vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
I have an account with Coinbase Inc a crypto currency exchange company. I sold my crypto currency coins and converted to USD cash, the amount of the transaction came out to {$19000.00}. This money, my money, has been sitting in my account since XXXX I have asked Coinbase to transfer the total amount back into my checking account they have yet to do so despite my repeated requests to do do. Attached are several email responses from Coinbase to my requests to transfer my money ; Case # XXXX XXXX Hello XXXX, Thanks for contacting Coinbase Support. 

We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. 

You can sell any cryptocurrency you currently have on Coinbase, and once the funds are available, you XXXX withdraw them to your linked bank account. 

We're not able to provide you with any additional information at this time. 

Regards, Coinbase Support XXXX Hi XXXX, We've transferred your case to a specialist who will be able to further help with this issue. 

We currently have a high number of requests, but our team is working hard to quickly get to yours. We will contact you as soon as your case is reviewed. 

In the meantime, if you have any other questions, replying back to this email is the best way to get an update submitting another inquiry for this issue will cause further delays. 

Thanks in advance for your patience. 

Regards, Coinbase Support ref : XXXX : ref Previous to all of this I opened a case number with CFPB ( XXXX ) because Coinbase in early XXXX locked me completely out of my account for over 2 months. I could not log in, I could not talk to anyone there, I received no responses to my email request to allow me access to my account. They finally unlocked my account but told me I could no longer buy or sell crypto currency. At that point I sold my coins and now I'm being prevented from access to my cash. PLEASE PLEASE PLEASE help me this company is causing me to lose sleep and I'm getting ill over all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since I started having Bank of America I noticed how my transactions disappear and the money I have available doesnt add up. For example on XXXX when I went to bed I had {$140.00} in my account, when I woke up there were no new transactions but my work check deposited and there was XXXX. I should of had XXXX in my account but the bank is charging me twice for transactions that are processing and already taking out of my available balance. Another example XXXX took {$16.00}, and {$100.00} twice out of my account unauthorized. There still is a processing XXXX on my account and the other one disappeared. The XXXX XXXX gave back to me but for some reason both of those transactions are missing from my account. How can they erase my transaction history

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 2021-03-19 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: FL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a phone off XXXX marketplace and paid my seller via XXXX on my citi application. When the phone wasn't delivered and seller blocked me I contacted the bank while payment was still pending to stop it. The bank dragged me in calls and forms until payment was cleared. I tried contacting XXXX directly but because I used the service via my citi app the only entity to contact them was my bank who kept on repairing contact ur seller despite how many times I repeat that I am blocked nothing happened

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute on XX/XX/XXXX. Child support enforcement accidentally reported that I was 60 days past due but my account was never past due. The child support enforcement immediately updated that I am current on my account but Experian is still reporting as previously 60 days - past due ( but current ). This information is inaccurate, as I have never been past due. I also submitted a letter from child support to Experian on XX/XX/XXXX showing that I was never past due. It has been a hassle reaching a live person to assist me in this matter, as Ive been denied for a car loan due to this matter. I also must share that after trying to get through to a live representative, XXXX at XXXX works the switch board, has yelled at me and disconnected the call on XX/XX/XXXX when I asked to be connected to the correct person. This is extremely unprofessional and I would like assistance as soon as possible.

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I and my husband have a checking account with Chase Bank. The checking account is for my husbands salary direct deposit from XXXX XXXX University. He and I are both professors at XXXX XXXX University. We went to the bank branch ( Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) on Thursday XX/XX/2021 to get a cashier 's check for the amount of {$110000.00}. Earlier that day, we opened a new account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Our purpose was to transfer the funds to XXXX XXXX XXXX to work with them to get a mortgage. XXXX clerk asked us all sorts of security questions, requested ID and we provided all and answered all. They asked my husband what is my SSN? They then asked why we need the money.The clerk was snickering and teasing us and I was so upset that i left my husband and sat in the car for a few minutes. After all sorts of questions, they said we can not provide you the cashiers check, because we don't know what you want to do with the money. They said we need to stay in the lobby in a very offensive tone and very disrespectfully. All other customers were looking at us like we were criminals. The bankers were saying how do we know you are not fake. We insisted that we need to deposit the money in another account. It took more than an hour until we asked to meet with the president of the branch. We eventually met with MrXXXX XXXX XXXX who kept saying we dont know whether you are real owners of the account. I finally showed him documentation that we had opened an account in XXXX XXXX XXXX and he said he could wire transfer the money. He said we can not give you the cashiers check, but we can do wire transfer. I asked if I am a fraud, how do you trust this piece of paper that i present to you as my account in other bank, but you do not trust myself as an individual and owner of the account. He said we can not give you the check. My impression was that it was all racial profiling and my ethnicity. I am an American Citizen and have entered and lived in this country legally for more many many years. I do not deserve to be treated like a criminal. I am an educator and a professor and have contributed to the community all my life. The fact that they withheld my money from me, is absurd and unacceptable. I cried after i left the bank in the car because I was embarrassed in front of other people and I felt terrible to be treated differently and like a criminal. I have spoken with my attorney and he has suggested that I first file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: FL

Complaint narrative:
I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.

