vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and recently my XXXX asked me to update it and so I did and my phone never turned back on again. Next day I tried to get it fixed but never could turn it on again. So I bought a new XXXX. After I bought the new phone I downloaded the app called Coinbase which I also had on my old phone already. Coinbase is a crypto currency exchange app which I invested a lot of money in and currently holding alottttttt of Bitcoin, chainlink, and XRP coins in there. I tried to log back in and it didnt let me log in because it was asking me for an authenticator code which I tried to put in but I guess it never recognized it. So I sent Coinbase an email so they can give me a new authenticator code that could link to my new phone and Coinbase so I can get back into my account. Have I have emailed Coinbase about 12 times and this email started in XX/XX/XXXX. Emailed them on XXXX and XXXX as well and no type of response from them. I have read reviews about their customer service and everyone says they do not reply to you and potentially when you do get your account back all your money will be gone from your account. I am livid with them and I will hate to get my account back and my money is not in my account. So my problem is I need Coinbase to unable my account and give me a new authenticator code that links to my new phone and Coinbase app so I can get my account back. I should have XXXX xrp, XXXX chainlink, and XX/XX/XXXX of a Bitcoin in my account and I do not want to see a single of them missing. I need to get my account back and have Coinbase reply back to me so I can get my thing back. I also taken this matter to court because I am afraid my money is no longer in my account. Please my ticket number for the email to them is # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XX/XX/XXXX/XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12.  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Shot in the dark but more likely there's more than one person ( me ) behaving in the economy. Actor 1 can not overutilize financial resources causing Actor 2 's scarcity ( specially because Actor 2 is the one paying for Actor 1 's XXXX  behaviors ). Incorrect mathematics : Paycheck = XXXX, Spending = XXXX therefore I have XXXX. I spent imaginary number XXXX low and behold I actually have a massive lien around my entire XXXX. How come? Perhaps because the banks not gon na give you a free house. Fraud -- > Fraud -- > Fraud. 

First instance of fraud were the fraudulent documents used to procure these XXXX mortgage loans. Real problem happened when you opened your XXXX  mouth drawing all sorts of attention about this fact. Here 's how silly you are : Government could have made the bank do exactly what your XXXX XXXX is talking about. Why didn't it. My mouth said : " In this present crisis .... '' You told government to substitute your mortgage for shopping you fool. Instead you should have told government to save your mortgage controlling shopping. XXXX is right. " Representative ''. Plumber, Engineer, Pilot, Accountant.

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 2020-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents

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 2020-12-17 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, XX/XX/XXXX of XXXX, when I am reviewing my Experian Credit Report I found an open account from " XXXX XXXX XXXX '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my Experian 's credit report. 
I don't know nothing about this account and this account do not belong to me, also why Experian allowed that this company ( as per XXXX " XXXX XXXX XXXX  stands for XXXX Companies XXXX through XXXX XXXX '' ) posted this debt on my credit report. 
Experian works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks

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 2020-12-17 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: FL

Complaint narrative:
I have contacted the credit Bureaus, experian and XXXX  on several times regarding some accounts reflecting on my reports that were fraudulently open and do not belong to me. I have sent many letters, complaints and called on many occasions to remove these accounts listed below that are hindering my credit. I am fed up. I did not open these accounts and I should not be punished for this. 

1.Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX Account Number : XXXX 4.Account Name : XXXX XXXX XXXX Account Number : XXXX 5.Account Name : XXXX XXXX XXXX Account NumberXXXX 6.Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX I WOULD LIKE THESE ACCOUNTS DELETED FROM MY REPORTS 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 2020-12-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an identity theft issue and there is still an account on credit report. I previously filed an FTC and a XXXX Police report indicating the account does not belong to me. I am trying to purchase a home but unable to do so because of the fraudulent account that is showing on my report as two different items : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the credit Bureaus, XXXX and equifax on several times regarding some accounts reflecting on my reports that were fraudulently open and do not belong to me. I have sent many letters, complaints and called on many occasions to remove these accounts listed below that are hindering my credit. I am fed up. I did not open these accounts and I should not be punished for this. 

1.Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX Account Number : XXXX 4.Account Name : XXXX XXXX XXXX Account Number : XXXX 5.Account Name : XXXX XXXX XXXX Account NumberXXXX 6.Account Name : XXXX XXXX  Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX I WOULD LIKE THESE ACCOUNTS DELETED FROM MY REPORTS IMMEDIATELY. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
I have never financed a vehicle before in my life. I worked at a car dealership as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX and I need to finance a car and cant because of the Malicious error.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : 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 2020-12-17 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: 3rd Generation, Inc.
State: CA

Complaint narrative:
I have never financed a vehicle before in my life. I worked at a XXXX XXXX as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX  and I need to finance a car and cant because of the Malicious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
We are XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX we were one of the exhibitors of music show XXXX XXXX in XXXX, California. 
On XXXX XX/XX/XXXX we wired XXXX USD from our XXXX XXXX account ( XXXX XXXX XXXX, acount no : XXXX, route XXXX ) to Wells Fargo Bank account ( ACCOUNT NUMBER : XXXX, XXXX : XXXX ) as a payment for booth construction at XXXX show. And only after doing it we found out that the beneficiary of funds was a fraudulent supplier, who never had intention to build our stand. We declared the crime to FBI and claimed our bank to cancel the transaction at same time. But the only thing we received from Wells Fargo was an answer that we should deal directly with a company who cheated us, knowing perfectly that we got a victim of internet crime and would not obtain any answer back from the company which cheated us, once they got funds. 
i enclose invoice we received from the fraudulent company, our payment confirmation

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 2020-12-17 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: OH

Complaint narrative:
I previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : 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 2020-12-17 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 — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Twice I have faxed Early Warning both their form and a copy of my drivers license requesting my free report. The process started XX/XX/2020. I have also sent the company two emails via their very confusing electronic portal. Once they said the form was not signed however it was faxed two more times and was signed. After that I have not received a response or reply.

Company response to consumer: Closed with explanation