vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Currently I am dealing with the second account restriction in less than 3 weeks with Coinbase. 

Im sure you receive lots of complaints regarding Coinbase, however their support is unresponsive. I have done absolutely nothing wrong and they will not disclose why they have restricted my account or what I can do to get it unrestricted. They are holding my money XXXX. 

I was able to get it resolved 2 weeks ago, but they recently restricted me out of nowhere again a couple of days ago. Im a fully verified ( KYC ) user with the highest level of verification - government ID and address/DOB provided to Coinbase. Other than general trading on their platform, there is nothing I could have done to get a restriction. 

Coinbase will not assist me or provide any type of transparency regarding this issue. I am asking for your help. 

Coinbase case number XXXX Coinbase complaint case number XXXX Best Regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
XXXX XXXX bank has 3 credit cards in my name and all 3 of them have been placed as an abstract judgement on my property as liens, I have told XXXX XXXX that i did not take out any credit cards with them and they have removed the debt off of my credit report i had no idea there was an abstract lien on my property for all 3 of those i never received any paperwork or summons or anything so i did not know they were there, I am selling the property and i am supposed to close on the house on XX/XX/21, I called their firm Glasser and Glasser and they are giving me the run around to get this lien released, i can not wait 30 days as I close on my property on XX/XX/21, every supervisor and rep is giving me a hard time, nobody calls you back when they say they will, I told them I was contacting the CFPB they didn't care I need this resolved ASAP my social so they can locate me is XXXX the address this is on is XXXX XXXX XXXX XXXX Va XXXX my number is XXXX I need someone to contact me ASAP to clear this matter up as Glasser and Glasser will not answer me nor help me please help execute this issue. Glasser and Glasser put abstract judgements on my property and these credit card accounts are not mine, I contacted Glasser and Glasser and they are giving me the run around. I discussed the urgency with them and they just disregarded my situation and urgency and this issue has to get resolved, specially since none of these credit cards belong to me its identity theft and i don't even know how they were able to get abstract judgements on my property either, I need this matter urgently taken care of and i need a response ASAP, i will make this issue go viral if i need to to get the help that i need please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I initiated a dispute with XXXXn because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and XXXX  reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ capital one that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting Capital one and dealing with credit balances and payment inaccuracies since XX/XX/2021 with CAPITAL ONE. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I initiated a dispute with XXXX  because they inaccurately reported a balances on 2 of my XXXX XXXX accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and Experian reported the balance of {$590.00} with a {$800.00} credit limit. On the second account XXXX  reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint.

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX  XXXX. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.

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 2021-08-13 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XXXX  and Navy Federal Credit has been reporting inaccurate information and have not deleted it. This information is not accurate and it needs to be deleted. After being notified about the errors.

The errors are : 1.Navy Federal Credit Union account number on XXXX  Corp credit file is inaccurate it does not begin with 5. 
2. XXXX Rating key section shows Im 90 days late on XX/XX/XXXX. This is inaccurate because account was closed on XX/XX/XXXX. 
3. Account type is inaccurate it shouldnt be revolving on a closed account. Account closed on XX/XX/XXXX. 
4.XXXX  XXXX has been notified on XX/XX/XXXX about the errors listed above. 
XXXX  has not done reasonable investigation after literally seeing these errors. 
A copy of XX/XX/XXXX credit report from XXXX  still showing errors I'm mentioned above. I will enclosed this document to show both of them being very disrespectful in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am a client of XXXX XXXX a debt consolidation company. They settled an account with XXXX XXXXMidland Credit Management in the amount of {$2600.00}, from the original {$5700.00}. The debt has been fully paid on XX/XX/XXXX after monthly payments starting in XX/XX/XXXX of {$100.00} and the final payment of {$120.00}. I got an alert from XXXX and XXXX  that received a negative file on my credit report from Midland Credit Management in XX/XX/XXXX. Upon checking it is for the remainder of my balance that was previously settled upon and no longer owed. Midland Credit Management is trying to go back on their settlement and receive the entire sum which is not the agreement with myself or XXXX XXXX. I have contacted XXXX XXXX and they are also aware and fighting this, Ive contacted Midland Credit Management and they just try to bully me and not tell me what the debt is for only that it is my debt and that it is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors 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 non-monetary relief
Consumer complaint received 2021-08-13 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: PA

