vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened an account with Coinbase on XX/XX/2020. My account is verified ( see attached email ). Despite me having many emails and bank statements confirming my purchase of various crypto, none of coinbase confirmations contain my account number. I find this concerning and question the reasoning for this lack of basic account information in the event of a hack, how would they know how much was stolen and to whoms account? This basic information should be provided on each confirmation of crypto purchase. 

On XX/XX/2020, I attempted to get into my account. I was met with the following message : " Sorry your account is temporarily disabled '', Please contact support ( see attached ). 

Yet, they provide NO contact information! They lock you out, period. This Company have a very very very bad reputation, which unfortunately I became aware of after the fact, and have been reprimanded by the SEC for exactly the same kind of shady business culture. Many people I know are dealing with the same shady interference by Coinbase. I believe they are keeping our funds and skimming of the interest. An investigation into this companys business practices is warranted. Just go on XXXX, and the internet and you will see ALL the account holders dealing with the same issue, and coinbase refusing to contact them. Some people end up walking away because coninbase ignore all requests. It is disgusting that this company ahs been able to do this for so long. 
I contacted coinbase on XXXX, as their website do not provide any links to contact support. 

It quickly become clear, that coinbase had absolutely no intentions of trying to fix their issue. The rep was arrogant and rude. When I asked questions that required transparency, he was unable to, or chose not to answer. He lied, telling me 2 different reasons ; 1 ) A glitch, then 1 minute later changed it to Malware. I then asked him, are you telling me coinbase is not secure, he ignored me, this after telling me to calm down, as I was and remain angry that I am unable to manage MY account with MY crypto. I will hold these XXXX  responsible ( it is their incompetence ) if I lose money, be it due to an increase or decrease in the cryptos value. It has been 3 days already, and they have done nothing, no status update, nothing. As you know, time is of the essence when dealing with crypto currency investments This shady company is costing me money. I need to be able to manage my account and various investments. They don't care, they play games with our investments. Either ay, they will cause me to loose money such is the Crypto investment if you fail to keep up on it/unable to manage it. 

Please find out what is really going on with this company, because it is not right what they are doing to many many accounts. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting to the three credit bureaus XXXX, XXXX and Expetian the XXXX XXXX XXXX account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the 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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting my account as unpaid and in collections with crown assets. This account is paid in full and closed for months how is it that this account is in collections as XX/XX/2020 when its paid in full and in good standing. How can I be in collections on a paid closed account. They must update their files. This fraudulent reporting is damaging my credit status and it must be corrected. With the pandemic and dealing with covid is an unnecessary issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This incident is regarding a purchase made at XXXX in the XXXX XXXX in XXXX, CA around on XX/XX/2020 around XXXX. Upon making my purchase the cashier asked me if I was interested in opening a store credit card to get 20 % off and I politely decline. She asked if I was interested in promotional offers and coupons and asked to see my drivers license. I agree and she takes my information down and asks me to answer the questions on the pad. I clarify, this isnt for a store card, right? She says no. As Im putting in my social and income, I get concerned and state that I would like to just do a traditional credit card purchase with no promotions or coupons and she cancels the transaction. Around 4 hours later, I receive an alert from XXXX that Macys did a hard inquiry credit pull and my score decreased 6 points. I return to Macys that same day around 4 hours later explain to the manager ( XXXX XXXX ) what happened and she explains that I should have received a different receipt but will contact me after looking into the problem. Today, on XXXX XXXX I hear back from the same manager and is informed that she essentially does not know how that happened. I explain that on my XXXX account, Macys is the listed company to who pulled it and I did not give anyone any authorization to pull my credit. I feel as if my problem was not fixed and my credit was unethically and illegally attained. I did not authorize that credit transaction. 

The purchase was in the amount of {$210.00} for a XXXX XXXX handbag.

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 2020-12-21 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-21 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX account opened Amount owed- {$1000.00} Company Name- Common Wealth Financial Not my debt, havent been to the hospital since XX/XX/XXXX and I had insurance to cover my visit and I go to the walk-in click for my dr visit I pay cash ... there is no way the account that was opened in XX/XX/XXXX is my debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I have been delivered papers by a collection company named LVNV Funding LLC, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the offices of XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, XXXX XXXX, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: MD

Complaint narrative:
I Gave notice to company that my personal information was exposed in the XXXX  data breach and i have been a victim of identity theft. At the time i did not recognize the account XXXX XXXX thats on my credit file. per section 605b of Fcra this account must be deleted immediately.

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 2020-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 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: Advantage Credit, Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have been delivered papers by a collection company named XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the XXXX XXXX XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, Synchrony Bank, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/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 2020-12-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
The company NCB MANAGEMENT SERVICES, reported to the three mayor credit Bureau, a fraudulent account opened under my name XXXX XX/XX/XXXX: Report Number : XXXX Date Generated : XX/XX/2020 ) and associated under my credit profile. I tried to deal with NCB MANAGEMENT SERVICES and with Credit Bureau like XX/XX/XXXX and XX/XX/XXXX but no one tried to help me. Every time that I tried to open a dispute withXX/XX/XXXX I got the following error : " You have previously disputed this item. We are not required to process a duplicative dispute. '' Now NCB MANAGEMENT SERVICES had associated the same account into my wife credit profile. 
My wife tried to get a new car and now she was unable due to the fraudulent account. 

Please I need your help. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2020-12-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit bureau received my certified mail dated XX/XX/2020. To investigate a report on my credit file about a Bankruptcy. I have a letter from the court stating that they don't report anything to the credit bureau. I also freeze all my information through XXXX. I received a letter from Equifax that they have verified. That is misleading and fraud by not really contacting the bankruptcy court to verify such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was the victim of fraudulent transactions to my Chime checking account ( I believe via debit card ). I received texts alerts while at my job with my debit card in my possession asking if I authorized the following charges : {$1000.00} at 'XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$1000.00} at 'XXXX XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$56.00} at 'XXXX XXXX XXXX XXXX ' on ( to which I did not respond ) After I responded " no '' on the first fraudulent charge, I was assured via the text message alert system with Chime Bank that " The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime App and request a new card from the settings screen or call XXXX '' However, another charge was placed and I received the same alert to which I responded " no '' and received the same supposedly re-assuring message stating that the transaction was blocked and no funds were taken. I took the appropriate action and disabled transactions and ordered a new card. However all of the money was taken anyway via these transactions above, and in total below : In total, the following charges ( in North Carolina and California ) were unauthorized and made and posted to my checking account while I was at my place of employment in Louisiana ( including three of the transactions above : XX/XX/XXXX : {$1000.00} at XXXX in XXXX, North Carolina XX/XX/XXXX : {$2000.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} at XXXX in California XX/XX/XXXX : {$2.00} at XXXXXXXX XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$1300.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} XXXX XXXX XXXX in North Carolina XX/XX/XXXX : {$22.00} at XXXX XXXX XXXX in California I called multiple times and emailed them multiple times in which I was notified that an investigation was open and that a credit would be sent to my account, but I was notified by Chime even after appealing and reopening the case with them providing proof of my hours at work in Louisiana showing that I was at work during the time of these transactions and NOT in XXXX, North Carolina, XXXX, North Carolina, nor California at the time of any of these transactions. Ultimately my account was closed by Chime and I NEVER received any of my money back for these fraudulent charges totaling {$4300.00}.

Company response to consumer: Closed with explanation