vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: Coinbase, Inc.
State: TX

Complaint narrative:
I might of been hacked or hacked and have been reaching out to XXXX  support about the issue since XX/XX/XXXX. I lost access to my XXXX phone number that is tied to my coinbase and coinbase pro accounts. I used XXXX XXXX  for XXXX  authentication and when I set that up I saved my recovery key in case my phone was lost, stollen etc. On my new phone I used the recovery key to generate the authentication codes on my new phone but the keys are invalid. I filled a complaint with the XXXX after getting a response via email saying my issue has been escalated and a specialist will be in contact with me within five days. I do not get contacted back about my issue until I sent multiple replies asking why it is taking so long. It has been almost six months and I still can not get access to my account I have had with coinbase since around XXXX or XXXX. The help desk contacted me back finally and asked me to make a temporary account and only upload my ID and take a selfie with my webcam to verify my identity so they could verify my account and add my new phone number. I did this over a week ago, I have done everything they asked of me ; including following all the FAQs. I have sent replies asking about a time frame to update my account and have yet to get a reply back when the help desk specialist said they would.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a formal complaint against JPMorgan Chase Bank located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JPMorgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: FL

Complaint narrative:
i have a loan with loan care # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now loan care reported to XXXX  my credit agency that i am delinquent 60 days XXXX  have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and XXXX  told me laon care reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. XXXX and XXXX needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.

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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS Associates put a already paid account from XXXX XXXX XXXX  on my credit reports on XX/XX/XXXX. This account was paid in full over a month ago in XXXX directly to XXXX XXXX XXXX so I never owed this debt to them ever. This is illegal and in violation of the FDCPA. This account should be removed not updated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive called XXXX, transunion and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.

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 2021-05-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive called XXXX, XXXX and equifax to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/21 I called Bank of America to seek assistance with fees that had been improperly charged to my account multiple times. I spoke with a representative named XXXX who was very rude to me and sought to chastise me instead of treating me with the proper respect. I also spoke with a Manager on XX/XX/21 named XXXX who also did the same. It was shocking to see such extreme rudeness and a general lack of willingness to help a client that has been with the bank for years. The lack of care from these individuals has not only caused me financial distress but has precipitated my unwillingness to want to continue to do business with Bank of America.

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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: OH

Complaint narrative:
On XX/XX/2021 I reviewed my credit report with XXXX, XXXX and XXXX. I had noticed a collection item was placed on there for Centron Services Inc in the amount of {$2200.00}. Account number displayed was XXXX. I called the collections agency which was named Centron Services Inc with a phone number XXXX. I spoke to a male collector. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Also Centron Services Inc did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. I requested proof bearing any documents with my signature on it with Centron Services Inc company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents. 

Also, the creditor they claim i owe funds to is being sued in a Class Action Lawsuit, please see Christine Skinner, et al. v. Glacier Bank. Centron Services Inc is unable to validate any true amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt Automated Collection representing XXXX XXXX XXXX {$9300.00} XX/XX/2017 request reasonable accommodation and modification for my XXXX  XXXX son at the apartment complex where we start living on XX/XX/2017, after providing the form they requested together with doctor recommendations letter, the administration never responded forcing me and my family move out from the community. I spend again in deposit and first month new rental with the moving spent, Administration apologies letter received for how residents where affected by the violent environment. But never did anything in particular for my family. 
I start receiving calls letters from this collection agency who is reporting that I owe $ XXXX, I try to talk to them and XXXX XXXX XXXX they still reporting this false debt statement into my credit, preventing me from purchasing a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. I pulled my background report through XXXX and discovered that I now have an alias that I was not aware of, which links back to a roommate that I had approximately four years back. There is also now a phone number and e-mail address that links me to my old roommate that I was not aware of. 

I have filed an identity theft complaint with the FTC, as well as XXXX 's free AIG identity theft insurance. I was able to place a credit freeze on my credit reports through XXXX and XXXX, however, Equifax is not allowing me to do so. 

I called them on XX/XX/2021 and tried to place a freeze on my report. What the agent informed me is that they want me to submit a request in writing that includes a cover letter, a copy of my ID, social security card and phone number before they will consider placing a freeze on my report. 

I tried to place a freeze online after speaking to the agent over the phone and Equifax will not allow me to place a freeze on my report. I am uploading a screenshot of what it said after I tried to initiate that freeze online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Coinbase, Inc.

