vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I established an account with Coinbase.com via a referral. 

On XX/XX/XXXX I scheduled a transfer of {$100.00} from my bank to Coinbase. The funds appeared available in my account. I purchased {$1.00} of the XXXX cryptocurrency and was charged a {$0.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX Coinbase informed me the transfer had failed. I then attempted to make a transfer from other accounts but they were repeatedly denied. On the same day I contacted Coinbase about closing the account and paying the balance due. 

Coinbase has repeatedly emailed me to request payment and I have continued to try to send them money but they will not provide a path forward. Their support seems to say they will not accept payment until I provide a photograph of my ID. I do not feel comfortable sharing this information. I lasted emailed them XX/XX/XXXX and they promised they would get back to me but have not yet. 

I would like to send them the balance due and terminate my relationship with them. 

The case number with them is : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
Hello my name is XXXX XXXX I have been re-paying my student loans since I left college in XXXX. I worked for a nonprofit for eight years for the first three years I was not told about the public service loan forgiveness program and in fact I found out about it in by chance of course none of my previous payments were going to work even though I was working at a nonprofit and making payments so I had to go on a special loan program and started making payments towards the public service loan forgiveness. Then at some point Fed loan consolidated my loans I can not tell you why because there seems to be literally no advantage to myself for that ... But at that point it started by public service loan forgiveness program over again I was never made aware of this I have made several complaints about this up the chain at fedloan. Theres no reason why I who have been making payments on a public service loan forgiveness plan would want to jeopardize that I was never told us it was completely missed managed and once it was done it was unable to be fixed. This happened when I started my new job which was also a government non profit in XXXX. I have asked Fed loan to provide me with a recorded conversation in which I was made aware of the terms of the consolidation and its effect on on my pslf or a that I even agreed to consolidation and nothing was ever provided to me. I was always sent to someone specific to the PSLF program for guidance and they should have been aware and made me aware of this. To make things worse after getting married in XXXX I was now having to provide my husbands income only to find out that I now no longer qualify for the PSLF because I make too much money at that point I had been working at nonprofits for eight years.I was not sure where to go with this information or how to file a complaint if anything can be done but I do believe that my situation is unique that I have been completely missed lead and then its unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I made my car payment on XX/XX/2021 from my mobile app but got no confirmation. The GM Financial mobile app would not allow me to take a screenshot stating " can't take screenshot due to privacy policy ''. The morning of XX/XX/2021 I tried calling GM numerous times but was unable to get through to anyone due to high call volume. 

I then received an email on XX/XX/XXXX that my account was 30 days late. This email told me that my mobile app payment clearly did not go through. I immediately ran to my office and logged into my GM account from my computer as I did not trust the app and paid it ( again ) as it clearly did not go through from the mobile app on XX/XX/XXXX. ( I made my XXXX payment as well at this time. ) I then called GM as well on XX/XX/2021 after making the payment from my computer and spoke with a representative who assured me that it would not be recorded as a 30 day late payment. 

Today, XX/XX/2021 I was notified by logging into my XXXX  account that my credit score dropped by over 50 points and that GM did in fact record XX/XX/2021 as a 30 day late payment. 
I would like this late payment taken off of my credit report for these reasons : 1 ) I made the payment on XX/XX/XXXX on the mobile app which clearly has issues and does not allow the consumer to take screenshots as proof of payment. 
2 ) I made the payment again on my computer on XX/XX/XXXX and was assured that GM does not report until the XXXX day and since the computer payment registered on XX/XX/XXXX it would not count as 30 days late. 
3 ) I was given misleading information as I spoke to GM again today on XX/XX/XXXX and was told that they record on the XXXX day and not the XXXX. If I am given bad information on what days will actually affect my credit it makes it impossible to maintain the credit score I have worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I have received numerous harrassing calls/messages threatening legal action but no written communication/proof of the alleged debt from this collection agency. When I asked for this, they refused without me first providing my SSN. They call numerous times leaving messages, I don't know who these people are and have no knowledge of any alleged debts. They are now calling family members leaving messages in addition to me prompting concern for my privacy. I want ALL harassing activity towards me and family members to cease immediately, and all phone numbers removed from their records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CBC Companies, Inc.
State: NY

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report.

