vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I signed up for the Gemini Trust Company LLC platform on XX/XX/21. I transferred {$500.00} USD from my bank account to the platform the same day that I signed up. I was able to transfer my money onto the platform, but I haven't been able to withdraw it because I can't verify my identity. I have been attempting to verify my identity on the platform since the day I signed up with no luck. I've contacted their customer support numerous times and have gotten no response. I can't deposit my money back into my bank account until my identity is verified, so my money is now stuck on Gemini 's platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: GA

Complaint narrative:
XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXX XXXXk and was removed because the company could not provide legal verification of the debt as per the FCRA. TransUnion and XXXX removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the FDCRFA. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If TransUnion and XXXX  doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.

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 2021-05-16 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: NY

Complaint narrative:
Back in XXXX of 2020, XXXX  removed the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX removed the 2 public records but transunion and XXXX  did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did transunion and XXXX do it? Please provide the documents or information with the person you spoke to or used to verify

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 2021-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX of 2021, XXXX XXXXemoved the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX  removed the 2 public records but XXXX and experian did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did XXXX  and experian do it? Please provide the documents or information with the person you spoke to or used to verify

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 2021-05-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account is still 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 non-monetary relief
Consumer complaint received 2021-05-16 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:
XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXXXXXX XXXX and was removed because the company could not provide legal verification of the debt as per the FCRA. XXXX and Equifax removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the XXXX. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If XXXX and Equifax doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Account was not remove

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 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The story is very long it started in XXXX with technical issues in processing my XXXX, which they canceled after a month and thousands of call, I had to start a new application and settle for less than XXXX says I should have received, then a check disappeared in XXXX, after a month and a half and thousands of calls rejected payments, overdraft fees, merchant fees and even closed credit cards, they say that the check did not disappear, that it had no funds, it took about a month and a half and about {$800.00} in fees after they promised to remove them all and solve the merchant issues, they did nothing. Mind you the check they say had no funds, came from the treasury department, for my XXXX XXXX. I was closing on a house and my approval got turned down, now my mom and I are stuck in a XXXX bedroom abandoned my account is over {$3000.00} negative. 

I submitted a complaint with XXXX  over 2 months ago no response until XXXX days ago although supposedly the bank had XXXX  days to respond, now XXXX say they would send a letter within XXXX business days its been XXXX days and nothing. They killed my dream today a home and ruined my credit and business, consumed my XXXX  in fees. 

This is unfair my XXXX is living XXXX in my living room because I was denied my approval after being approved and searching for over a year because of thefees, delayed responses, no response, technical issues, terrible communication and more, these people are thieves.

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 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have a PayPal account. I am on vacation and have a business back home. I had some unexpected expenses arise and had my employee send the daily deposits to me instead of putting them in the safe. Did not want anyone having my company banking information. So I go to transfer the money to my personal account and get a message that my transaction can not be processed at this time. This was over a week ago. I called the customer service line and was told that they had put a hold on the account for suspicious activity because I hardly ever use this account and that the funds would be released in 72 hours. 72 hours later try to transfer said funds again and get the same message. Call back to the customer service center get told the same thing when asked to speak to a supervisor was told that they couldnt help me either. I am stuck down in XXXX I am from XXXX and I have a busted cv axle in my car that I need repaired. I have to pay extra funds to stay at the hotel because I cant drive my car and now am going to be forced to sleep in my broke down car because they wont release my funds that were deposited in cash for me to get my car fixed. They did not have any sympathy or any explanation all I want is my money so that I can go home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 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: TX

Complaint narrative:
see attachment XXXX late payment with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: TX

Complaint narrative:
see attachment XXXX late payment with 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 2021-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has took out a loan in my name without my permission. I request an audit trail in accordance with XXXX. I am the consumer in fact, I am the original creditor, everything I do is for family, household and personal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
I started working with a mortgage company : Cardinal Financial Company XXXX XXXX XXXXXXXX ) and its assigned loan originator, XXXX XXXX XXXX XXXX XXXXXXXX ) to re-finance ( cash-out ) my home equity. The process took XXXX  days now and still not closed. There were some bad faith dealing and handling of my file which also resulted in me paying an out-of-pocket appraisal fee which now serves no purpose, and prolong. There are also numerous violations of the law/statutes in my state by the company and loan originator. A detail of this process is written in the attached Declaration. Please review attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NY

Complaint narrative:
These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity 5th case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XXXX car. Pardon my XXXX. But these Inquiries are hurting me when I try to get funding. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XXXXXX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity XXXX case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XX/XX/XXXX car. Pardon my XXXX. But these Inquiries are hurting me when I try to get funding. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NV

Complaint narrative:
I sent a wire transfer for {$6000.00} from XXXX to Binance.us on XX/XX/21. Their website states that it takes XXXX days XXXX for a wire transfer to clear. The funds were immediately taken from my XXXX account on XX/XX/21 and still haven't been made available on XXXX XXXX XX/XX/21 XXXX. 

I've tried to contact XXXX  on a daily basis, only to be sent automated messages by their nonexistent customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a 700 score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX at about XXXX  hours my coinbase account was hacked. I received a text message with my coinbase verification code. I was using XXXX XXXX for coinbase. Seeing how I was not active at that time i immediately became suspicious. At that time I was able to still log into my account. I logged into my account and while logged in I could see my balances changing right in front of my eyes so my initial reaction was to just sign out. 

I was hopeful this would also sign out the hackers, Unfortunately I was wrong. Shortly there after I received a slew of emails stating I had transferred a bunch of bitcoin to two different wallets. From XXXX to XXXX there were 8 different transactions sending bitcoin to an outside wallet. One of the XXXX wallet ID 's is as follows. XXXX. Unfortunately I only have the one wallet ID from a screen shot. I never moved the trash emails to my inbox and they automatically deleted after 7 days which I was unaware of. 

I filed fraud claims with coinbase twice and have the following case numbers. XXXX ( first claim on XXXX ) and XXXX ( filed XX/XX/XXXX ) I immediately took all the steps recommended by coinbase but here I am 9 days later and not a step farther with them. They replied with a generic email but I am still unable to log into my account at all. I locked my account out via their phone system and thought all was well. 

3 days later on XX/XX/XXXX I check my bank account and see 7 withdraws from my bank account of {$200.00} each to coinbase that are still pending. I call my bank right away and put a stop payment on all those transactions. They stated i would get my money back but I haven't from the bank yet either. 

I can't log into my coinbase so I don't really know what my account looks like or there but I assume it's been wiped clean. A quick internet search revealed I am one of many that have fallen victim to a very similar scam. Coinbase customer service is non existent. 

I don't know what else to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company ALLY FINCL account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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