Complaint narrative:
I have a account on coinbase.com with XXXX XXXX  in my wallet. I've bought XXXX XXXX on XX/XX/21 and another XXXX on XX/XX/21. Since then I can not sell, buy, send or receive any of the coins. I have access to the account but always get the message that they have to verify/examine my account and this should take XXXX or 2 days. 
So I contacted the support on XX/XX/21 to ask how long this will take and that. I want to send my coins to another wallet or sell them and need access. 

Here is the answer : " Hi XXXX, Thanks for following up with us. 

We hear your frustration, and we understand this is not the most ideal experience. Were currently receiving a high number of requests, but our team is working diligently to get to your account review. 

In the meantime, please do not submit multiple support requests as this could cause further delays. We will contact you as soon as we have an update. 

Regards, Coinbase Support '' Since then I contacted support every 2-3 days. The last email was yesterday XX/XX/21 and all I get is the same answer an no help. I still can not access my asset. 

So I've contacted the FRC to help me with this case and they gave me the link and asked me to contact the consumerfinance. 

I kindly ask you to help me to get access to my assets. 

Thank you in advance! 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
I have reached out to XXXX XXXX, and explained to them I have never had an account with their company. They told me to complete this forma nd they w3ill investigate it. This is affecting my credit and would like it to be removed immediately. 

-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I ordered a bedroom set with XXXX XXXX through my Synchrony bank Credit Card store card. 
The delivery men delivered 4 of the 5 pieces into the room upstairs. On the 5th piece of furniture, I advised him to please becareful with the walls, I noticed he hit the walls with other pieces and the blinds causing damage. He right after said he needs to call customer service to have them have me sign a form. I advised him sign a form for what? He said to release liability, I advised him 4 of the 5 pieces are already delivered in the room, shouldn't this have been done in the beginning. He said yes, but it wasn't and now they are requesting it. He said I need to sign the form to have all pieces delivered, if not he will have to take all other pieces out of the room and i will be charged a 15 % restocking fee. I advised him I didn't agree to this nor sign for anything. He said I could take this up with XXXX XXXX and went upstairs and removed the 4 pieces already delivered. I have been disputing this with XXXX XXXX and Synchrony, but no response just the balance due to Synchrony. They're not wanting to assist nor provide any proof that this is due, but the balance keeps appearing on my credit card statement.

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 monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I disputed my Victoria secret and its been paid off for awhile now and they still wont take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Problem with personal statement of dispute
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
XXXX XXXX XXXX I would also like to point out another FCRA that will be used against you if you choose not to comply with federal law failing to indicate that you had hired a private counsel to represent you and Failed to note that on my credit report XXXX XXXX XXXX. The FCRA is very very clear about that you must and I repeat must indicate that on the consumer report. Please remove immediately Counsel I have included you to this complaint as well could you offer your input and tell us what does the FCRA states about The original creditor placing an account with a 3rd party debt collector?? What should XXXX XXXX XXXX have noted on the report when they consult you? I tell you your name should have been in remarks saying you are handling the account. 
A does the original creditors need to do this also is this required by law?? 
B the 3rd party agency add the information to the original creditors tradeline? 
C it doesnt need to report on a consumer credit file Please answer to the best of your ability counsel thank you. 
XXXX I have every single credit report that I can provide to you that XXXX XXXX XXXX failed to follow the law!! Try me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As shown on my credit report it shows 30 days late in XX/XX/XXXX and XX/XX/XXXX but I paid on time as shown by my XXXX  report please correct this inaccuracies as paid on time

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 2021-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I was a student at the defunct XXXX XXXX and they recently lost a lawsuit for predatory loans. I was enrolled XX/XX/XXXX - XX/XX/XXXX. While I did complete the program, the loan amounts are so astronomical for a 2 year program. Due to the fact that they have been closed and sued, I would like to request forgiveness for the loans. I have filled out a form on the FAFSA site, and due to me not being active during the XX/XX/XXXX closure, it says that I did not meet the requirements. 

Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$47000.00} Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$24000.00} Total Current Balance : {$86000.00} Total Number of Loans : 2

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 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: PA

Complaint narrative:
Opened a secured credit card account with US Bank with the idea that I can get into a regular credit card with the bank. Made an initial deposit of {$300.00} and have paid the account current since opening. Have actually paid off the card every month after use, was advised that I can put in a request for a regular credit card on XXXX. I put in said request but was denied stating that they are going by my credit history however I have other cards that I use in similar fashion. I believe it is unfair of US Bank not to take into consideration the history I have with them personally rather than them focusing on others that is not relevant to my account history with US Bank. Furthermore items in my record are not accurate and are being disputed, a fact that US bank is not taking into consideration.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.

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