vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: TN

Complaint narrative:
Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my Experian credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX / XXXX XXXX - {$1300.00} on XX/XX/XXXX, 4. XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX XXXX date : XX/XX/XXXX, 6.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.

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 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
... As like last year some XXXX XXXX sent a collection notice to collect {$50.00} for my Safety Deposit Box - and as I said in the litter last year - which XXXX XXXX employee ( no name on collection form ) is trying to XXXX the XXXX  year ole XXXX veteran out of a service that it was a gift from Chase because of my service - now the XXXX XXXX ( letter sender ) is threating to open my box and saying my payment is 303 days over due ... ... ... 
... ... ... .so was I lied to and deceived an now your threating to ruin my credit - if any collection or credit bureau has been notified I want all information retracted - real nice way to respect a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/2021 I applied and was granted credit cards from two companies. I also applied to XXXXXXXX XXXX XXXX XXXX  responded DENYING credit based on " a change on my TransUnion credit report.

I then went on line to TransUnion providing all personal information TransUnion requested and then advised TransUnion could not assist me because " something is wrong with our ( transUnions ) system try again later.

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 2021-08-25 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: TX

Complaint narrative:
Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report XXXX XXXX with Experian. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : XXXX. XXXX ( XXXX {$1800.00} ) Filed another dispute with Experian demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit score.

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 2021-08-25 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: IL

Complaint narrative:
I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to FCRA 15 USC 1681b ( a ) ( 2 ). I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on 8/25/21 you responded that you will " investigate ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU EQUIFAX RESPONDED TO ME ON XX/XX/21 THAT " AN INVESTIGATION WITH THE FURNISHER HAS BEEN INITIATED ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation of my rights again. 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I opened a Coinbase account on XX/XX/2021 and they were offering a {$5.00} bonus ( to be credited in Bitcoin ) for verified new accounts. I completed the steps and received confirmation emails from Coinbase, including the statement " Your ID has been verified Your {$5.00} Bitcoin reward is on its way. In the mean time, you can add a payment method and start investing. '' I did start investing and funded the account, initially with {$150.00} and have since added more, and purchased cryptocurrencies on the platform. Coinbase has not delivered the promised bonus.

I contacted Coinbase support and received a series of redundant, " templated '' messages, that say : " As previously mentioned to you, here are some possible reasons you didn't receive your {$5.00} in BTC : -You need to complete full ID verification. Go to https : //www.coinbase.com/settings/account-levels and make sure youve achieved the top level of verification ( all green checkmarks ) -Your account didn't meet our compliance-related criteria ( duplicate and fake accounts are ineligible for this reward ) Once you meet the requirements above, you should be eligible to receive BTC rewards. '' I have confirmed that all three levels of my account verification show as completed ( all green checkmarks ) and this is the only Coinbase account I have ever even attempted to open ; it isn't a duplicate or anything of that nature. I've replied with that information to Coinbase and asked that they advise what about my account might not be meeting their criteria so we can get it sorted out, but I simply get these canned responses back with no actual information and, it seems, no one actually looking into it.

The same offer is still running and other users are complaining about this and other types of bonuses being offered by Coinbase but not delivered ( for example, XXXX XXXX XXXX and XXXX XXXX XXXX ). 

I realize that {$5.00} ( or about {$6.00} in value from XX/XX/XXXX to today due to the rising price of Bitcoin ) isn't a large amount and am more concerned that Coinbase seems to be scamming many customers, perhaps millions, by offering bonuses and not consistently paying them. At best, they appear to be hiding behind their own buggy AI system as if they do not have control or responsibility for it, all the while continuing to promise the bonus even while it's not being paid to many people who qualify. 

Thank you for looking into this issue of false advertising and fulfillment of bonuses promised by this financial platform, on behalf of all the users being scammed by it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is enabling a child support agency to make false reports on my credit report which is affecting my score. I have tried multiple times to rectify this issue by providing full documentation and current payment receipt. Despite my efforts, this child support agency ( XXXX XXXX XXXX ) continues to increase my balance, claim that I have late payments, and continues to report negatively to the credit bureau. 

