vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, I deposited {$100.00} into fiat account to make trades. I immediately withdrew the funds XXXX XX/XX/2021 at XXXX because the way it works is you deposit funds into XXXX account and use that to make trades but on XXXX XXXX, after depositing funds into XXXX and making two trades, they *again* withdrew funds from bank account - which is NOT usual, normal procedure - and this is what made me immediately withdraw the {$100.00} I deposited within a 10 minute time frame.

Contacting Coinbase, they sent 5 emails saying it would take 10 days and the funds would be credited back to account. I NEVER received the " confirmation '' email and it has now been 16 days with no receipt of the funds. I have sent over *10* support emails since XXXX XXXX, but no one responded back until XXXX XXXX, where they asked that I submit a bank statement showing date of transfer through to current. I uploaded this file on XXXX XXXX and sent ANOTHER support ticket and I still have not heard back. I am a reasonable person and understand that these things take time, but the normal procedure for withdrawal from Coinbase fiat account back to personal bank account is the standard 3-7 business days.

There are thousands of people on the internet saying that this has happened to them as well as having their accounts locked with no access to their funds or cyptocurriences and that they can get no response from Coinbase. 

I was told in the email XXXX XXXX that they would send my statement to " Payment Specialists '' who would find the money, but from the comments on the internet, it seems that this never happens as there are many comments on the internet speaking of the " payment specialists and getting no answers or monies returned. 

I joined their platform in good faith, followed their rules. but they are now not responding. All I want is for them to return my {$100.00} to my account as they have been claiming they would. They have given time frames of 3-5, 5-7 and 10 days, and have even closed out a few of my support tickets saying " case resolved.

I have all correspondences, screenshots of my account showing withdrawal and bank statement showing it was never redeposited. I filed a complaint with SEC who then told me that I should contact FTC. I have now filed a complaint with the FTC and am filing this complaint here with CFPB.

I feel that there is something hinky going on at Coinbase and they are not being straight with their consumers. They *NEVER* answer support tickets and are giving multiple stories as to what is happening. 
At best, they are very shortsighted by not having proper, correct customer services. At worst, they are thieves. And while the {$100.00} won't make or break me - it's the principal of thing. 

Thank you for your time. 

Sincerely. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-03-18 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: ERC
State: TX

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 2021-03-18 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: RSH & Associates, LLC
State: TX

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 2021-03-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Westlake Services, LLC
State: OH

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 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 2021-03-18 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: CA

Complaint narrative:
I stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to XXXX  and TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of 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 2021-03-18 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 stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Back on XX/XX/XXXX I filed a complaint through CFPB : XXXX. The Mortgage company is United Wholesale Mortgage ( UWM ) and the loan # is XXXX XXXX XXXX XXXX. The complaint was closed and I thought that the problem was resolved, but it wasn't. 

In XX/XX/XXXX, I was enrolled in a forebarence plan for 3 month because I had a hardship, I was making less money at my job and I struggled with my finances. Then the forbearance was extended 3 more months, and someone at UWM without my authorization ended my forbearance 5 months after XXXX, that meant that I needed to pay 5 months of missed payments and I needed to pay XXXX 's bill ( payment 6 ). With the help of CFPD, they extended the forbearance for 7 more months, a total of 12 months, from XX/XX/XXXX through XX/XX/XXXX, so that was great. But now after speaking with them to make next month 's payment XXXX XXXX, XXXX ) the want me to also pay a little more than {$22000.00} for the missed payments from XX/XX/XXXX through XX/XX/XXXX. I asked them to deferred the 7 missed payments because I don't have that money now, and they told me that they can't do it because they can only do a deferment once. They should defer the 7 missed payments because it was their mistake, they were the one that terminated the forbearance after only 5 months and deferred the first 5 missed payments. I asked to speak to someone that could fine a solution to the problem, and they made me write a email, because they don't accept phone calls, but no one has reached out to me yet. 

