vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
The morning of the XXXX of XXXX, when I woke up I tried to access my CoinBase account to withdraw my money and found out that my account was " under review '' and all my money was locked. I can not withdraw, exchange or even add funds to my account. I sent a ticket to CoinBase support and they pointed me to fill out some personal details that were already filled out when I registered. I changed the tiniest details so they would match my ID as best as I could, thinking that might be the problem, but that did nothing to solve it. I uploaded my ID and my driver 's license 's pictures as a verification several times to no avail ; far from helping me solve the problem, now my account needs to be verified through this method ( uploading ID picture ), and it won't accept the pictures no matter how clear they are and how easily readable. 

I contacted CoinBase support again, pointing out that I had found this new problem and that I needed a solution to access my money, but they just told me to stop messaging them as " it would only slow down the process of reviewing my account ''. I have no idea why it was being reviewed as I have not made any strange money movements ; in fact, I didn't move any money or exchange currencies since several days before this issue, so the account was untouched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I get phone calls everyday demanding repayment, I never opened an account with this company yet they demand I pay them. 

The company is called Portfolio Recovery, I have blocked their numbers but continue to be harassed. I believe they are selling my information to other scam companies in attempt to get me to pay. I want them to stop and cease. 

Company phone numbers are as follows for the month of XXXX so far. 

( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This is an old account, more than 12 years old and no longer on my credit. They keep calling me and Ive told them to stop. They dont listen and continue to call me. It is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient has serviced a private loan for me for many years. I have spoken to many people on the phone about the minimum payment due ; and do continue to pay what I am able to monthly. They continue to call me and my mother, who is a co-signer, multiple times per day at ridiculous hours. I have informed many representatives that I live in the PST yet, daily, I get at least 1 phone call before XXXX. Just in the past week of XXXX I can reference the following, and these are all calls solely before XXXX. Each of these days they call at least 2/3 additional times within " allowable '' hours XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX They also continue to call my mother at work when she has asked many times to not be contacted there. I am aware of my debt and pay on it as I'm currently able, and I do make monthly payments so the relentless calls at ridiculous hours, for literally MULTIPLE years, seems unnecessary and has become incredibly inconvenient and stressful for both me and my mother who has an XXXX XXXX exacerbated by stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: MS

Complaint narrative:
Account was placed into suspension, Im not able to use card or order new card along with increase my credit limit ; due to me being denied because of erroneous information being furnished on my account by other companies. Discover is denying me credit or to extend my credit due to the information they obtain every month from running soft inquiries on my consumer report. All of these acts from discover are violations under the FCRA, TILA and ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I start a new job next week. I was asked to create a profile on XXXX. There was a link for Wisely. I clicked it to get more information and it signed me up for a prepaid card that I do not want. It looks like my prepaid card was approved. But I want my direct deposit to go into my XXXX account. Ive already provided XXXX with my checking account information. Please cancel this prepaid card. I reached out to XXXX. But I need a card number to be connected with anyone. 

Again, I do not want this prepaid card or account. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I had severe and pervasive Identity Theft in XXXX-XXXX and it took a valiant multiple year effort to resolve it. Finally in XXXX it was all cleared up. 

Someone got all of my information through a burglery, and rented an apartment in my name, opened utility accounts, tons of payday loans, opened lines of credit, and ultimately got evicted which all landed on my credit, which was not apparent to me to me until approx XXXX when I applied for a morgtage and discovered the extent of the damage. 

XXXX of the items was Sequioa Financial regarding XXXX XXXX XXXX  XXXX. This was resolved by sending notarized FTC affadavits, police reports, many letters, info from the City Attorneys office. This item was removed in XXXX from my credit reports as a result of proving the ID Theft to the creditors and credit reporting agencies. 

Fast forward to XX/XX/XXXX - I am ready to close escrow on Friday, XX/XX/XXXX on a 3 month long eescrow to refinance my home due to difficulty through covid and a death in the family - and Sequoia Financial put this debt back on my credit out of the blue, with no warning whatsoever no contact, no nothing. 

