written off after receiving the insurance payment. The account was charged off instead because of the age of the account. I checked my credit report and found out that someone from Santander is sending charge offs for this account every month. There were 62 charge offs and 63 charge offs the last time I checked my credit report. I only had one account with this company and there are now 63 charge offs for this one account. I am being harassed by this company. The credit bureaus show this account as closed with a balance of {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I contacted TransUnion the week of XX/XX/XXXX to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with TransUnion to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. 

This is effecting my credit worthiness and my FICO score. 

In addition to that, I noticed that TransUnion added missed payments to my XXXX account today, XX/XX/XXXX, that is paid and closed. Please remove what you added today since the account is closed and the missed payments are effecting my FICO score. 

TransUnion continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau. 

Last but not least, I reported to TransUnion XX/XX/XXXX that I surrendered the XXXX with XXXX XXXX XXXX and that the reporting balance was inaccurate. Instead of TransUnion changing the status of the account they reported it as charge off and added a missed payment. I contacted the creditor with a notarized certified letter and still no cooperation from the company. The inaccurate, unverified information is effecting my credit worthiness and requesting to be removed and/or deleted.

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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I have a complaint about the company coinbase. They are an online platform for purchase of different crypto currencies. I signed up with them on or about XX/XX/21. 
Long and short of it is that they proved useless for my purposes of investing. Have been simply trying to get my XXXX deposit back and have not been able to do despite repeated efforts to do so. 
Now my account with them is locked and they have my money. I want nothing to do with them any further and just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for the XXXX XXXX Chase rewards XXXX miles card, late XXXX early XX/XX/XXXX and was denied. I had a XXXX credit score. I currently have an ongoing collections dispute with XXXX which is the only negative on my credit report. I received the denial letter dated XX/XX/XXXX which is also the " Date calculated '' of my credit score on the letter. It stated if I have any questions to write to Lending Services at JPMorgan Chase Bank, N.A. XXXX XXXX XXXX XXXX DE XXXX of which I did approximately the first week of XXXX. The letter does NOT state to write back by a certain date. I called Chase XX/XX/XXXX to allow time for a response, as we all know USPS mail has been delayed. I sought an update on my letter but the representative told me that because it's over a month the record has been deleted and she could not help me further and stated I could apply again but of course that could hurt my credit so I declined. This is a blatant disregard, offensive and a vulgar lack or responsibility to the American consumer to not even provide a response to my letter. The reference # on the denial letter is XXXX. I have attached my letter which contains all pertinent information for Chase to reconsider the unfair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express Fraud Can not contact institution Identity Theft Cell ported number Bank Fraud Negotiations with Impersonating American Express representatives contact/email/chat Fraud Fraudulent XXXX Charges No dispute adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
The head of the list complaint is about coinbase.com and XXXX XXXX I opened an account with them made to deposits one on XX/XX/XXXX for {$1000.00} 1 on XX/XX/XXXX for {$2200.00} I and vested it in to XXXX XXXX about a week after I invested at there was almost {$200.00} that seemed to vanish I tried to email someone I got no response after a couple of days I went on to close my account and I was on able to access my account I tried to call the phone number and it is a non human phone number and it is only used to report fradulent activity on your account so I did freeze my account in hopes that there was going to be no more money missing from my account or it be just out there doing whatever it was gon na do and I can't see it it's been 2 weeks now they have emailed me back finally telling me the steps to re gain entry into my account and it tells me all kinds of different things from this is indeed computer you used you entered the wrong information or the best 1 lately has been the system is down please try again later and then underneath that there is a button to track problems with the system I had it says there are no issues going on so I have tried for 8 days to get ahold of somebody and resolve this issue and we get my money back and closed this account out but I have not been able to access my account what so ever and he response time is just really ridiculous Li long for money being invested somewhere and there being an issue. I ended up getting a link to their XXXX page and I was alone away by some monkey comments on XXXX page and how many people have had this problem with them getting their money back money messing not being able to get back into their accounts how are these people even in physis anymore has no one else complained? 
I tried calling me XXXX 1st and of course XXXX XXXX coin base all of these fly-by-night investment companies are not watch over by the SEC which also was mind blowing but they were kind enough to give me your email address and the FTC I have filed the complaints with both of you but now after trying for 8 days to get resolution with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. LVNV/XXXX/Resurgent Capital knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. LVNV/XXXX/Resurgent Capital failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. LVNV/XXXX/Resurgent Capital communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions LVNV is having on my life and would like a quick resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
Mountain run Solutions are reporting a debt that would have been over ten years old if it were true. I have not had any contracts or services with XXXX since XXXX and do not owe any money. Original contract started in XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I consumer XXXX XXXX never contracted in any transaction with PROCOLLECT INC yet they are harassing me about a debt. They have committing multiple violations against me. Ive invoiced them regarding the violations against me via sworn AFFIDAVIT. They have caused injuries to me with there erroneous claims.

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: UT

Complaint narrative:
My case worker received the information on this debt. I believe that the original creditor is trying to collect the wrong amount of {$1500.00}. These charges are for damages made after a tennant moved from there residence in XXXX. I was renting that same trailer in XXXX. There trying charge me for damages that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Recently received notification of an electronic funds request. 

Closed Bank of America Account Identity Theft External account access to account Fraudulent mail correspondence Cell ported number Can not contact Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. XXXX/HSBC/XXXX  XXXX knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. XXXX/HSBC/XXXX  XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. XXXX/HSBC/XXXX  XXXX communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions XXXX is having on my life and would like a quick resolve.

Company response to consumer: Closed with explanation