vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
After My {$23000.00} from my initial XXXX Currency transaction disappeared on XXXX XXXX and I called the support line at Coinbase which locked my account, I received a call from a supposed Coinbase support person. he was going to help me verify my ID and reconnect my Coinbase account. Most of Coinbase support is run online through XXXX and it is replete with scammers and terrible support response. After a couple weeks of trying to get my identification verified and the account reconnected it was finally reconnected and the support person was supposed to put {$33000.00} back in my account to reimburse my funds and account for the increase in value. I also agreed to put in another {$20000.00}. When the account was finally back up, the funds that initially disappeared were not there and all of the additional funds disappeared as well. Somebody sent the money out of my account in XXXX  currency transactions that I did not initiate. currency. Coinbase email support which I contacted on XX/XX/XXXX only contacted me back about my lost money on XXXX XXXX for the first time, but this was after all my assets were gone from my account and my balance was XXXX . Coinbase support is not only not responsive they are accusatory of customers. I have seen thousands of additional case like mine after delving into it. One case in late XX/XX/2021 where a customer from Florida had {$500000.00} stolen from his account. I believe this is being done by insiders or with the help of employees, because I like most other customers have XXXX on all my devices and email systems and could not be hacked that easily without inside access information. This company has been having this problem and complaints for years from customer and nothing is being done while it prepares to do a mega IPO and enrich executives by tens of billions of dollars. The operation MUST be shut down until this problem of stealing customer 's money from their trust accounts is resolved. Banks would not be allowed to operate with this problem, neither should Coinbase.

This is a Coinbase software and computer hack along with possible employee customer support Scam. This is happening all over the world and these companies/ exchanges should not be allowed to operate until they have a regulated form of customer support that deals with the multiple layers of fraud that is happening internally and externally that is wiping out customers accounts while executives profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: LD Holdings Group, LLC
State: AL

Complaint narrative:
I sent a letter to XXXX stating that I had an errant account from Loan Depot dated XX/XX/2021 with a letter from Loan Depot saying my account was paid in full. XXXX is still reporting that I owe {$280000.00} from Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My first complaint was filed in XXXX, XXXX. My second complaint was filed in XXXX, XXXX. Today, XX/XX/XXXX, I am filing yet another -- third complaint against Target Card Services, TD Bank USA, N.A. I made a {$480.00} purchase in XXXX, XXXX that brought my balance due to {$2600.00}. After making a payment of {$74.00} and adding the interest charge of {$51.00}, my XXXX, XXXX statement had a new balance due of {$2500.00}. My XXXX, XXXX statement reflects a {$77.00} payment, an interest charge of XXXX and a new balance due of {$2500.00}, and a payment due of {$76.00}. 

I called XXXX, at Target Card Services associate, on XX/XX/XXXX at about XXXX XXXX  and asked her what was my daily interest rate she said, 1.90. Well, last time I filed a complaint the daily rate was .00689, I asked XXXX why I had not been contacted concerning this new interest rate being applied to my account. XXXX said that I still had the 22.9 annual rate as well. My response was to say that I needed to file yet another complaint. 

This manipulation with my interest rate changing and fluctuations has to stop and TD Bank needs to adjust my current balance due to reflect the correct current interest rate that appears on the back of my monthly statement. Also, Target Card Services has never submitted to me a copy of the agreement that I signed stating that it was okay to charge a higher interest rate charge. I have repeatedly requested a copy via XXXXwo phone cals and one letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2021 My unemployment check was deposited into my PayPal account for the amount of {$780.00}. After the money was deposited, PayPal decided to lock my account and freeze my funds. I have had this account for less than a month. I have done nothing wrong but deposit money and use it to make online purchases. I contacted PayPal and they said I would have to wait 180 days to release my funds. I am unemployed, have bills to pay and a child to take care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like I am just a number instead of a real person. I feel like I'm being taken advantage of and being ignored of my disputes. As mentioned to each company my information was compromised in the Equifax data breach. At this point more than ever I believe my information may have got into the wrong hands. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2021-03-03 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: FL

Complaint narrative:
Information is reporting on my Equifax, XXXX and XXXX reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
Information is reporting on my XXXX XXXX  and Transunion reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being 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 2021-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted BSI financial when I noticed that my XX/XX/XXXX was not applied to my account. I then contacted BSI by phone requesting this be investigated. The representative, XXXX XXXX was suppose to escalate my request to be reviewed and promised an update by XX/XX/XXXX. After I heard nothing, I contacted him back by email and the information he provided had nothing to do with the XXXX payment. I sent them bank proof that XXXX payment was paid in the month of XX/XX/XXXX. When I asked to speak to management, specifically XXXX XXXX, the call is being intercepted because he does not want to speak to me. I also have a problem with XXXX XXXX which is the Loss Mitigator. Does not explain anything to the consumer correctly, ignores emails and is simply bad customer service all the way around. 

In my last case, BSI had illegally took fees from me during a bankruptcy and said it was a mistake. As a result of the complaint I noticed the fees were applied and now they are reversing it. No one has given me an explanation. 

