vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I staked XXXX in a crypto currency called XXXX XXXX this past XX/XX/XXXX, knowing and agreeing to have my money help finance the launch of this new blockchain. I expected to be able to trade within 3 months time, ( the only update they have posted for months now says that trading will be made available in the latter part of the year ). It is now XXXX XXXX, and it has not yet become tradeable. Unfortunately, I need to access my funds, and need to quite urgently, as I am unemployed AND moving, AND starting school. Not only am I unable to cashout and close my account, but they have made it completely impossible to do so ... to the extent that I am locked out of my account, and unable to even look at my portfolio. I have called at least XXXX times. Lately, I have realized that if I call in the middle of the night I can reach a human. But these humans are low on the totem pole, and unable to do anything to help navigate me through this disaster and close my account. I have been told to contact support via email to " escalate '' my account, but I am unable to even do that, as I can not make it past the authenticator page which doesn't work - no matter how I try, or even when their own support has tried. One customer service agent suggested I open a 2nd " upgraded '' account, and sent me the link to do so, thinking that if I could get my ID verified AGAIN, which I've done at least 6 times now, on the new account, then-being the same person, I could transfer the coin to this account, bypassing the hiccup of XXXX that I've tripped into, and cash out there, and close THAT account. So, in XXXX min time, ( on this new account ), I did what I haven't been able to do in XXXX weeks or more with my other account. Obviously, they don't want to close or cash out this staked XXXX, why? I don't know, it is more than a bit frustrating, and like I said, I am VERY in need of the cash, or I wouldn't bother! I have never in my life had such a blatant series of website flaws prevent me, maliciously, from accessing my money, and I have never in my life, had such a poor customer support experience. I'm beginning to think I won't ever get my money out, and if I don't come up with the {$500.00} I need for gas and classes this coming Monday, this experience will set me personally back the XXXX I have invested in my future career, as I won't be able to fund my very long commute to my temporary lodging XXXX hours away from where I live, therefore miss my classes altogether, because after 2 months of trying to cash out and close my account, Coinbase simply won't let me. 
Please help me. I'm desperate to aquire mediation in hopes of a resolution before XX/XX/2021. I am desperate to close my account, and they simply will not do it, nor will they respond to my tickets with any actual results that will make this happen. I am sick about this. This business needs to go. Awful experience. Unreal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: IA

Complaint narrative:
Tek collect is has sent me to collections for my deceased mothers XXXX XXXX bill, she was discharged directly from the hospital to the XXXX XXXX at the time this was happening they called me to authorize and I explained that I myself are on XXXX from XXXX and I have no authority to authorize nor am I her power of attorney. I have contacted the XXXX XXXX but they have said that they no longer will discuss this because it was sent to collections, Ive also disputed with the credit bureau but Tek collect stated it was valid. I have called Tek collet many times and leave messages and they never return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-08 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 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 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Had a one Payment extension Last year due to the COVID-19 pandemic Now Ally auto financial didnt keep their promise about putting the car payment to the end of the contract Ally auto financial is using harassing tactics phone calls every day on the weekends even call my job Multiple times they have threatened with aggressive letters as well upon checking my bank statement all payments have been on time i use my vehicle to make my income also they reported to the credit bureaus that Im 60 days late which is not true now I cant get any Business credit they added numerous late fees which is not true

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 2021-12-08 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has not deleted the requested item off of my credit report. I have sent over the letter from the court stating that they did not share my personal information and they don't know where Experian got their information about the bankruptcy on my credit file. I also sent over a letter from XXXX XXXX saying that the bankruptcy was deleted from that report as well because they had no way to verify the bankruptcy. 

So if the courts didn't share my information and its not on my XXXX XXXX report I would like to know how is Experian so called verifying this account. This is a violation of my rights according to the FCRA. I want to sue for monetary damages done not only to my credit file but to my personal life due to this account being on my 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 2021-12-08 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: GA

Complaint narrative:
I have been battling with Equifax for roughly XXXX calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MD

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
i contacted credit management after noticing they were on my credit report. they couldn't verify debt and transferred me to a supervisor whom then emailed me the attached letterhead document saying they will delete account over 60 days ago. account is still active on my report. I have called and questioned them about the practice of saying one thing and doing another with no response and rudely trying to act like I don't have a document stating my claim. I have no knowledge of this debt and just like they agreed upon i would like this removed from my credit asap.

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 2021-12-08 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: GA

Complaint narrative:
I have been battling with Equifax for roughly 60 calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian and XXXX are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. XXXX fixed the discrepancy and the again posted incorrect information the following week without notice. Experian is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Hello, I needed to rent a venue for a performance So I spoke with a man on the phone from XXXX XXXX XXXX  in XXXX.They assured me that they had everything that I needed regarding sound, and stage. A few days before the event My team reached out to confirm everything. It turns out they didnt have the sound system we needed for our event. Plus upon checking my bank statements I was charged extra and was going to be charged fraud double fees in the future. So I told the venue XXXX XXXX XXXX that I did not want to use their event space anymore for false advertising and fraud charges. They refused to return the money they charged which was in the amount of {$1400.00}. It has been months and theyre refusing to return my money even though I never used the venue. Beware! So I attempted to dispute it with the bank account I used ( MoneyLion ), uploaded all the required documents and did everything that theyve asked .... still no money. Its four months later and MoneyLion has been giving me the run around! Ive asked to speak with a supervisor and they always say theyre going to call me back. I have not received a call. I received an email saying that my dispute was going to be resolved on a certain date within 90 days. Its been well past 90 days and no results! I thought as my bank you were supposed to INSURE my money. Yet they have not been any help to me. I uploaded everything, even proof that I never used the venue to begin with! I sent emails to the bank and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have been locked out of my Coinbase account since XXXX XXXX XXXXXXXX now. I had a security key which was lost and I could not get in my account. I sent Coinbase an email to regain access to my account and they replied with a link to verify my identity. I did all the steps they required and sent all documents like Id, social, and a photo of me taken next to my ID. The issue has still not been resolved I have contacted them several times and all I get is that I have to wait. I have no way of checking on my funds or selling/cashing out any funds. There is no phone number I can contact them through. No one is helping me get I to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Time after time, since XX/XX/XXXX, COVID-19 Pandemic, as a XXXX XXXX XXXX long time customer, who has written letters, Emails, phone calls to plead for help because WF had agreed with the federal govt, and state gov't to help their customers who ask for help, and I believed that. After two hardship letters to XXXX XXXX,XX/XX/XXXX XX/XX/XXXX WF, and Email pleadings, to lower their punitive interest rate, they refuse. A PUNITIVE {$80.00} plus per month could help pay for my utilities, food, etc. WF claims they help people and are equitable. I see no equity in their practices. I see some age. and marital status discriminatory practices. 

Even my credit union has helped my out. Shame on Wells Fargo, for letting their elderly customers, suffer more harm by not even going our of their way to help. 

I can understand why WF is involved in so many class action lawsuits. WF did not even help me out when I wanted to refinance my home where WF held the mortgage of XX/XX/XXXX years. A divorce. AfterXX/XX/XXXX years with no alimony put me in a financial hardship. After filling out their application, which was an invitation from WF to refinance my home at a lower mortgage rate, WF put me through a futile exercise of paying the mortgage for XX/XX/XXXX months ( in 2015 ) on my own, which I complied with, which resulted in turning me down, and I had to sell my home. 

Fast forward to COVID-19 Pandemic, they are still denying help to me, a XXXX XXXX XXXX long time customer. These punitive actions on WF 's part should be addressed. Age and Marital status in my opinion, is not being dealt with equitably or justly by WF.

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 monetary relief