vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Dear sir/lady : I invested some money in Coinbase.com to operate with cryptocoins. 

Coinbase did lock my account during about 5 months ( from XX/XX/XXXX thru XX/XX/XXXX ). That is, they DID not let me recover my money during 5 months. 

My account was locked for no reason whatsoever. The did not send me any explanation nor attended my complains ( I opened 5 tickets ). 

The time when my account was locked was a period of high increase in cryptocoin value. Many other clients were blocked at the same time. I have a strong suspicion Coinbase simply operate clients money as they like, blocking your account when it holds a high value and releasing your account when market is down. 

There are many cases reported in forums : https : XXXX https : XXXX My account was released in XXXX. I got my money ( what was left ) out right away. 

Please take a look, I think this is just a fraud. 

Best regards and thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-16 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: GA

Complaint narrative:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

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 2022-01-16 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: GA

Complaint narrative:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

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 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX XXXX XXXX XXXX ( webbank company ) was paid in full and I requested that the account respectfully be closed as " paid in full, closed at consumers request ). I fought back and forth with petal in updating my balance and closing my account. I ended up mailing correspondence to transunion credit bureau with my last petal statement, proof of payment, and a paid in full letter from petal. Transunion reached out to petal to confirm if my documents where all accurate. Petal card reported to transunion that the account for XXXX XXXX had not been paid in full and was still open, violating the FCRA

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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I qualify for loan forgiveness under the temporary pslf. This was in effect before the XX/XX/XXXX waiver, which I also qualify for. 

Fedloan has noted my account that some loan payments qualify for XXXX, and some don't. There are payments missing. 

I've made payments on the loans since XXXX, and have bad them consolidated as Direct loans since late XXXX. I am not entitled to forgiveness and a refund. The payments were auto debited, I did have a payment due for each payment made despite fedloan showing no payment due for 13 months. 

I called to ask about correcting the count. I was initially told that FedLoan would eventually do it. I explained a couple times that I was already entitled to forgiveness and wanted to be done with it, and requested a recount multiple times. I was then told it would be requested in their system, but that there would be no way for.me to verify online that it was going to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: AMERIS BANCORP
State: MO

Complaint narrative:
I took out a loan in XXXX with Ameris Bank for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and Ameris Bank illegally re-aged this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have contacted both credit Bureau and company reporting fraudulent accounts on my report i filed police report multiple times i disputed information and also notice this is effecting my credit negatively on two ways not only are the accounts fraudulent they are reporting closed accounts as open and thats a valuation also in its self i demand that it be removed pending a proper investigation and original documents and signature be provided. Lvnv funding llc and cache llc/ resurgent corp collection agencies both ignore my complaints and abuse and violate my rights and has not been held accountable after being informed of this fraudulent reporting. I ask that the accounts be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I took out a loan in XXXX with XXXX XXXX for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and XXXX XXXX illegally re-aged this debt.

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 2022-01-16 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I opened a savings account via PentagonFCU website on XXXXThen via phone call, a Checking, Line of credit, and XXXX  with Pentagon Federal Credit Union on XX/XX/21. During that call they needed to run credit for the XXXX  and the XXXX. I asked if this was going to be 1 inquiry and was told yes. In seconds the credit was pulled and no issues. XXXX  was approved instantly as was the XXXX. I was opening all of this because they advertised a very low interest fixed rate XXXX on their web. My score is in the XXXX 's with 1 inquiry that was dropping off in XXXX With my score high and almost no debt, expected the good rate. On that same call, they came back with an outrageous rate around 15 % for the XXXX. I cancel the XXXX  application and initiated the termination of all accounts. I was going to switch credit unions but felt offended, bait & switched by them and their interest rate. A few weeks later I checked my credit report and find that they have dinged my credit twice, once for the XXXX and once for the XXXX. I called them and filed a dispute, telling them that I was told only one inquiry would take place during that initial call. The dispute has taken over 90 days. I have called multiple times and seem to get nowhere. I even told them I'm ok with one inquiry but they need to remove one. I've been told in XXXX, via a call into Customer service that the sent a letter to me with resolution but I never got it. I called back to get another sent but still no letter. These now are the only XXXX inquiries I have and would like 1 removed. I don't understand how they could ding me twice for the same institution, on the same call. They should have centralized credit instead of each department pulling credit needlessly.

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 2022-01-16 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:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My phone was stolen and money was sent from my cashapp account to someone. When my phone was found and returned to me I requested refund from the cashapp app and I have not received anything back. I have asked cashapp to protect me and they said there was nothing they could do.

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 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union has been very unprofessional to me. The account was opened in XX/XX/2020. And a XXXX loan was obtained with, and deposited in, it. The account was immediately restricted and I was denied access for 30 days due to suspicious/fraudulent activity. I was accused of being part of some group that scammed NFCU based on both my work computer and personal cellphone hardware ID. Their security department told me its not your money anywayyou cant do business with us because you defrauded us in the past. After 30 days of providing everything they requested, they eventually released the restriction. However the investment opportunity for which I obtained the loan was lost. 

Today, I received a text and email of suspicious activity on my account and yet again, my access to the account is blocked. The text and email express the urgency to contact XXXX XXXX immediately, which I did. Only to be told that the Security Department is closed on Sundays, and doesnt open on Holidays ( XXXX ). So, Ill need to call back on Tuesday. So I wont have access to my account/money for 48+ hours. If this was my only account, I would be completely helpless and left with zero financial means. This is unacceptable and a very poor way to treat consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to get dispute items on my Equifax credit report for 9 months. Every time I call Equifax no one from the company can access my report. I have ask to speak to supervisor or anyone that could help and Im always told that they can not pull a report for me. Ive also been told it was an error on Equifax part and it would be fix. As of today Im still having the same problem. Equifax can add things to my report but cant find my report when I call. This is very frustrating that it cant be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Hi. I paid for my credit report initially on XXXX/XXXX/2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of ACCOUNT RESOLUTION COR with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: GA

Complaint narrative:
So, we have had service with XXXX for almost a decade at two different primary residence. We sold our house in early XX/XX/XXXX, and moved my family ( XXXX young daughters, XXXX wife, and myself ) into my parents basement for XXXX  months while our new house was being built. 

In the meantime, I called all of my service companies ( cable, power, security, etc. ) to let them know about the move. They were all great, with the exception of XXXX. The customer service rep said I could just take the equipment since it was basically paid for and contact them when we move for new service. They informed me that they would suspend service since we werent under a contract and we could reinstall at the new residence. 

During the in the basements months while we were awaiting our new house to be built, XXXX constantly harassed me to pay them, saying I broke a contract - which I disputed even existed. Finally, I spoke to a supervisor who said they would handle it and I shouldnt be bothered again. They apologized and said they hope Ill consider using them again once I move. 

I thought it was taken care of until I received a letter dated XX/XX/XXXX from Tate & Kirklin Associates , Inc. sent to my parents address, informing me that we owe {$730.00}. 

This is a bit outrageous, as we were current with our payments ( never missing even one ) when we moved. I was informed we didnt need to worry about this and it was an erroneous item from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.

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 2022-01-16 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: MO

Complaint narrative:
Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on Equifax and a balance of {$260.00} on Equifax and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
XXXX is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on EXPERIAN. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you

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