I am victim of predatory lending. This organization takes out fees from consumers not providing any documentation once so ever. I have yet to receive information about my mortgage or fees. I look for the day to get away for this collector. I am also going to write to the Attorney General. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I recently challenged on the validity of a derogatory mark on my credit report per XXXX  for Account # XXXX CREDIT COLLECTION SERVICES. Upon, challenging this account, XXXX  deleted the account based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX  AND XXXX  you have verified this same account. It is my understanding that all creditor reports the SAME INFORMATION to all credit bureaus as expected under FCRA, I believe this is a direct violation of my consumer rights and I'm requesting this collection to be DELETED from XXXX  and XXXX  credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services
State: MI

Complaint narrative:
Centron services is using a knowingly forged document to attempt to collect a debt that I do not owe. I have recordings of their attorney admitting to fraud and have a police report in XXXX Montana for this fraud committed by Centron Services. Report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
@ XXXX I opened a XXXX Credit Card - I really never used the card for its intent. 
- The card was placed in a strong box and forgotten about. 
- In XXXX I applied for a car loan and I was informed that I had great credit and the only outstanding debt was @ {$18000.00} on this Credit Card, I then knew we had a problem as we have never used that credit card nor do we ever carry balances on credit cards. 
- I contacted XXXX  and spoke with the fraud department who stated that they agree it was fraud and that they would take care of this as I never made any of those purchases.. 
- It was then that I discovered that this card was tied to an fraudulent address that I have never lived and that the payments were being made since XXXX - I also contacted all 3 Credit Agencies ( XXXX, XXXX, Experian ) to file a dispute.

- To date XXXX  & XXXXXXXX  have removed this from my report as XXXX has written off the amount and closed the account. Transunion is still showing the fraudulent address. 
- To date XXXX  still shows this amount, still shows the fraudulent address and is showing the wrong date of birth. 
- I have been working to resolve this situation since XX/XX/XXXX and now need your help in resolution as all my correspondence in XXXX has not produced a resolution.

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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
1.XXXX XXXX  {$1400.00} -Mountain Run Solutions. XXXX XXXX. 

I keep receiving call asking for payment. I do not own anything through this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received notification from XXXX/XXXX/XXXX  that my credit had been ran on XX/XX/2021. This was not initiated by me and so I called CapitalOne to get some information. The customer service rep said they had no information about their organization running my credit. I was concerned about their inability to find ANY information or record of them running my credit within the last 24 hours and asked to speak to a supervisor and began recording the call. When the supervisor got on the line I let her know for my own protection I was recording the call. When she ( XXXX XXXX ID XXXX XXXX learned this she immediately said the call would be terminated, per CapitalOne policy, if it was being recorded. I asked for any reason why they policy would be in existence, one which a customer is barred from creating their own record of an interaction for the purposes of self protection particularly when they are calling as a result of a financial institutions failure to protect the identity of their customer. XXXX failed to give me any reason and repeated that the call would be terminated if it was recorded. After my call with XXXX I asked to be forwarded to customer service and they promptly informed me that a customer has the right to record a call -- directly contradicting what I had been previously told be XXXX. CapitalOne 's customer service department indicated they would make a report of the incident. If CapitalOne 's policy is valid then there shouldn't be any issue with a representative being able to explain the policy or forward a customer to someone who can. If their policy is in fact not valid then I feel it is my duty to blow the whistle on this criminal practice. I have the entire exchange recorded and would be happy to forward the audio file if it is deemed to be useful. I attached one audio recording, I have another but it exceeds the 10MB limit-If you would like it please let me know another method to get it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: PA

Complaint narrative:
I submitted a dispute with XXXX XXXX through XXXX  for XXXX XXXX XXXX XXXX XXXX. This dispute was placed on XX/XX/2021. Its now XX/XX/2021 and have not received no communication. Shows dispute is still pending and has been over 30 days. Legally by law if dispute is not resolved in 30 days, this needs to be removed off of my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America issued a debit card with the master card logo to accept my Nevada Unemployment weekly funds. On XX/XX/2020 an unauthorized transaction for {$270.00} was taken from that account at a branch I had never visited. I called Bank of America as soon as I discovered it and reported the unauthorized withdrawal. On XX/XX/2020 I received a letter regarding acct ending XXXX had suspicious or fraudulent activity and they sent me another card to use to accept my unemployment benefits .I called back and asked about the {$270.00} and they said they would take another look, pull some films. 
The new card ( without telling me was closed ) and has been since early XX/XX/2020. 
I have called many times and refuse to re-open my new account ending in XXXX or refund my {$270.00} I have not received my unemployment benefits for over 3 months because Bank of America will not re-open my account. Nevada Unemployment ( XXXX ) has paid my benefits weekly and confirmed my ID. Please Help Me Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Good day, Ive checked my coinbase wallet and all my money in there was gone I have a total of XXXX ETH equivalent to XXXXphp in my coinbase wallet but i havent done any withdrawal transaction. 

I tried to email them several times but no response since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: NJ

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Attached is a collection account I would like to be removed ASAP because this was an account created from identity fraud. I have my identity fraud report attached. I also have documents proving my identification. I will be mailing this to Equifax and the collector.

Company response to consumer: Closed with explanation