vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
COMPLAINT ABOUT COINBASE NAME OF ACCOUNT OWNER : XXXX XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX DESCRIPTION OF THE ISSUE : - On Thu, XXXX XXXX, XXXX XXXX I, XXXX XXXX XXXX, received an alert from my Bank of a Withdrawal of {$300.00}, my alert is for transactions above {$120.00}. See Exhibit A - I went immediately to my Online banking and found out that COINBASE did that withdrawal. 
- Immediately I went to COINBASE and found out a few unsettling facts : o My account in COINBASE had now XXXX dollars instead of the XXXX I approximately had. See Exhibit B o There were multiple withdrawals and buys done that day at XXXX +/-, none of them done by me. See Exhibit C o My name was there but all my address information was from someone else. See Exhibit D - I tried to contact COINBASE and there was no way I could contact them by phone, only an automated message telling me they are not able to assist in person. 
- I filed the form they have to complain when we detect unusual or unrecognized activities. See Exhibit E - Please note that when opening my account with coinbase they requested my personal information, State ID, I activated 2 step verification and they verified through my phone, and verified my email. See Exhibit F - I have XXXX XXXX, I have my latest XXXX Update, always verifying I dont have viruses, malware, etc in my computer or browser. Limited extensions added and XXXX XXXX activated. My browser is current as of the date of the issue and all safety measurements have been taken to protect my personal information which is on my computer. 
- Curiously the COINBASE page didnt have a place where I could cancel any recurring charges in case the person who stole my money did it using that option from COINBASE. Coinbase didnt have any tools to track my transactions, COINBASE didnt alert me of selling my money or any of the transactions shown in Exhibit C - All the private information from COINBASE like secret words to access my account are private and no one had access at no time. 

COMPLAIN - How can someone get access to my access to my account without having an alert into my phone or email? 
- How can someone get access and do everything they want without COINBASE noticing any unusual activity? Clearly a person from North Carolina or somewhere else was using my account with COINBASE consent. 
- I want COINBASE to be accountable and return my money because I feel its their responsibility to protect my money, from people who is not ME. I took all the necessary steps. 
- Clearly one of the transfers was sent to an account starting in XXXX and ending in XXXX, that account has to belong to a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I paid my account in full months ago. I requested a paid in full later and for my credit report to be updated. Nothing has been done as yet about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Ive have had problems with XXXX XXXX for sealing consumer funds and then sending the consumer to collections leaving the consumer to flip the bill and stealing funds during bill pay debits taking funds assigned to pay a bill creditor claims never received bank show debit but no knowledge of actual funds making it where you have to pay twice on 1 bill, HSBC I found that money will just come up missing with call center and in branch having little to nothing they want to do to help recovery funds, XXXX XXXX XXXX is the only bank that I give award to for outstanding service great with transfers debits and accuracy XXXX XXXX cool made mistakes in the past but fixed them along the way better customer service reps then previous XXXX XXXXXXXX XXXX as well with accuracy but will bug you to XXXX XXXX with text and emails every 5 mins I turned it off and they still do it America as a Corp great I found little to no flaws with them they are very text book and has always offered the helping hand where fair is due they have maintained fairness along the way so for them that means perfect score the only problem I found was the interest accumulation on taxes if that is not paid in a small t of time it turns into the original balance or double

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unable to dispute incorrect and fraudulent items on my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
Issue summarized : I've been unable to buy/sell crypto coins, withdraw coins, and withdraw my XXXX USD for over 30 days ( yet somehow I'm allowed to deposit USD with no warning funds will be trapped ). I've sent 2 support tickets ( # XXXX, # XXXX XXXX, requested help on Binance US ' official twitter/IG accounts and the Binance subreddit. I only got one reply 2 weeks after submitting # XXXX - attached screenshot - asking 'If you still need assistance ', which I replied 'yes, please ' to, and was never replied to thereafter and left on read. I can tell Binance US saw my plea since I have Streak for XXXX. 

Screenshots attached of my deposit history along with dates and current wallet balance. Although the funds I have on your platform does not seem like a lot to you, it is a huge deal for small investors like me and it hurts that all my funds have been frozen in such volatile market environments like today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I filed complaint XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I request the debt collector closed and remove its trade line from my credit file because I do not have any contractual obligation for Note and Mortgage for XXXXXXXX XXXX XXXXXXXX XXXX loan # XXXX f/k/a XXXX a/k/a XXXX n/k/a reference number XXXX with FHA Case No. XXXX for {$160000.00} for 360 months, 7.750 % ( Fraud Account ), I was never the owner for the property and never received any funds of {$160000.00} or benefit in any way from the loan. 

Debt collector mailed me note & mortgage for fraud account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and willfully lied when they wrote I have a contractual obligation for a property I never owned and a loan I never requested or received funds from. 

After debt collector received my identity theft affidavit, police report, and ID debt collector lied and claim the fraud account had an address error, this is completely false, see attached foia request from HUD closing documents which debt collector put my name and personal information on without my consent or knowledge. 