Equifax has done nothing to stop this agency from doing so. They temporarily removed the agency from my report, only to allow them to go back on it. This comes after a dispute I opened where I supplied documentation and received no further correspondence from Equifax or XXXX XXXX XXXX. Im tired of being lied on and punished despite me making on time payments in good faith. As a consumer and a US citizen this has to be unconstitutional and an unethical way of conducting business. Someone needs to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.

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 2021-08-25 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
XX/XX/2021 my XXXX mortgage payment for XXXX was processed ( as shown on my XXXX Bank Statement ) XX/XX/2021 my XXXX payment was processed a second time as an ACH Draft Contacted PHH customer service and told them was being charged 2x for one payment. They insisted they only were paid once. I went to my bank and they reviewed all documentation and agreed that PHH had in fact been paid twice. I told them I had contacted PHH and they stated they only had processed once. 
My bank initiated a credit for my duplicate charge and that was reflected on XX/XX/XXXX. 
XX/XX/XXXX PHH resubmits another charge for the XXXX payment for XXXX. 
XX/XX/XXXX my bank reverses that charge. 
PHH now requesting again XX/XX/XXXX for this payment of XXXX. I sent them all supporting documents on XX/XX/2021 they stated they needed 30-45 days to review. To date no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sunday night. My card declined. I found that that there is a XXXX transaction that I did not authorized. I was not able to cancel online. Someone hacked my online account. BBT bank failed to protect my money and declined my claim. I was scared that can happened again. I closed the 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 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a citi bank priority checking account that offered a XXXX dollar bonus if I put XXXX dollars on deposit within 30 days of opening the account. account opened on XX/XX/2021 initial deposit XXXX dollars, I had the XXXX on deposit within the 30 day time period. in order to get the bonus the account balance of XXXX had to be maintained for 60 days, I had the XXXX XXXX balance for over 90 days, I was never paid the bonus, I called numerous times after the 60 day time period about the bonus but was told something different every time i called or was disconnected, the customer service is terrible as is there phone system is full of static and people that dont speak english properly, you have to call several times just to get a halfway decent connection, only to finally get a person with a heavy accent

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 2021-08-25 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: NC

Complaint narrative:
TO THE CFPB PLEASE MAKE SURE THE CREDIT BUREAU FINALLY ABIDES BY THE LAW My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.

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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I started using PayPal for a service I provided. I went on a XXXX channel and after people wanted psychic readings. 

It happened unexpectedly. Within 2 weeks 80+ people have contacted me. 

I didn't realize the problems with PayPal before like 21 day holds on funds even after the service was successfully provided. 
They often deny my ability to use my debit card claiming they can not confirm it's me. 

My phone provider is XXXX. The account is in my name. I actually have a physical credit card from PayPal they 9 times out of 10 will deny usage. 

Today I loaded XXXX cash from my XXXX payment through another bank to Paypal and they now are denying me the ability to send money to a friend. I borrowed money because PayPal denying my card left me stranded.

I am a homeless Veteran living XXXX XXXX XXXX. I left my home because we ran out of water. I am currently looking for a new place but funds are short and PayPal is holding money I desperately need.

After I withdraw my {$1000.00} from PayPal I plan to close my account. 
I also will be contacting an attorney as I feel this is preditory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
Found collection account on my XXXX XXXX. I do not have any accounts that are past due. This collection company is listed as : WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

This amount is for {$1700.00}. Under account xxxxx XXXX. The creditor is listed as XXXX XXXX. While I have an account with XXXX, it is not in collections as it is on autopay monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have an account with Capital one credit card company. I have multiple fraudulent charges on this account. I have already submitted a fraud complaint with the company and I have only had this account open for three months with multiple fraudulent charges and first report to my credit report was a late payment. This is very similar to my XXXX  XXXX account. Also the mailing address for the payment receipt is addressed somewhere that is not listed by capital one. Also more XXXX charges and duplicate charges. Most recently is a XXXX dollar XXXX charge on XX/XX/XXXX for an auto payment. This was wrong amount on the wrong day. XXXX XXXX has no record of this charge and are investigating as well.

Company response to consumer: Closed with explanation