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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Allied Collection Services

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 2021-03-19 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: FL

Complaint narrative:
I was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
We are refinancing our home and our bank stated there were two outdated phone numbers on my account ( one old home landline and one old employer number ), and these needed to be fixed before the loan could be processed. I tried numerous times to contact equifax on the phone and they would not verify my identity over the phone. They asked me questions related to my accounts and I was reading directly off my credit report. They wouldn't be specific any what they actually wanted. They wanted minimum payments on a credit card and they asked if I ever had a credit card or store card or loan. They would provide a time frame they wanted. After 37 years of marriage, we have had many loans but they wouldn't clarify what they actually wanted. I asked for a supervisor and she wouldn't try either. I had no problems changing this information with XXXX and XXXX. This delay is creating my loan to be held up and my interest rate on the loan to increase. The other companies asked for my pin and the answers to my security questions. Equifax would not verify my identity even with my name, birthdate, SS #, address, zip code and reading the information to them off the XXXX report. 

The customer service was rude and unhelpful. I called again today after faxing my information to them 2 days ago and they still wouldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: MA

Complaint narrative:
A representative from Discover called me at work, I work in a hospital and can not get personal calls at work. I had already told Discover that I can not be called at work. The representative spoke to one of my co workers, said that he was from Discover and that it was about my account. The representatives name was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: VA

Complaint narrative:
I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and XXXXhe case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with US BANK with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2021-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I borrowed money from Loan Me XX/XX/2017 for unexpected household emergency. I began repayment as agreed and paid over half of the loan amount back to Loan Me over the next several months. Loan Me charged me triple the interest on my loan and after paying half of the loan amount back in a timely manner I still owed more than the original amount borrowed. I contacted Loan Me several times to resolve this matter and they refused to agree to a settlement. Now 3 years later they have a wage garnishment and 25 % of my salary is being taken from my paychecks after being unemployed for nine months because of Covid 19. The total amount that they are garnishing from my paycheck is {$2800.00} which is only {$190.00} less than the original amount borrowed three years ago. However, I have already paid over {$1500.00} of that original debt back to them. These fees plus interest are excessive and over the usuary law in the state of California! Loan Me is a company that takes advantage of people in desperate situations and exploits them. What Loan Me is doing to me as well as many other Americans is abusive and should not be tolerated!! I am a single dad of XXXX and already paying 25 % of my salary for child support. I can not afford to take care of my child with this wage garnishment being removed from my pay check! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a mortgage with Santander Bank under a special FHA program. I experienced some financial issues back in XX/XX/XXXX and XX/XX/XXXX where my hours for work were reduced due to weather because I work for XXXX. So during those months I had two bounced checks for my mortgage. I paid XXXX late in XXXX, paid XXXX on time and XXXX was paid on XX/XX/XXXX. When XXXX XXXX check bounced I called and a representative tried to get me to go into forbearance, I actually agreed but I did not understand all the details so I called back to cancel the program. Today I called to make my XXXX payment and was told that my checking account has been blocked due to insufficient funds transactions. The only way I am allowed to pay my mortgage now is to go to XXXX XXXX and pay almost {$20.00} fee or get a certified bank check and send it via mail. I asked the representative if this was happening because I made an error requesting forbearance? She said no it is two different processes. Then I asked why did the bank accept my XX/XX/XXXX payment and they said because it was for XXXX XXXX payment.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Care Credit A.K.A.Synchrony Bank is scamming its customers. If like so many others due to Covid we became late on our payments. We have been trying to get caught up. Care Credit A.K.A. Synchrony Bank is making it impossible to catch up or pay off this debt. 
We have been trying to make payments as agreed to catch up. But Care Credit is charging more in fees and charges each month than what our payment is and accruing more interest than the payment is. Making it impossible to pay off the debt. 
We have asked by phone several times for payment arrangements to stop the interest and pay off this debt. But Care Credit A.K.A. Synchrony Bank refuses to cooperate or allow us to catch up on payments or pay off the debt. 
The charges and increasing interest on this account will never allow us to catch up or pay off this debt. This company scams people by not allowing them to ever pay off the debt. 
Their actions should be illegal to trap consumers in a credit card debt that can never be paid off and not from the consumer 's lack of trying but from the companies greed and inconsideration.

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 2021-03-19 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: FL

Complaint narrative:
I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.

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 2021-03-19 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: FL

Complaint narrative:
I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted XXXX, equifax and XXXX regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: U.S. BANCORP
State: IA

Complaint narrative:
We had a bank loan with US Bank we wanted to pay it off early. I called in to get our pay off. By doing automatic payments we were paid ahead 1 and 1/2 years. So my next payment was not due until XX/XX/2022. I asked if some of those payments could go on the principle thinking that would lower my payoff and they agreed. We put the last 12 months toward the principal. They told me it would take about 2 days to complete. 2 days later I was confused when my payoff went up. After some quick investigating I found out They now added late payment fees on to the loan. I called US Bank customer service and they said they fixed it and I paid off the loan. Payoff was about {$8900.00}. 3 weeks later I was looking at a pickup and needed a loan but was turned down. I found out my credit score went from over XXXX to just over XXXX because US BANK Reported I had missed payments. Once again I called US Bank They said they could clearly see what had happened and I would have to file a dispute and it would take about 3 months to process. I was refused a loan I need to get the pickup I need. Even from US Bank because of my now Low credit score. I called US Bank back, they told me they can see that they made a mistake but they can't ok the loan until the dispute goes through.

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