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: Coinbase, Inc.
State: NV

Complaint narrative:
I have an account with Coinbase to buy and sell crypto currencies. On XX/XX/XXXX I contacted them to freeze my account because I thought that my account may not be secure. They froze it but when I asked them the next day to unfreeze it, they did not. For 10 days I have asked them to unlock my account. I have only received auto responses. No one has reached out to me and my account is still frozen. Since the time that I requested that they unfreeze my account, the value of my investment went down almost 50 %. I have no access to my account and I have no means to communicate with Coinbase. They do not have an address or a phone number. A customer can only send messages thru their website. The website only send auto responses.

Company response to consumer: Closed with 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX  file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " SYNCB/Care Credit ''. I have sent and submitted multiple letters to XXXX  even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and XXXX  has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called Care Credit Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Spoke to property when I moved out after taking pictures of my apartment, did a walk through with a member of maintenance to ensure when I moved out we were on the same page. After speaking with the property manager she informed me that the pictures they took without me ( i.e. not during our walk through ) would not be provided to me. They took my deposit and applied it towards an unagreed upon amount then forwarded my information to another company to bill me for it. I expressed my displeasure with the amount and the breakdown they reduced the amount to right around {$200.00}. Later on they sent the account to a collection agency who has not been able to provide me with the information I have been requesting nor a date I can expect it after repeated conversations.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.

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: BAM Financial, LLC
State: CA

Complaint narrative:
BAM XXXX XXXX XXXX or XXXX XXXX  will not allow me to withdrawal my assets from my account. I am locked out of trading, ( buying and selling assets ) and even just being able to access my funds. I have submitted numerous tickets to the company with no reply. On XX/XX/2021 I submitted complaint ticket # XXXX. 
Also on XX/XX/2021 I made test USD deposit of {$620.00} which there is proof of deposit and amount left after the deposit was less - {$100.00} I really would just like withdrawal access of my funds. I have done nothing wrong. 
As of today XX/XX/2021 my account standing is {$25000.00} that I have absolutely no access to. Thank you for all your help and support!!

Company response to consumer: Untimely response
Consumer complaint received 2021-05-25 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: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I opened an account with Gemini around XX/XX/XXXX. I was able to successfully deposit {$1000.00} prior to submitting documentation to verify my identity. I submitted my identity early XXXX to access my {$1000.00} funds. Prior to verifying identity, a user can not trade or withdraw accounts, nor can a user close their account. Gemini states in their terms of service that identity authorization typically takes between five minutes to two hours. In a worst case scenario, Gemini states they may take up to five business days to verify identity. 

I submitted for identity verification over two weeks ago. I submitted more than ten service tickets, emailed the service desk more than ten times and attempted to call the company several times. I have not heard back from the company a single time. 

Gemini essentially locked my funds in their accounts preventing me the ability to trade, withdraw or cancel my account. They refuse to contact me to help resolve the issue. I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My loan with this financial institution was paid in full on XX/XX/XXXX. I received an escrow refund, but they withheld an additional {$95.00}. When I contacted the financial institution, the representative had me on hold for 20 minutes to find answers, but no one was available. She received my contact information and promised that someone would return my call to address this matter and it never happened.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have reached out to Equifax well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my 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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hello - I have been contacting Transunion credit reporting agency for over a week and transferred approximately ten times with no one able to adequately assist or know ANY way to resolve. Each call lasts 4-5 hours. 

I am attempting to get my annual credit report through annualcreditreport.com and services.transunion.com ; however, the system NEVER makes it to the verification questions and keeps generating error messages - " Unable to complete verification ''. After the agency 's general troubleshooting, there is no reason why I should not be able to pull my report. It comes across as the agency attempting to push consumers to the their paid website. The intended purpose of the website is for immediate access to your credit file to determine accuracy and monitor. According to Transunion, the credit report can be mailed ( which in the current mail climate would take almost 30 days and too long to catch errors, if applicable ). If the agency can verify my personal information to mail the report then what prevents them from verifying that same information to correct online access. When I log into Transunion with my user id/password, it says that a report was pulled within last 30 days. Yet, when selecting the link to view prior report, the data lists my pre-populated name ; however, file number and data credit fields are black. Please help so that I am able to check my profile expeditiously without further delay!!! I keep getting the run around. 

I never seem to get to ANY type of verification questions before getting the error screens included below. The only items that I enter are : my name, address, phone & email. Which are correct and included in my account profile.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have reached out to Experian well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit 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 2021-05-25 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 while now 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 XXXX XXXX

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: TX

Complaint narrative:
Experian and XXXXhas continuously and falsely verified this alleged account. Both Experian and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( portfolio recovery ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
OnXX/XX/XXXX i tried to sell off my XXXX Celo. upon first attempt to sell it was clear i did not have the full amount in my account but i assumed this was because my account was unverified. upon verifying my account the Celo i tried to sell initially was not returned to my account. Additionally. The amount sold was unavailable to my bank account. 

i would like a return of my lost tokens ( XXXX ) at price XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX. XXXX XXXX wont give me break down or signatures regarding these collections

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. XXXX  XXXX wont give me break down or signatures regarding these collections

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In 2020, I lost my job in XXXX due to XXXX. I missed exactly 5 payments. From XX/XX/2020 to XX/XX/2020. I was able to get in good standing in XXXX when I got a new job. However I called Capital One and asked for a Goodwill Adjustment on those payments since they happened exactly at the cusp of the Pandemic. And Ive had that account for exactly 12 years. They said there was nothing that they could do. But I think this is ridiculous due to the fact that they were well aware of the pandemic. I'm really trying to get everything back together.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have reached out to TransUnion well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit 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: 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: CA

Complaint narrative:
This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: CA

Complaint narrative:
I paid full amount they were collecting for XXXX XXXX on XX/XX/2021. They have not notified as XXXX as of yet that amount was paid in full neither provide with any further information other that the account has been settled and they dont know why is not remove from my 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was a chime member for over a year now and have had my card/wallet stolen from me while I was at work it happens but Ive made reports about this issue and chime has closed my account without notice with all of my living expenses on there ( funds ) and there telling me nothing can be done about it that I would have to wait nor did anyone tell me why my account has been closed. This happened as of today XX/XX/2020 Ive been contacting them and they just stopped answering me. I call customer service its an automated message that knows all of my information and blocks me from connection to a live agent, very unprofessional and inconvenient to individuals using this bank, I just need my funds all my money is on there my direct deposit is connected through there I dont know how Im going to survive I need help please!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and transunionhas continuously and falsely verified this alleged account. Both XXXX  and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX. 
As of XXXX XXXX it is still on all 3 credit bureaus.

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: CA

Complaint narrative:
This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXXXX/XX/XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.

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