Tomorrow, the XXXX, I am supposed to go in the bank and sign documents, but before that they will run my credit again- which was spotless and impeccible until this fraudulent account reappeared. This is unfair and this was fraud and it might make me lose the loan that my family is counting on. Please ask them to look in their records and remove it. I sent the FTC Affadavit to Sequoia Financial yesterday and called them today, and they said they cant do anything til tomorrow which will be too late. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am not sure if I selected the right option for this complaint. However, I am submitting this complaint on Tower Loan that's located on XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I received an unsecured loan check in the mail XX/XX/2021. I cashed the check XX/XX/2021 and I am well aware that I am a month payment behind. I have informed them that I would pay this upcoming Friday, XX/XX/XXXX, XXXX have also informed them not to call my job or during my working hours. However, even after informing them of this they have still been calling my job. Not only did they call my job Tuesday, XX/XX/2021 the young lady who called informed my manager that I owed a debt. When my manger informed me of this I called them to let them know for the third time not to call my job. The young lady on the phone said, Well XXXX XXXX what you gon do? As if shes trying to invoke me and/or threatening me. I then replied that Ill just file a complaint and hung up the phone. I proceeded to start back working but they began to call my phone back to back, which was a total of 5 times. I did answer the second time they called and informed them that they were in violation of 15 usc 1692d ( 1 ) ( 5 ) and 15 usc 6801. I told them that I am aware that I am a payment behind and I will make the payment this Friday and that I didnt appreciate that you informed my boss that I owe a debt. Not to mention to continue calling me while I am working. Once I hung up the phone the second time they still began to call 3 more times, which was the total of 5 times. The same young lady, who will not provide her name, called my job again Wednesday, XX/XX/2021 and Thursday, XX/XX/2021. She called my phone again during those hours as well back to back for a total of 3 times. Today, Thursday, XX/XX/2021 when my manager informed her that I was not there and to not call, in which she had already informed her of this on Tuesday the young lady replied back to her, " Well it's a new day. '' and then she hung up the phone. By the time you all will get this complaint I will be caught up on payments, but I do not appreciate the harassment and providing private information about me. I have also never gave them permission to call me job from day one of receiving the check in the mail.

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 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Loan XXXX XXXX Citi Mortgage lied Profusely they told me when I was applying for the loan and have it in emails that this is going through XXXX XXXX and this would be a XXXX XXXX loan. I have many many emails between XXXX XXXX Sales Manager at Citi and XXXX XXXX who knowingly knew all along that Citi owned my mortgage. This is fraud. Tried to deny me my {$5000.00} Homerun program as a lender credit as my income is {$50000.00} and XXXX XXXX median income can not be above {$55000.00} and called them out in there lie. The Closing docs were fudged the day before closing. The process was constant toxic fraud and unethical behavior. XXXX XXXX changed the numbers in the closing docs. This XXXX told to me by XXXX XXXX at Citi and tried to to add the {$5000.00} and forced me to pay almost {$5000.00} in points and XXXX XXXX the XXXX knew as she contacted and I was ignored. Now I call higher ups at XXXX XXXX. They are not my investor. XXXX XXXX is not my investor. They commit so much fraud and this is one example. My {$2000.00} out of my Citi bank account was withdrawn by the branch manager XXXXXXXX XXXX XXXXXXXX and the money is missing. Its endless acts of fraud and violations. I did not want to close but threatened I round lose my {$10000.00} XXXX XXXX. I would of never accepted a mortgage If Citi was the investor. NEVER. This is very serious and knowingly committed fraud. 
I would of never went through the process. This was my first question. How can Citi do something like this. I am shocked and over my dead body i am going to take every XXXX ruin necessary to ensure the fraud is handled and this bank is punished.

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 2021-11-11 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: FL

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 personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
For the past few months I have been disputing inaccuracies on my credit report. The asset amount transunion, XXXX and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry : XXXX. XXXX, XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation