vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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 opened an account with Gemini Trust Company , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2021, provided all the verification IDs, etc. They linked my bank acct and on XX/XX/2021 I was able to ACH funds ( {$5000.00} ). I was able to repeat the process 2 more times ( both {$5000.00} each ) once each on the following days without Issue. On XX/XX/2021 I made a purchase without Issue. Then again on XX/XX/2021 I placed a XXXX XXXX order on the XXXX platform. On XX/XX/2021 I received a message stating that " We've frozen your account Your Gemini account has been deactivated. Please contact Gemini support '' which I did immediately. Asking why the account was frozen in order to rectify things and to not do the same mistake again. I received a standard robo-generated response " We have received your request! - Problem with Account, XXXX '' without any other details. I tried to cancel my XXXX XXXX order. but was unable to do it. The order was later fulfilled on XX/XX/2021. On XX/XX/2021 I responded to my 1st email asking basically the same question. No response. I have patiently waited for some resolution and it has now been 15 days since the account was frozen. On XX/XX/2021 I sent another request email to the original email and have not received a response. I want this issue resolved and I want to remove my funds from Gemini. I did not realize how many people have had the same issue with Gemini. I should have checked prior to trying to do business with them. I have learned my lesson!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
Clarity services is portrayed to be the credit bureau they have my information and And placing me in a category with low income or fraud alerts I have no affiliations with either theyre misrepresenting me there gathering information on my financial information through XXXX and now clarity as a third-party is wanting to gather a credit report on me which I dont believe that they have any affiliation with me and experience

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 2021-05-25 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: MA

Complaint narrative:
I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from Experian Information Solutions , Inc. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that Experian check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
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 2021-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I missed a few payments on my truck 4 exactly, 3 consecutively missed payments, and 1 other missed payment shortly after. I was supporting my entire family through COVID 19, and had to take on more financial responsibilities. I tried to contact GM Financial multiple times about seeing if they can please wave/remove the missed payments off of my Credit Report. They were never able to give any helpful guidance on how to go about removing these missed payments and I was told twice they could not do anything. To contact the credit bureaus directly. I am XXXX XXXX XXXX and it is very important to me to have a clean credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: IL

Complaint narrative:
Experian did not delete the inaccurate address from my credit report. On XX/XX/2021, I disputed an inaccurate address on my credit report, they updated the inaccurate address with another inaccurate address.

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 2021-05-25 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: NJ

Complaint narrative:
On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as EQUIFAX, XXXX, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NJ

Complaint narrative:
On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as XXXX, XXXX, EXPERIAN any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian 1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and Experian has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.

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 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
In response to Medical Commercial Audit Inc. case # XXXX. 

This company provided information from the original creditor " XXXX XXXX  XXXX XXXX ''. 
I owe no debt to this 3rd party creditor considering the debt has been closed with the original creditor. 

They provided my personal information & not a HIPAA Relase Form nor a Transcript to even have my information released with Med Com Audit. My HIPAA Rights has been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2021-05-25 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
On my credit report it shows that I have a derogatory mark for non payment of a loan with a company named Speedy Cash that was opened on XX/XX/2019. I have disputed this issue with XXXX  as well as the company itself. This company is not licensed in the state of Illinois or the state of Indiana where I used to reside, I could not have obtained a loan from this company. This is negatively affecting my credit and I am trying to get it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and XXXX  has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.

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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been with coinbase.com for about 4 years now. Every time I login, I receive a code that is sent to my phone.. after I input that code, I then receive an email to authorize the login.

3 weeks ago I woke up and saw 3 codes being sent to my phone 6 hours ago. I was quick to login to my coinbase and saw multiple transactions being sent out to different addresses in increments of XXXX  .

They had also purchased more cryptocurrencies with my visa debit card ... depleting my checking account They took everything I checked my email and there was no authorization email sent by coinbase. Also no new ip address logins to my email. Security fault on coinbases end I'm assuming. I opened a dispute with coinbase and I got an automated response saying please allow 4-5 business days. It's been about 15 business days now. 3 weeks in total days with no response from coinbase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
When I closed on my mortgage I did not know that if you are backed by FHA that there is not to be any debentures on your mortgage loan. Midland Mortgage acquired my loan and they are in violation of 12 USC 1431 B.

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 2021-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO DEALER XXXX XXXX XXXX XXXX, NC XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PASTED DUE BALANCE. I ALSO HAVE PROOF THAT I OVER PAID AND THEY WAS SUPPOSE TO SEND ME A CHECK OUT AND NEVER DID!

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 2021-05-26 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: MA

Complaint narrative:
I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from XXXX  XXXX XXXX , XXXX. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that XXXX  check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
company name : XXXX XXXX XXXX XXXX  XXXX US {$2100.00} on XX/XX/2020 CITI BANK CREDIT We received your documents We'll update you once the investigation closes Thank you for providing additional documentation were reviewing your case details Thanks for getting back to us with more information about your case. Its all under review, and well be in touch shortly. 

CONDITIONAL CREDIT APPLIED This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Conditional credit applied Case ID 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 2021-05-26 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 submitted a Factual dispute to Equifax, XXXX  and XXXX  on XX/XX/XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. Equifax actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, Equifax has it showing XX/XX/2018 and XXXX has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My dispute against XXXX XXXX was not taken seriously.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
A dispute was resolved in my favor so chime credited my account {$5000.00}, on a provisional basis on XX/XX/XXXX, but then the provisional credit was turned into a permanent credit on XX/XX/2021. For some reason the bank made a negative {$5000.00} adjustment to my account on XX/XX/XXXX after adding {$5000.00} credit. So on XX/XX/XXXX when they subtracted {$5000.00} and added it back to take away the provisional credit and add the permanent one, the {$5000.00} credit only reversed the negative {$5000.00} balance and I ended up with a XXXX  balance so no check was issued to me. 

I closed this account XX/XX/2021 so all of this happened after the account was closed. 

Ive called and emailed so many times I cant count. The investigation team keeps denying my claim and Im not allowed to speak to anyone on that team nor email them. Ive escalated this to the investigation team within the dispute department four times and I get the same answer each time, a final decision was made and we already credited the account with the {$5000.00}. Theyve never told me why they made a negative {$5000.00} adjustment on XX/XX/XXXX, which seems to be the error. I received no money from chime since the credit was applied to my account and I was told by a manger in the dispute department that there was nothing they could do other than continue to escalate the issue to the investigation team and see if they give me a different answer. Of note, the manager in the dispute department agreed with me and understood that I am owed {$5000.00} but said he could not do anything about it. This was on Tuesday XX/XX/XXXX.

Company response to consumer: Closed with explanation