Complaint narrative:
I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I was unable to access my account on the morning of XX/XX/XXXX as the market was tanking. This event re. Coinbase was widely reported across major financial media on that day and in subsequent days. I also had trouble selling in the days after when prices recovered a bit and had no problem later on when prices went down. I also was unable to withdraw money on that day and in later days. Numerous slow emails back and forth to their " support '' were not terribly fruitful and I did file a formal complaint. Their " formal complaint '' process dragged on for the last almost two months and I did receive an email from their Chief Complaint Officer or something like that admitting some measure of fault and offered me ( and indeed sent to my account before I replied and/or accepted their offer ) a whopping XXXX BTC which was about {$300.00} ( seems to be depreciating these day ). I didn't feel like this was commensurate with my loss of about XXXX ( and that is not counting the approximately XXXX in fees ) so am now engaging in the required arbitration proceess which I unknowingly agreed to when I signed up for an account. Their sign-up process is an interesting aside- very quick you just click a box - all in the interest of easy onboarding. And why did I sign up with fee-hungry Coinbase in the first place? Well, I thought this sort of thing only happened on free apps like XXXX ( and I wouldn't go near XXXX for obvious reasons ) and that I would be able to access my account at all times, and particularly in times of market volatility which are a feature, not bug of the crypto market. I have all that I am saying documented with screenshots ( account balance before/after, error messages, tweets from their Chief Product guy and support on XX/XX/XXXX itself- the comments and replies to those tweets are instructive and reveal many disgruntled customers ). Another side issue is that I, as an non-accredited investor, was able to invest unlimited amounts up to XXXX per day- great for the Coinbase business model but I admittedly have no business doing that. In that quick onboarding, they ask nothing about income, net worth, etc- which is standard for literally every other type of investment but not in crypto- which arguably should have greater or at least some guardrails. 
Also, if you have never used Coinbase you should experiment with a small amount- the sort of slot machine/casino-ification of their product design is quite remarkable and 100 % intentional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors 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 2021-08-13 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:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2021-08-13 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: FL

Complaint narrative:
As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: DE

Complaint narrative:
My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : XXXX, Transunion, 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 2021-08-13 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : Experian, 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 2021-08-13 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: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I began working with AmSher & XXXX XXXX in XXXX of this year in order to rectify a debt that erroneously appeared on my credit report prior to closing on a home. AmSher states that they were directed to collect this debt on behalf of XXXX XXXX. 

I have received documentation from XXXX stating that the issue has been rectified and my name is no longer attached to the account in question ( see attached letter ), however XXXX  and XXXX XXXX credit reports still show this debt in collections. AmSher says that they put in a request to have this account removed from my credit report on XX/XX/XXXX. 

I am asking that the credit reporting services & AmSher please remove this account and any record of it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXXXXXX XXXX  Website using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. 
My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website. ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. 

I have contacted cashapp previously and they have not been willing to conduct their own investigation. I reported the indicident to the police Case number : XXXX Officer : XXXX  Badge Number : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX MD, XXXX I have also reported this issue to the FBI 's IC3 department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Holding IRS Child Tax Credit funds XX/XX/2021 unable to answer questions on why funds not available. IRS portal contacted to track funds bank information fell in question, needing 48 hours for review. I also contacted Chase rep stated '' being distributed thru out the day " how ever the IRS send out the payments ... I didn't see anything on the News that stated that, so once again I ask my self is it me or Chase have something much bigger going on .My kids have school XX/XX/2021 .The XXXX acts or getting on my nerves. What gives JP Morgan Chase to hold and distribute funds when it feels the need?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: DE

Complaint narrative:
Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.

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 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
hi my name is XXXX XXXX, I have been having issues with both my peronal checking account with chase and my email account with XXXX. So basically what keeps happening is my information keeps getting hacked and this now the third time its happen. My money has be stolen before transactions have had happen. as far as my email and bank account my passwords and ids hvae been changed alot so I cant access my stuff. 

The best way to reach out to me is my cell number XXXX.

Company response to consumer: Closed with explanation