Debt Collectors has continue to omitted and make material misrepresentation to me and CFPB. This current debt collector claims the received this fraud account from Ditech Financial LLC f/k/a Green Tree Servicng, please see attached letters from Ditech Financial LLC, Green Tree Servicing, and HUD orginal closing file for the fraud account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2021-04-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4 dispute letters to Equifax since XXXX of 2020 asking them to investigate these accounts and I have yet to receive a written a response or see any updates to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cohen McNeile & Pappas, PC
State: KS

Complaint narrative:
I just had a debt collector take {$1300.00} out of my account without ever contacting me. This is for a collection that they took money out before about 7 months ago. After they took the first bit out without contacting me, my bank gave me their contact info to get more information on why they took everything in my account. They said they tried and tried to contact me, but never left me a voicemail. Since then I have picked my phone up for every call or if I didnt I always call back, even if they dont leave me a voicemail just in case this happens again. Also I have no idea why they took out {$1300.00} if they told me I owe {$1200.00}. So they took even more then what they said they were supposed to. Also after the first time I asked them if I could set up payments so I could resolve the issue they told me they would call me back to set up payments. After talking to them on the phone today they told me they dont do payments, but I found their website and found that they do. The guy I talked to was constantly lying to me. They will not provide a receipt or any other documentation when I have asked for it. I have contacted them multiple times about this issue over the span of 7 months and he has denied this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
i bought this home in 2003 for {$140000.00} and right now my morgage statement is showing i own {$220000.00} i dont understand and now one can explain how inowe rhat amount the only thing my collection company which is select portofolio inform me is that they going to put my home on foclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed my good accounts, which I paid off, took over my account that never ever had a late payment, closed it with balance of XXXX, wants me to make payments to them and then makes it impossible to log into to be able to make a payment, in order to create late fees? This all started when they closed my account in XX/XX/XXXX, again the account was not behind or had it been. They closed my XXXX account that had never been late and a care credit account that had a XXXX $ limit never been used,

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 2021-04-10 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: EQUIFAX, INC.
State: ND

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Hi there, Thanks for your help solve my issue with Bank of America. I am a self-employed accountant, I opened a personal checking account in BoA in XX/XX/2021 to collect tax and account services fee from my clients during these peak season. In usual, my client send me the services fee by XXXX or using a paper check. Sometimes my client let me give them account number and routing number to transfer money to my account. 
Bank of America closed my account without any warning. They told me that someone sent money to my account using their unemployment benefit account in BOA, the dispute money is {$400.00}. They not only closed my account based on disinformation, but also detained {$400.00} from my account without my permission. They also sent my information to XXXX XXXX XXXX and other agencies so that I can't open a financial account in any other bank. That made my work and life so inconvenience, I felt so frustrated. 
I tried to reach out to the customer service of BoA and XXXX XXXX XXXX to make a complaint, but no one can help me solve my issue. So please help me to contact BoA and let them make a detail investigation. They were very sorry to me when my clients heard this bad news of me, they are willing to prove that the money {$400.00} I got was based on the accounting service I provided. I can provide the client information if you need to make an investigation. 
It's the second time I fill out this form to submit a complaint, I can't reach out to BoA when I submitted a compliant in the first time. I missed their phone call when the first time, but every time is voice box when I tried to call back, no one answered my phone call. 
Due to the pandemic, my clients, who are most of XXXX guys, they are not good at english, they lost their jobs. So that's why they need the people, just like me to provide tax and accounting service for them. 
So I think the BoA 's decision to close my account was based on incomplete and inaccurate information, that's totally unfair to me. I want them to withdraw their decision and notify the XXXX XXXX XXXX and other agencies to remove my bad records. 

Thank you very much in advance, I am looking forward to hearing from you soon. 

Sincerely, 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 2021-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I recently requested my credit reports and discovered that Capital One has been incorrectly reporting information about a charge off account. There are 50 instances of 90 day late payments. This is FALSE. I disputed it with them via CFPB and they deny that there is any wrongdoing or inaccurate information on my credit report. They quoted 2 dates as being correct and used those two dates to justify the inaccurate information. As of today, XX/XX/XXXX, my credit reports are showing that the last payment was in XXXX. This is false. They acknowledged the account was closed as a charge off in XXXX but deny that the last payment in XXXX is incorrect. I made no such payment and request it be removed immediately. Capital One has refused to work with me during my hardships and consistently neglects to inform me as a consumer of my rights in these situations. In XXXX I was a single mother, also XXXX, and in XXXX school and had less than suitable living conditions. I moved out of state for a better life and repeatedly asked them to work with me on payments which they refused. Since that time I've been working hard at bettering my credit and making the best financial decisions but the damage that Capital One is doing to my credit report is irreparable. I am asking again that the correct last payment be noted on my account which was before the account was closed in XXXX ( logically ) and NOT in XXXX as it currently states. I did not make any payment after the account was closed in XXXX. I have attached files to show that no such payment was made. Capital One has also reported to XXXX  that I have 90 days late a total of 50 times. This is completely reckless and has done absolute and total damage to my overall credit. My next step is litigation.

Company response to consumer: Closed with explanation