I have attached all the information that UWM sent to close the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We sold our home. Escrow refund was due to us. We never received it so we called Wells Fargo Home Mortgage. Multiple times requesting the refund and also our 2020 tax documents so we can file our taxes. Finally received our check. ( Still no tax documents. ) A few days later, we get a letter saying they stopped payment on the check and reissued it. We had received the reissue only. The reissue check does not include interest. In the stop payment letter, Wells Fargo stated they did not include interest as the issue was " not a Wells Fargo error ''. We feel it is. We were due our monies. I do not know if it was ever sent in the first place, but we had to call multiple times to get it and also our 2020 tax documents. IF they had sent it out when the mortgage was paid off and IF it was returned to them, WHY did they not reach out to us? They have an address. They have a phone number. They have an email address. THEY HAVE THE NEW ADDRESS ON THE CLOSING PAPERWORK!! Did they reach out? NO ... they just put OUR monies back in THEIR pocket. The mortgage had been paid late a few times due to XXXX XXXX and loss of job. We caught it up and months later we find someone wandering in the front yard and trying to look in windows. When asked who he was, young man in an unmarked car, he said he was with Wells Fargo and wanted to know if we were even interested in keeping our home. So, when a mortgage is not even late anymore, they scan send a XXXX XXXX out, but when they get mail returned, they don't do anything. We should get our interest monies! They had also put forced place insurance on the home years ago when we HAD insurance. No refund received for this either. The local XXXX, FL branch is closed - for days or weeks at a time. No note on the door, no message on the webside - nothing ... .just closed. And, if someone went to the bank for me to pay the mortgage, the tellers would give them such a hard time it was embarassing. They acted like they didn't want to take the payments!!! This is a horrible bank to deal with.

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 2021-03-18 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: MD

Complaint narrative:
I disputed accounts via certified mail. My letter was delivered on XX/XX/2021. As of XX/XX/2021 nothing has been done. I was also a victim of identify theft and have filed a police report which is being mailed to my current address and I have registered with identify theft.gov.

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 2021-03-18 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: MD

Complaint narrative:
My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MD

Complaint narrative:
My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove

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 2021-03-18 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: UPGRADE, INC.
State: UT

Complaint narrative:
a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I requested a security freeze with Sage Stream on XXXX XXXX but havent received a PIN number to unfreeze or any confirmation number. Im having a problem establishing new credit now because I cant unfreeze my consumer report with this company so my identity is hard to verify. Ive called so many times but its automated and Im not able to speak with a human. Ive even requested a replacement PIN number on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: GFS II, LLC
State: OH

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 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Awar Holding Inc.
State: NJ

Complaint narrative:
XXXX {$2800.00} I have send a letter asking to validate my debt and they just send me a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I finally received an EIEL Loan, after nearly a year. When the money was deposited to my account, I started paying off debts, etc. For the last year, my brother has been paying my bills and leant me money as well. I wrote him a check for {$13000.00}. We both bank at SunTrust Bank. This should not have been a problem. The next morning my account was frozen, and later, terminated. No explanation given. I spoke with at least 20 people with SunTrust, no one knows anything ... .. someone initiated this action, yet no one knows anything. My life has been turned upside down ... .. they say an explanation will be given, only after a review. I have no access to money, no credit card. I have bills, just like everyone else. This is the kind of stuff that happens in third-world countries. Anything you can do, would be appreciated. Thanks, XXXX 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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/XXXX i contacted Suntrust about an online purchase attempt i made on XXXX XXXX with XXXX XXXX  in the amount of {$96.00} and explained to a Suntrust representative that transaction was cancelled by XXXX XXXX on XX/XX/2021, i never received the product, I spoke with XXXX XXXX and was told Suntrust has done this to many customers in the past, where the bank will keep the refunds to add on to their profits in hope that the customer will give up.

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 2021-03-18 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: UT

Complaint narrative:
a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.

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