2. Identity Theft FCTUALDTA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.

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 2021-07-08 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: NC

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have submitted multiple requests by mail to have the initial and extended fraud alerts removed from my credit report and they refuse to do it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft SYNCB/AMAZON Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MS

Complaint narrative:
Roughly 7 years ago I changed my cable service from XXXX XXXX to another providor, We returned the equipment and had no charges against us. XXXX XXXX  reported us on our credit report and I contacted them with proof that we sent their equipment back. XXXX XXXX removed the delinquint account from our report, Now, EOS CCA Has reported the debt to my credit report and the discription says the original creaditor is XXXX XXXX. I disputed this entry and it was not removed from my credit report, The ammount they are trying to collect is {$350.00}. I have no idea how to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GA

Complaint narrative:
I am XXXX years old, and my credit is good with other agencies, transunion is upset as I don't open up credit so they slowly continue to lower my score, trying to make me pay more. 
private company trying to have their clients make money. Any thing in the Midwest is bad news. 
I want my scores to be affecting my correct and good payment history. 
if i have to use credit I do sometimes more than other times, but i pay on time and i should not be at the bottom of the tier. 
I will file a law suit with discrimination due to age and not wanting to open up more 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 2021-07-08 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: AL

Complaint narrative:
My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so.

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 2021-07-08 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: VA

Complaint narrative:
I kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: VA

Complaint narrative:
I kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously notified Transunion that I am a victim of identity theft

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 2021-07-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a text message from XXXX on XX/XX/XXXX that stated : EQUIFAX REPORT - Your scores went down 43 point on XX/XX/XXXX. Review and confirm/ dispute by, XX/XX/XXXX. Reply with XXXX for more info, I did not respond. A few days later I received a false unemployment claim that has already been reported as fraud today via XXXX. 

I tried calling the number and it kept ringing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands. My account still has not been updated by the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have requested a break down of monthly payments and have not received any information. No one answers questions, just transfers me. Requested orgininal documents from opening card and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I have frozen my account with XXXX  and I have paid for another service {$300.00} dollors to Montor my account yet addresses and phone numbers and places and stuff r still being added to my account I don't u understand this at all and I don't even have a XXXX XXXX card and yet it's charging me late fees every single month cause of this women XXXX XXXX XXXX whom over never in my life seen nor met got a old phone number of mine and decided to become me and had made my life a living XXXX four years now and all the police do here in XXXX New Mexico is right a report about it she changes everything my utilities my health insurance hacks everything I have my phone emails social media sites I have nothing that's mine too myself anymore I mean complete physco case her obbssed steals my pictures or of my phone steals me know every place I move every time I change my number she gets it's written a freaking day we've switched phone services 4 times already and she has found my number written 2-3 days now if that's not as little wat to much idk wat is and the police just write a report and she's just destroying my credit and getting away with it she tried 8 days ago to steal {$36000.00} dollors out of my checking account and XXXX off my credit card that's why I don't list it on here cause she still gets on XXXX  and changes my information thxs for ur time her number is XXXX XXXX XXXX if you have any way of helping me get rid of this person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I own and operate a small XXXX XXXX XXXX  business. I sometimes travel to craft shows to sell my XXXX. In XXXX of 2021 I had two such shows and I was using Square to process my credit card transactions. Immediatly after the second show ( XXXX XXXX ) Square informed me, via text message, that my account had been closed and that my funds were being held. 
Trying to contact a person at Square is impossible. The only real option of contacting the company is through email. They do list a phone number, but once you punch in your account number a pre recorded message tells you that your account has been closed, permanently. There is no reason given and according to Square, no recourse. Any funds you had in your account will be held for up to three months. My email complaint fared no better ; I received a generic reply with the same information : account permanently closed, no reason, no recourse, no funds for three months. There was no contact information for Square in the email. 
Wow. I am lucky enough to have a business where this hold does not threaten the ability of my business to operate, but it could have. After this happened I did research on the net ; this is not an isolated occurence. People 's businesses are being ruined. This seems like some sort of scam to hold on to people 's funds for a quarter of year. Interest profits?

Company response to consumer: Closed with explanation