vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I opened up a CoinBase Pro account on XX/XX/21. I did not place any funds into the account nor did I purchase anything. On XX/XX/21, my bank statement read two {$200.00} charges to " XXXX  transfer to XXXX '' which I did not make. My credit union could not follow up on these charges, citing that they were a 'cryptocurrency issue ' so I'm left with a {$400.00} charges that I have no idea how they were made nor do they show up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have attached documents that shows from XXXX  and XXXX  that I do not own this vehicle. The items I dispute on the attached copy of the report I received.The information onBRIDGECREST account number XXXX with a balance of BALANCE OF {$18000.00} isinaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This item has been removed from XXXX  and XXXX  after they have done the proper investigation. I am instructing you to remove this fraudulent account off of my FICO score. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've tried disputing with capital one on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
Experian responded to my complaint indicating that they need " authorization ''. So I called their consumer services numbers at ( XXXX ) XXXX XXXX and ( XXXX ) XXXX. Both did not provide me with human customer service. Instead I was given only two automated options and a statement that said " I can not connect you to any specialist right now ''. How am I supposed to given " authorization '' into a existing dispute when I can not speak to anyone? This is unacceptable. I have been disputing these accounts with them for over 45 days. by law they are required to delete the items I have mentioned.

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 2021-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Amerihome Mortgage LLC to obtain paperwork regarding an upcoming court proceeding. I advised them that I was being taken to court over an escrow refund that was not in my name, but in the name of my former fiancee. Even though we were on the loan together, I was advised that I could not have the check sent to him or any other address. The other party was required to call the company to give them his address information. However, he refused to do this and in fact, is suing me for the check that I do not have. I have called the company as well as the corporate office and submitted multiple requests and I have not received this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I made a payment to paypal credit card ( issued by Synchrony bank ) over {$1600.00} on XX/XX/2021. To this day they refuse to credit my payment. I have send them proof of payment from my bank and multiple times over fax, priority mail and email.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Trying collect a debt I do not owe. Never heard of the company they are trying to collect for. Provide no opportunity to dispute the debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Helm Associates
State: PA

Complaint narrative:
I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I was charge 3 times for the same one item purchased. I returned the item at the store and received a credit. They returned one for another credit. However I still have an extra charge for that same one item. 

The amount is {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FIRST MIDWEST BANCORP, INC.
State: CO

Complaint narrative:
On XX/XX/2021 someone tried to take a loan out in my name at a bank called First Midwest bank. I reported it the next day and froze my credit report to XXXX. Since then is has effected my credit score. I need to get this removed.

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 2021-08-30 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: HI

Complaint narrative:
On XX/XX/2021 I opened an account with Coinbase. I provided all of the required information and was provided an account on their site. On XX/XX/2021, I initiated a wire transfer into my new Coinbase account {$10000.00} from my XXXX account. Immediately after the funds landed in my new Coinbase account I received notice that my account was suspended. I was given no reason for this but I assume it is because my primary residence is in XXXX  with a secondary place in XXXX. I provided this information to Coinbase. Apparently the state of XXXX requires a threshold for companies doing business in XXXX that Coinbase does not meet and I assume Coinbase must be using this to not have me as a customer. I never withheld this information from Coinbase when applying for the account. 

In the notice of my account being suspended, it said to follow the instructions to have my funds returned to me. I was unable to execute this action as I went into a circular default on no action Since XX/XX/2021, I have filed numerous requests and complaints ( over 10 ) to return my funds with Coinbase and to date, I have received 1 non computer generated response with persons name which said, " someone would be in touch ''. 

Coinbase has no live person to speak with and their format is that one type of complaint is supposed to be responded to in 3-5 days and the other more formal complaint is supposed to be handled within 15 days. I have filed both types of formal complaints and nothing has happened and no response from anyone. 

I don't care that Coinbase doesn't want me on their platform but I fail to understand their poor customer service and refusal to release my funds. I only want my funds and will move on to another tradings site. 

Anything that you can do to get them to release my funds ( it is now {$9900.00} ) because they kept {$10.00} when I transferred in funds, would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
On XXXX XXXX XXXX I received a claims notice and summons for a debt that is not mine. It was from XXXX XXXX. It said a loan was opened on XXXX XXXX in the amount of {$5800.00} with XXXX  XXXX. This debt is not mine. The last name was misspelled and I pulled my credit reports and the debt of course doesn't show because it isn't mine. I was recently hired with a financial investment company who did a very extensive criminal and credit background check. I just started this job on XX/XX/. I have filed a dispute with the county and have a court date of XXXX XXXX XXXX. This is very upsetting and I don't know what to do. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have recently seen a fraudulent credit inquiry from chase bank on my credit report, with no recollection of giving them authorization to access my credit. Please assist with removing this inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: MI

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

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 2021-08-30 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: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: MO

Complaint narrative:
According to Professional Credit Management XXXX XXXX  an account was opened in my name for non payment of medical debt on XXXX XXXX XXXX. Upon first contact with Professional Credit Management I informed them that I was making payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that no further correspondence should be made over phone. I explicitly informed them to direct any further correspondence via mail. This request was not followed and I continued to receive harassing phone calls. 

According to Medical Debt Relief Act of 2016 all credit reporting agencies are required " 180-day waiting period before medical debt will be reported on a consumer 's credit report and removing paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act by providing for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. '' I paid off the Medical debt prior to the 180-day waiting period and yet my account shows a paid collection account. Professional Credit Management has unlawfully affected my credit score resulting in denial for health insurance on the basis of unpaid medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: VA

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 2021-08-30 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: Atlanticus Services Corporation
State: AR

Complaint narrative:
Fortivia continues to report and confirm that my account delinquent from a period of XX/XX/2019. This information is incorrect and I was never late. In complaint # XXXX-XXXX/XXXX  Fortiva responded that they have directed the credit bureau that my account was never late and said XXXX  needed to correct the information to allow 5 to 7 days for that to occur. I submitted a dispute with XXXX  and XXXX. In response XXXX  indicates that when Fortiva was contacted by them regarding the dispute Fortiva is confirming that the account was delinquent. In complaint # XXXX-XXXX  XXXX  indicated that as recently as XX/XX/XXXX Fortiva was confirming the delinquency. I have received several letters from Fortiva that this account is being reported delinquent yet they are continuing to seen electronic feeds to the credit bureau 's that this payment on XXXX of 2019 was 30 days late. This incorrect information needs to be removed from my credit bureau reports. Fortiva needs to fix this electronic feed that is reporting incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain, especially dealing with COVID. I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
The debt collector would constantly try to call my phone while I was at work. They would then call my job. I informed them that I could not take personal phone calls at work since I work with the public and are also really short staffed. They got really mad at the fact they couldn't call my job and insisted the only way they would stop calling my work is if I paid the whole debt. I told them I have the right to request they not call my work and they became abusive and said they would no longer work with me and would no longer accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 2021-08-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

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