vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have a Coinbase account that took {$1000.00} out of my bank account on XX/XX/2021 unauthorized I contacted them about this on the XXXX and they froze my account which I have no access to with a considerable amount of money. They are making no effort to resolve this I was given 2 case numbers the last oneXXXX Im more concerned about getting my account back than the {$1000.00} that was taken. This seems to be a common problem with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: TX

Complaint narrative:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I verified my credit score with Equifax, and at that point in time, my score was XXXX. Today, XX/XX/XXXX, as I'm checking my credit score, I see that it changed from XXXX to XXXX. I have not had a single late payment in over a decade, closed accounts, opened new ones nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is unethical abuse from Transunion and they should re-establish my credit score back to XXXX. Please feel free to contact me if you need anything from my end. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Okay so I opened a dispute with Venmo about unauthorized transaction fast forward one day A representative contacts me and says they will Suspend my account until I can secure it and such one day later the dispute begins and I end up winning it now I messaged them and they said they now need me to provide my I.D and such to have my account unsuspended ( note I don't have any of this atm XXXX and when I check why I was suspended it says I'm in violation when I haven't done anything. So now my money is stuck and I need help!! 
Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was checking my credit to purchase a home, I found a debt for capital one credit card. I called the company and they told me that the card was close due to fraud. The representative told me not to worry about it and that it should fall off because of fraud. Now the debt shows up under XXXX and not on the rest of the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. The following item does not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX I attempted to contact Experian twice to dispute these accounts, one letter dated XX/XX/2021 and the second one dated XX/XX/2021. However, I was never provided with any logical explanation or proper validation. 

Please reinvestigate and remove these accounts immediately. Thank you.

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 2021-04-24 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: OH

Complaint narrative:
This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX XXXX XXXX  UNIV XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. 

XXXX XXXX XXXX, XXXX XXXX XXXX  UNIV XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 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 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On or around XX/XX/2020, I began working on repairing my credit. After sending 3 letters to XXXX  informing them that I never opened an account, nor does the debt belong to me ( {$640.00} ), they are now refusing to investigate this debt further. I have repeatedly asked to receive the original documents of the debt and the contact person ( s ) from the company that XXXX  spoke to verify the debt, yet they have not provided it, thus allowing this debt to remain on my credit and affect my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
OnXX/XX/XXXX, I purchased a Model XXXX  washer/dryer unit ( Order ID [ redacted ] ) for {$1700.00} from XXXX  XXXX  XXXX  located at XXXX  XXXX  XXXX  XXXX, XXXX  XXXX, New York. To be clear, the product comes assembled as a single piece and must be used together.

XXXX  XXXX  was the Kitchen/Bath Appliance Specialist who helped me with the purchase. The product was delivered to my home where it was installed.

On XX/XX/XXXX, my curtain became stuck under the spinner of the washer portion of the unit. I noticed something was wrong due to a burnt smell coming from the machine. Immediately, I stopped the machine.

I called XXXX  XXXX  XXXX  and the salesman was rude to me and referred me to XXXX. I asked to speak to the store manager, XXXX XXXX, and was told that he was unavailable. Eventually, a technician was dispatched and he assessed the situation. He called XXXX  and they advised him to cut the spinner with a saw. The technician was incredulous and advised XXXX  that he didn't have a saw and even if he did that he wasn't sure that it would fix the problem. We are not in agreement that anyone should come and damage a brand new machine ; it doesn't make sense. The machine is defective and a fire hazard ; that is the opinion of my husband who was a volunteer XXXX  for 19 years. The reviews for this model on XXXX  own website also show numerous consumers who have had similar issues with this model. Please find enclosed all documentation relating to this matter.

We have made repeated requests to XXXX  XXXX  XXXX  to remove the machine and they have refused. I have spoken to XXXX, a manager at XXXX  XXXX  XXXX  several times without a solution. I have contacted XXXX  XXXX  XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. They keep referring me to XXXX, the manufacturer of the product. I have been in contact with XXXX  from XXXX  Consumer Relations but they have not been able to guarantee that any repair attempts would solve the issue and that we wouldnt have a repeat issue. XXXX  also would not agree to accept responsibility if there were any loss of life or injury based on its defective product.

Now, we are risking exposure to COVID-19 by doing laundry in a local laundromat.

