vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I opened my account with Coinbase back in XX/XX/XXXX and purchased a Bitcoin and then I had my email that I was using at the time shutdown due to not having service with them anymore. After lots of years trying to reopen my email account I was finally able to gain access to it. I was able to reset my Coinbase password and gain access to my account and my Bitcoin was in my account. I tried to sell my coin and the site said that my account was restricted to buy and sell. I uploaded all the required varication on XX/XX/XXXX. I received email XX/XX/XXXX stating that my ID uploads were summited successfully and it would take 48-72 hours but sometime longer. Tomorrow it will be one month this is under review. I have done nothing wrong or suspicious. I have lived at the same address since I have bought the coin I have the same phone number same email and the same bank account that I purchased it with back in XXXX. Verifying my information should be quick and easy. I know that Crypto Currency is not main stream but we are not dealing with a small amount of money. I have as of today over {$57000.00} locked out that I can not sell or manage. If XXXX XXXX or XXXX XXXX did this same thing it would not be accepted. I do not know much about Coinbase as a company but I do know that they are about to have an IPO for {$100.00} XXXX evaluation soon. The company does not have any phone tech support that is hard to believe the email tech support would not be able to unlock an account for a month. I have researched lots online and the XXXX and XXXX groups are flooded with similar experiences. I am sure some of them are individuals that are trying the fraud Coinbase or launder money or something but this is not my case. Maybe they are just trying to protect my money which I appreciate but a month is a long time to verify something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 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: I.C. System, 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 XXXXXXXXXXXX XXXX XXXX ( Original Creditor : AT T ) XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX 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 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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: AMERIS BANCORP
State: GA

Complaint narrative:
a draft was taken out of my account of XXXX fr0m XXXX and then it was returned i was changed XXXX returned fee then another XXXX on XX/XX/21 then ameris bank allowed XXXX to take {$120.00} return fee {$35.00} then they continued to charged {$35.00} and they continuously changed me {$35.00} 4 more times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.

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 2021-03-10 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: 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 XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX 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 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 2021-03-10 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: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: ECMC GROUP, INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had received multiple notices of debt collection for 2 accounts from Midland Credit Management from XX/XX/XXXX to a certified letter potentially threatening legal action on XX/XX/XXXX. In response to a debt collection letter for account # 1 sent XX/XX/XXXX and another for account # 2 on XX/XX/XXXX, I sent a letter requesting validation of both debts : one dated XX/XX/XXXX and the other XX/XX/XXXX respectively. To this day, I have never received a validation of debt response for either accounts but have received multiple requests for debt payment via letter, multiple threats of MCM considering legal action, and potentially a court order via certified letter tomorrow from MCM. To add insult onto injury, I've found multiple addresses listed both online and on written notices for where debt validation letters should be sent to by consumers. While I can verify the validation letters sent on my part were to the address listed on received debt collection notices, it is impossible to verify if those addresses both in my letters and online are accurate and checked by MCM currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: HW Holding, 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 HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX 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 2021-03-10 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-10 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: World Acceptance Corporation
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 Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... WORLD FINANCE CORPORAT 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 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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, a claim was made against my Chase Checking Account. This was a false XXXX $ claim made after a booked session at my studio where I sound engineer. A week into XXXX, my account and its funds were frozen. The claimant can not be contacted through any information I had from when the session was booked, Chase associates continue to tell me they can not give my any contact information, and that I have to let an investigation process go through. Weve found countless pieces of evidence in which makes the transaction false, the person has not reached out to his own bank let alone myself, and Chase does not seem to care. Its been 2 months now, I am an independent college student with over a thousand dollars frozen in an account that Chase investigators have not seemed to look into at all. In a pandemic, the bank Ive used since my first years of High School will not help and they say the persons bank ( which we found out is XXXX XXXX has not sent any notification back to finalize the claim. All my deposits have had to switch to cash, my bills have been late because of this, and I have been put in countless situations by Chase due to them withholding my entire account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
To The Fraud Department, My name is XXXX XXXX and around XX/XX/2021 I was diagnosed with XXXX XXXXXXXX. I found out that my husband used my Huntington bank debit card and credit cards to buy his XXXX lavish gifts. While I was in the hospital my husband has access to my phone, my email which is on my phone, and my wallet with my debit card and credit cards which was all left in the house when I was rushed to the hospital fighting XXXX. My husband of 20 years guessed my debit card pin to access my debit card to buy his XXXX  gifts. I have filed for divorce and I have filed a Fraud complaint on my husband of 20 years. The fraud complaint is attached in this email and I have reached out to Huntington bank to reverse the charges of {$17000.00} that was placed in the act of fraud by my husband of 20 years on his mistress. Under the fair credit billing act and fair credit reporting act I am not responsible for the charges. I just want my life and fund back this monster of a husband took from me. I am keeping a record of all emails, fax and phone calls about this case. 

I have also filled out an FTC complaint and attached it in this complaint I look forward to hearing from someone very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX commonwealth financial reported moving a negative to collection. And again reported moving the same negative to collection on XX/XX/XXXX. So this company moved a negative to collection twice to damage my credit. The problem is XXXX XXXX is already in collection on my credit for this account. Commonwealth is reporting fraud accounts on people 's credit. The medical bill is already in my account as collection but Commonwealth is trying to bill me twice. See attachment. 

Collection Agency COMMONWEALTH FINANCIAL Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA Zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: KS

Complaint narrative:
For the past few years, TransUnion has refused me access to my credit report on my online account with their website, via XXXX, and in writing with all required identity documents included. I have called several times and they promise calls from escalation teams but never call. Some have said their are maintenance issues with my credit file but they refuse to fix it for three years now. 

The last time I had my credit report from transunion there was inaccurate information that according the the representative today, has still has not been removed despite submitted disputes.

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 2021-03-10 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: 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 ... XXXX XXXX XXXX ... XXXX XXXXXXXX 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 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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Am having a Problem with M & T Bank with a Transaction i did not Authorize for the amount {$270.00} from XXXX XX/XX/2021 i lost my debit card XX/XX/2021 from my checking account ending : XXXX Please help me with this i open a claim with M & T bank claim number : XXXX Please help me with this i never did anything with this Company XXXX and never used my card to buy anything from this company

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
I received a collection notice from 2 businesses XXXX XXXX XXXX and Dynamic Recovery Solutions. Both claim rights to collect the debt for XXXX XXXX. I received notice from XXXX XXXX XXXX  first and signed a Debt Settlement Agreement with them on XX/XX/2021 then I received a notice from Dynamic Recovery Solutions on XX/XX/2021 both were for XXXX XXXX. I how do I know who has the current account. How do I verify who can collect the debt. Who is the ligitiment collector of the debt, please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( XXXX, Equifax - XX/XX/2021, and XXXX XXXX XXXXXX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: OH

Complaint narrative:
I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Full First name is 'XXXX XXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from Experian when I first looked at it showed me my name as 15 names. The same name is shown on the Experian report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # 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 non-monetary relief