vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # XXXX ) XXXX. Ownership of this account XXXX. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I filed a dispute with XXXX and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of 30 years and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and XXXX closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through Credit Acceptance needs to be removed off of my credit

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 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
Coinbase pro has a publicly traded ETF under the ticker COIN therefore I listed this complaint with the company not the ETF. 
On XX/XX/XXXX Coinbase pro listed the crypto currency gyen for trading. A day later gyen suffered a " glitch '' which did not allow for the proper minting of the coin which drove the price up rapidly. Coinbase pro was aware of this and did not halt the coins ability to trade immediately. 

After this glitch was fixed by the creators of the Gyen coin, Coinbase and Coinbase pro experienced an issue which no other exchange that was trading gyen coin did. Coinbase and Coinbase pro awarded certain accounts with 100 times the amount of coins they actually had purchased. This on top of the fixing the gyen  minting algorithm made the circulating supply go from 2.3B to 32B in just a few days. This totally devalued the price of gyen coin. It was after the total crash did Coinbase / Pro halt the currency. 

It is my understanding that people were able to capitalize on the glitch and sold 100 X coins they never paid for. So the liquidity of the coins value was given away and traded. It wasn't until days of Coinbase knowing that there problems that they actually halted the coin. Now coinbase pro and coinbase are holding peoples funds as they try and recover the money they gave away. It has been halted now since about XXXX CST on XX/XX/XXXX. Even though I never experience 100 times my coins my order history does not even reflect the amount of gyen coins I traded. This whole things feels like a scam. I know the SEC does not regulate crypto but you do regulate the ETF COIN that is based of Coinbase. I am very upset over this whole thing has Coinbase should have shut down traded the moment the coin failed to mint itself properly instead they waited for a bigger problem to arrise. 

To make matters force the exchange XXXX delisted the coin gyen  just days after release for almost the same issues. I did not know this until after the fact I bought in. 

Keep in mind this happened to 1000 's of people with millions of USD $ all while Coinbase charged fees to wreck their portfolio and remove the ability for people to transfer or withdraw their funds. That should be illegal and their ability to halt the coin sooner seems like a scam. 

I was in and out many times on this coin my Intial investment went from {$2600.00} down to {$800.00}. Meanwhile while my gyen coins were locked by Coinbase pro the value of them went down another 50 %. Currently Coinbase transaction history is so broken it can not even reflect the proper amount of coins I bought or sold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The company does an automatic payment through my account whether it is for the full amount or a lesser amount every month. They have reported my account 3 month past due. If they are taking my money they need to remove the late payment reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
False and defamatory information continues to be included on my credit report by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Bank is illegally charging overdraft fees even though I have a binding overdraft protection contract with them for two specific accounts. TD bank decided to stop transferring funds from a linked account in order to prevent over draft fees but Instead took advantage of me to make profit with high overdraft fees. TD bank engages in predatory banking with their excessive and unethical unfair banking practices. I need my overdraft fees reversed because a binding contract to offset and prevent overdraft fees is in place. TD bank made me go to a local branch in XXXX, Delaware to sign a document that will link my savings account to checking account so that I would avoid getting charged overdraft fees. When I asked why they stopped transferring money from a linked account to checking account so I may not get charged excessive fees, I was told that we dont know mum. In addition, I was advised by TD bank not to manually transfer my money from savings account, to allow their system to cycle itself and cover debit transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting to TransUnion. They removed it on XXXX and XXXX but they were not able to remove it to TransUnion with an account number XXXX. 
These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2021-11-24 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: FL

Complaint narrative:
I applied to refinance my house and my credit scores which normally are in the XXXX  's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XXXX XXXX, 2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from Experian stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account 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
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, I am a user of the Coinbase trading app. Last Friday XX/XX/XXXX I made a purchase to acquire XXXX shares. Coinbase has had a system error and because of this they have locked out all access to my account. I can not trade or sell or withdraw any funds whatsoever and their customer support has done nothing. The amount of shares have also since been reduced that is not accurate to the amount purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Texas Guaranteed
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX XXXX AND I BEEN TRYING TO CONTACTA STUDENT LOAN COMPANY THAT HAS BEEN REPORTING ACOOUNT WITH A STATUS OF COLLECTION, OR PASS DUE OR WITH SOME TYPE OF PAYMENT ISSUE, ALL OF MY STUDENT LOANS ARE ALL PAYED SO THE BALANCE IS 0 AND AS AGREED. 
THE ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX 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 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
THIS ACCOUNT ITS NOT MY ITS FRAUD. 

COMPANY : CALVARY PORTFOLIO ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2021 Chase bank debited my account XXXX for their " Overdraft Assistance Fee '' and then debited my account XXXX for my XXXX XXXXnsurance through XXXX XXXX pay. My account was left at XXXX XX/XX/2021. 
On XX/XX/XXXX, My XXXX XXXXt was delivered to my XXXX account of XXXX. Instead of my XXXX  account being XXXX it was XXXX. They canceled my XXXX XXXX insurance with XXXX and then CREDITED my account again XXXX with their " Overdraft Assistance Fee ''. I watch and wait from XXXX XXXX XX/XX/XXXX to see if XXXX insurance will send an email stating my XXXX was sent back and they need a payment. But I never receive an email, I check my XXXX account and its stating the payment was valid and accounted for. I talk with a chase XXXX and they are saying the payment was never received. So for two weeks i had a XXXX Car insurance payment no where in my checking account but was accounted for with XXXX insurance. On top of an unaccounted-for debit, Chase bank XXXX XXXX '' me XXXX the same day. On XX/XX/XXXX, XXXX sent me an email stating they never received my payment after I called the previous day regarding my account and billing. The one XXXX is returned by the bank from my XXXX account and but was never returned to my XXXX  account. On XX/XX/XXXX I was given a threat that my insurance policy was going to be canceled. So I would like the XXXX to investigate where was XXXX $ was from XX/XX/XXXX - XX/XX/XXXX, and if the XXXX " credit '' my other half of my child credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-11-24 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: PA

Complaint narrative:
Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. Experian, XXXX, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within four business days, and to promptly notify the furnisher ( s ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )

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