OnXX/XX/XXXX, the credit card company, HSBC, issued a credit in the amount above but then later reversed course. HSBC asked for a narrative, which we provided, twice, with no response or acknowledgement of receipt from a company representative. Furthermore, the XXXX XXXX  has not replied to the New York State Division of Consumer Protection 's inquiries regarding our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I signed up for Gemini on XX/XX/XXXX and it is now XX/XX/XXXX and I've deposited over {$1000.00} so far and I'm still not verified on my account and my account is still restricted. After uploading my ID and waiting almost 2 weeks, on XX/XX/XXXX Gemini said they need me to reupload the images. It is now XX/XX/XXXX and I have not heard from a single rep despite numerous email attempts and attempts to contact Gemini support on twitter. I've also tried calling Gemini 's phone number, but it's only an answering machine saying to e-mail them, which they don't reply to. It is frustrating for a financial service to have such slow customer service with 0 communication for weeks when time is of the essence for the investments of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: OH

Complaint narrative:
This is a legal and notarized document and request for proof of claim, Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 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 2021-04-24 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: OH

Complaint narrative:
This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX  XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX  XXXX  v. XXXX  XXXX XXXX  XXXX  : XXXX  v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected.

XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX, XXXX  XXXX XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX  XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: SC

Complaint narrative:
This is all described in an existing open complaint, but I want to note that THIS ERRONEOUS CREDIT REPORT TRADELINE WAS UPDATED BY THE CREDITOR ON XX/XX/XXXX, AND WAS UPDATED BY EXPERIAN 'S COMPETITOR 'S XXXX  AND XXXX ON XX/XX/2021. And yet here we are a month and a half later, and two complaints to CFPB later, and with it resolved ON MY CREDIT REPORT, and yet Experian claims they are still investigating. What is it that they are investigating? So I note that they have failed to complete an investigation within the 30 days required by law, in addition to LYING ABOUT DOING ANY INVESTIGATION WHATSOEVER INTO MY DISPUTED TRADELINE. Had they done any investigation, they would have updated the report on XX/XX/XXXX with the correct balance and closed notation, just like the other reporting agencies. They really are claiming to investigate and NOT INVESTIGATING. And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. 

XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Hello my name is XXXX XXXX XXXX. 

have a ZERO debt profile with a credit score of only XXXX. 
Jefferson Capital is the collection agency that are RELENTLESSLY trying to get over {$1800.00} from me for a XXXX bill or debt that is NOT mine. I have tried to no avail to get this company to remove this off of my credit reports. I have requested proof of debt, i have sent in faxes, nothing has worked, As stated above I have ZERO debt and this collection from Jefferson Capital is really a thorn. I take my credit very serious and this debt is causing GREAT HARM to mine and my XXXX year old daughters lives. She wants a puppy and I need space to pursue my art career. Neither can happpen with this collection on my record. I need and want badly for this debt to be fully removed from all three credit bureus so that we can continue our quest to be firs time homeowners here in this great state of Texas. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2020 I purchased two tickets for a live show called XXXX XXXX for XXXX from a ticket resale company called XXXX XXXX. The show was originally planned for XX/XX/2020 but was postponed due to COVID. The show has been indefinitely postponed since XX/XX/2020. I have been contacting the ticket resale company for over a year now trying to get money back or any help at all and they said the show was rescheduled for XX/XX/2099. It is their policy that customer may not be refunded unless the show is cancelled. Obviously I will be dead by XXXX which means they are attempting to hold my payment indefinitely without providing the service that I paid for. I have contacted my Capital One multiple times throughout the period that the show has been " postponed '' and they are unwilling or unable to help as well. Apparently when I filed a dispute they claimed they sent me a letter requesting documents to support my case. I never received the letter ( I have paperless statements and correspondence enabled either way, so just email me? ). I didnt respond to the letter because I never received it and the multiple reps I spoke to from capital  one  claim that they upheld their end of the agreement and so I am fully liable to try and get my money back from XXXX XXXX. I try to look them up to go to the office because its near impossible to get a human on the line, and find they are based in XXXX. XXXX that XXXX XXXX is actually a group of Englishmen scalping tickets to houstonians and ripping off customers who want to see a show. I am really just trying to either see the show or get a refund at this point. The theater company has had my payment of {$280.00} since XXXX of XXXX  which is over a year and XXXX live in XXXX still has a TBD date showing on the website and a date of XXXX on the telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I've been divorced from my ex wife for 13 years now and have XXXX daughters with her. My ex wife husband adopted my kids so i no longer have any rights or guardianship with them. I agreed and signed adoption papers i want to say at least 7 years now. I recently checked my credit report and my ex wife used my information to be billed for a sleep wake company for our daughter without my consent. I am now in collections to pay {$92.00} dollars for the first accout opened in XXXX and {$1000.00} on the second accout opened in XXXX. I am not responsible for anything that pertains to my children with her because of the adoption and having no legal rights to make decisions on there behalf nor i consent to. My credit have been drastically affected by this debt. Ive been having trouble getting approved or open any accounts that i wish because of one of these debts. I would like to take legal action because its put an effect on my life and credit. I hope im writing to the right department and i can get some help about this situation. Thank you.

Company response to consumer: Closed with explanation