vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: PA

Complaint narrative:
I made a couple of purchases of bitcoin through Coinbase 's  buy/sell feature and deposited to my Coinbase bitcoin wallet. My coinbase bitcoin wallet available balance reflects the amount of the deposits, however, I am unable to do anything with them. Initially Coinbase support told me that they just had to make sure the transactions cleared my bank. According to my bank the transactions have cleared. However, I am still unable to access my Coinbase bitcoin wallet for sending my bitcoin. Furthermore, now Bitcoin support is telling me it will 57 days before I will be able to do anything with the bitcoin in my wallet. They won't give me a reason other then they need to wait until the transactions have cleared my bank. When I phone them and tell them ( again ) that the transactions have cleared my bank they say there's nothing they can do - unacceptable. When I email them and tell them the transactions have cleared my bank with pictures showing proof of the cleared transactions, I get no reply from them. I've tried to close my account and have all funds transferred to a different wallet provider, however, Coinbase will not let me to this either. I basically consider them as having stole my money for 57 days or longer if they so choose. I wish I had researched them better before I decided to do " business '' with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: NY

Complaint narrative:
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point.

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % 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 2018-05-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point.

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: PA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX in the file Equifax maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for a closed unpaid medical collection account ( account # XXXX ), opened XX/XX/17 in the amount of {$73.00}. 

My address should read : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
TAKE OFF XXXX XXXX IN MY ADDRESS. I DO NOT LIVE IN AN APARTMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was a victim of your inquiry issue. I have 6 additional inquires on my XXXX   report that were not there before. I would like them removed. I also have a few inquiries I did not make and already reported when I had identity theft on my name.

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 2018-05-31 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: PR

Complaint narrative:
Regarding my last complaint # XXXX against EQUIFAX .The company continues to report inaccurate information in my credit report that does not finally DELETE XXXX from my EQUIFAX credit report. They removed that account from my report but put it back again ( see attached copy from XXXX XXXX site ) Clearly it is seen that they are not seriously checking the information to finally delete the XXXX account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.

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 2018-05-31 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: FL

Complaint narrative:
On XX/XX/XXXX of this year, I contacted Equifax concerning the illegal tactics that XXXX XXXX was using to attempt to collect money I have no knowledge I owe. The account number of the XXXX XXXX isXXXX. I requested that XXXX XXXX send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that XXXX XXXX is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from XXXX XXXX that it has reversed itself. 

XXXX XXXX can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I disputed the collection with XXXX years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I pulled a copy of my credit report and to my surprise I noticed that the credit bureau is reporting a medical debt that keeps being sold to several collection agencies illegally. Each time it can't be verified it's sold to someone new this alleged debt they are reporting under my social security number. Being that I constantly check my credit report to ensure that the credit bureau only retain current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHTS to do so. I DID NOT AUTHORIZE the credit bureau to mis-report any mis-information now or ever. Equifax is reporting inaccurate incomplete information in regards to XXXX XXXX a medical account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
We attempted to do a short sale last year in XX/XX/2017 and we were successful in doing so, being approved by the 2nd mortgage SPS in XX/XX/XXXX. The 1st mtg is with City of XXXX and we were also working on an approval but the City of XXXX has covenants on the property that directed the Buyer to have to purchase another lot that was owned by the Homeowner. This lot is not mortgaged, but there is a standing issue regarding a fraudulent deed. We could not fix it in time in XX/XX/XXXX so the Approval for SPS lapsed. About 2 months ago, we informed the Lender that the Buyer has informed us that he found an attorney that could fix the fraudulent deed issue and it was a matter of waiting for a court to approve certain paperwork. SPS however, still moved forward with foreclosing. We re-sent the Buyer 's offer ( that was once approved ) and asked for re-approval but SPS informed us that they could not stop the auction because " the  judge is the only one that can stop it ''. This is not correct since Massachusetts is not a judicial state. We will be escalating this file every day but we need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
i called and spoke to XXXX who is a supervisor on XX/XX/2018, they speak poor English and pretend to not understand English, i requested that they remove all inaccurate item, to date XX/XX/2018 they did not even do the dispute,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
They need to stop calling my job. I will sue for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
The lady who helped me at this bank was very nice and this saddens me to file the complaint because she is a good person : but Ive tried to work this out and my time is being wasted. It seems nothing gets done right unless I file these. So here we go - First off I was lied to by a division of the bank and A guy named XXXX XXXX from XXXX who do merchant processing. He told me he needed my personal info but would not check credit and I received a hard inquiry he then said was a soft pull. I have screenshots of text proving I told him dont touch my personal credit for the business or I would not sign up. He lied. I filed a complaint with the FTC, and that inquiry accounts for 10 % of my score and stays on my report years. 

Missouri law says I may bring action against anyone who harms me or my credit report. I demand financial compensation for XXXX XXXX XXXX lies and actions in the amount of {$250000.00} for deception and fraud. 

Next up is a nice kid named XXXX who I asked to updated my business address. I told him its fine to leave my personal address but my business needs to be right and matching all other docs and accounts. He told me he updated it but my card keeps being declined and will only work when I use the old zip code I asked to be updated. 

I called and a guy name XXXX transferred me to XXXX who was rude at the customer service number and it upset me. They are also forcing me to provide my ssn number on business account when I call in even tho I have a ein or duns number they can use for verification. 

I own a llc which is a desperate entity from the business owner under Missouri state law. Again I have the right to bring civil actions against anyone accessing filing they should not. By requesting my ssn for my business account daily my rights are being violated. 

I dont mind providing it up front when opening account which I did to prove Im not a terrorist or money laundering as XXXX XXXX explained. But after passing the know your customer check my business should be respected as a separate entity. I wont request money from fnb because I like XXXX as a person and she has helped me and been nice. Im going to simply politely ask you to have customer service use ein to verify when I call in and update the address on biz account to grandview like I asked XXXX to do. I dont demand compensation because you have treated my fair in the past. 

Im very sorry to file this complaint on your bank but the way XXXX treated and talked to me when I called in is unacceptable.

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 2018-05-31 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: OH

Complaint narrative:
I recently sent 3 letters to Experian asking for information about accounts on my credit report Im not familiar with. I asked Experian to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Experian If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Experian showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. They also disregarded my request to correct and remove addresses other than current. I also asked to remove notice that my home address is a non-residential address. Check attached Experian response sent to me on XX/XX/2018 file number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. Creditor : XXXX Account Number : XXXX Creditor : XXXX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : 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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disputed the collection with transunion years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you 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 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a small business account with American Express. When I tried to apply for an additional card for my new employee AMEX said that our company has reached its limit for additional cards ( 99 ). That didn't sound right to me, so I checked online and noticed that we only had 64 open cards with American Express. When I spoke to a supervisor, I was informed that they were also counting cards that had been previously closed/cancelled even though the employees were no longer with our company. Additionally, AMEX informed me that until those cards expired, we would not be able to open an additional card. I asked them to mail me information about those accounts so that I could document the expiration dates and confirm that no fraudulent activity was taking place. They refused to honor my request. I am now concerned that these " cancelled '' cards are being used without my consent and that it will effect my business and personal credit. What next steps should I take? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have several hard inquiries that I did not authorize for an auto loan.

Company response to consumer: Closed with explanation