vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I am a customer with Coinbase. In XX/XX/2021, my account was locked and under review as i saw an error message on screen and clicked the support link to check about this. 
After dozens of emails and verifying myself, it was only unlocked the end of XX/XX/2021. 
When unlocked, i saw transaction, a withdrawal of {$40000.00}. My account was locked so it was not me. 
I sent another email to them and they locked my account again. For security reasons. It was locked when my investment was taken so i am not sure how this provides any security to my account. 
My case number is XXXX. 
Nobody will get back to me about this but they do send generic emails which asks for a bit more time. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My wife passed away XXXX, XXXX, XXXX. Shortly after, I received a bill from Belk Credit Services. Apparently, unbeknownst to me, my wife had opened an account in my name dating back to XXXX. I have never made a single purchase from Belk and have never even been in a Belk store for that matter. I'm certain if they would take the time to check signatures on the application, purchases, and previous payments, they would concur that none of them are mine. I have contacted them. However, they advised me that I am responsible for the balance. I do not have the means to pay this bill and furthermore I don't feel that I should be held responsible for it. I am XXXX XXXX XXXX and survive on Social Security and a small retirement. 

Can you please advise of options in regards to the matter?

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 2021-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T and they say it will not happen until XX/XX/24! Have untrained workers when you get someone on line to transfer you over and over again? Have cashed checks I reported and filed and notarized papers. So many times teller checks, wire checks same with XXXX XXXX that I have to call again. Sent to a scammer called XXXX XXXX aka XXXX  aka XXXX. lives at XXXX XXXX XXXX XXXX , IN XXXX. XXXX notified, I found this is not a Realtor! And a XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. Cashed by these people and sent to a XXXX XXXX there is so much more. Amts : XXXX XXXX XXXX. This is my retirement money! Also left by deceased father. Help I have reported to all agencies, FTC, FDIC, Inspector General, DOJ, FBI- Ic3.org Now, I am receiving death threats by this XXXX XXXX that lives in XXXX XXXX XXXX XXXX XXXX CA. I have a address of XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX, Ca. XXXX and XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA. 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 2021-09-01 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXXBalance {$0.00} XXXX XXXX XXXXXXXX  {$18000.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$460.00} XXXX-Balance {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 5 unauthorized inquiries on my credit report. I have sent letters and even contacted Equifax directly. I explained to the representative that I had contacted the companies directly already and they all directed me back to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Around XX/XX/XXXX, someone made multiple attempts to make online purchases using my Chase savings account. Roughly a month later this same individual successfully opened a credit line with a credit limit of {$1600.00} to accounting ending in XXXX. Thief 's identity is unknown but I was able to secure their phone number ; XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner at XXXX XXXXXXXX XXXX, XXXX KY XXXX. Has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due, I don't know this company. I have never done any business with this company. This company don't have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit XXXX has been calling harassing me since XX/XX/2021 they repeatedly call from a variety of different numbers I have been asking them to stop the calls even block the numbers and more continue to come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see my related complaint XXXX-XXXX. However, I would like to know what Experian did when investigating my dispute. All of the steps that they took, all of the information that XXXX XXXX XXXX showed them and provided them with - everything that led them to rule that this is staying on my credit report. Pursuant to 15 usc 1681 ( a ) ewho did they interview? I would just like any and all correspondence between experian and XXXX  XXXX XXXX and all of the paperwork that resulted in this dispute investigation being closed and it being ruled it is legitimate and staying on my report negatively affecting my credit report please

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
i have been contacted via email and mail making attempts to get me to pay a debt I do not owe. I have asked them several times to provide me with proof of their claim. I have asked them to provide the contract that bears my signature. I asked them to state specifically what services and or goods they provided that warrant me to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
Equifax, XXXX XXXX, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, equifax, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: IL

Complaint narrative:
XXXX, XXXX XXXX, Experian, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, XXXX, experian, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my 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 non-monetary relief
Consumer complaint received 2021-09-01 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:
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 2021-09-01 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: VA

Complaint narrative:
Equifax is not trying to help me clear this up I have furnish supporting documents please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Under the fair crdit reporting act of 1861A in the exclusion sect. ( b ) it specifically states, " Anything extended or authorized from a credit card shall be excluded from my consumer report. 

A credit card is any card, plate, or coupon book, existing for the purpose of obtaining money, property, or labor services on credit. 

if this collection isnt removed, you will be civilly reliable for reporting this inaccurate and unautorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: IA

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 2021-09-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My husband and I applied for a jumbo mortgage from Ally Bank. We have XXXX credit, putting 20 % down, debt to income ratio ( including the mortgage we applied ) is below 20 %. Our loan was conditionally approved within a few days. I was told that we are just waiting for third parties - appraisals, title, otherwise we are good to go. However, Ally later found out that I applied for the federal COVID related forbearance plan and denied our application. I applied for the forbearance program in XXXX. While I was in the forbearance program, I didn't make my XXXX mortgage payment but I started making payment in XXXX ( made XXXX payments in XXXX ) and XXXX and the property was sold in XXXX, 2021. My reason for going to forbearance was because I was worried about losing childcare services and was considering taking an unpaid leave from work to care for my son. Fortunately, I secured child care and stayed at work full time. The loan officer explained to me that Ally has to look into each mortgage forbearance in the past 24 months but they have an exception for COVID related forbearance. They denied my application the following day. I would like to find out who went into forbearance got approved. In my case, I missed one month mortgage payment ( but caught up the following month ) and my property was sold 3 months before I applied for the mortgage.

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 2021-09-01 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: PA

Complaint narrative:
I checked my consumer resport and I the consumer seen that there was accounts on my report that I did not give consent to be opened under my personal 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 2021-09-01 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:
I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MI

Complaint narrative:
i have contacted these companies several time. Due to hard inquires on my credit report. i have sent my identification to the credit bureau and the companies. every company i have contacted has know knowledge or information about me. i request for them to remove the hard inquire

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX, my spouse is XXXX XXXX. We both have Amex Hilton XXXX Credit cards, with cards ending XXXX and XXXX. The card comes with a benefit that will have {$250.00} credit for each card for Hilton Resorts Booking. I use my card to book a one-night XXXX XXXX XXXXXXXX XXXX CA which is part of Hilton Resort for {$460.00} on XX/XX/2021, and my spouse XXXX XXXX uses his card to book another night at XXXX XXXX XXXXXXXX XXXX CA for {$470.00}, which is posted online at XX/XX/2021. I used this benefit before and the credit arrives within 1 week of qualified purchase, but for these two hotel bookings, It is already one month and we don't see the {$250.00} credit posted on both of our Amex Hilton XXXX credit card account. I called AMEX several times and the representative just asked me to wait. But I don't think waiting for over 1 month and credit does not arrive is a reasonable time frame, and definitely, there is some issue here.

Company response to consumer: Closed with explanation