vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 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: FL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
I had invested money into Bitcoin through the popular Coinbase website. I have used this site before for transactions and they went through fine, however my last transaction was never completed even though it says it was. I sold the currency on XX/XX/XXXX and was expected to be paid XX/XX/XXXX from the company. The amount was for {$530.00} after fees. It was supposed to be transferred back into my bank account like it has been before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$1300.00} ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$410.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX +  {$100.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$54.00} Needs Attention Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear CFPB President, I 'm contacting you guys on behalf of my checking 's account that I had open with you guys when I lived in XXXX XXXX, XXXX I opened the account on the month of XX/XX/XXXX. 
I moved all the way across the state out here to XXXX, XXXX for work. 
So on Friday XX/XX/XXXX I came to the local bank of america branch to cash my {$400.00} check. I cashed my check then deposit {$20.00} and {$140.00} into my account. When I left the bank and came back to work. I tried to check my online banking account. For some odd and apparent reason. When I tried to log in the app. It said Account Locked so I had to contact a XXXX number. 
I contacted them and spoke to a representative, I was put on hold for an hour and a half due to reviewing of my account. I then was told that I was going to get transferred to the fraud department. I spoke with a gentlemen and he said we just had to verify some information. As soon as we verified information and everything seemed to be verified. I asked him. After this call. Am I going to be able to Log into my mobile app? He then replied, " yes ''. So then I told him thank you. And our call ended. 
He later called me back and told me they were going to close my account because I used XXXX XXXX? 
1st. I did n't get to use my XXXX XXXX, all I did was just put my debt card on file with android pay. So I did n't even get the chance to use it. 
His explanation was that because I used android pay they were going to have to close my account. My question is, why? when I did n't even get to use it. He then transferred me to the risk department. And they told me they will have to close my account under the deposit and disclossure agreement on page 2 there 's an agreement that say 's bank of america can close your account without and explanations. 
My whole thing is WHY would you guys close my account for no reason, for something I did n't even use. I 'm trying to get my plane ticket to go back home to XXXX. And now I cant even do that because my money is in the bank with you guys. I would say I only have {$150.00}. 
To be honest, I like bank of america. I even have a credit card with them to build my credit. I just do n't get why I have to go through so much, just to be able to get my money so I can fly back home.

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 2018-01-09 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XXXX XXXX continues to fail to provide the necessary proof that my consent was given in obtaining a hard inquire into my credit history. 
Per FCRA ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in  connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance Again I did not submit a hard or soft application and did not authorize Quicken loan to perform a hard credit inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XX/XX/XXXX-I received a letter in the mail that RPM ( Receivables Performance Management LLC ) is trying to collect a debt from XX/XX/XXXX, for XXXX XXXX saying I owe {$120.00}. I have never had an account with XXXX XXXX and this is the first I heard that I owe money for a XXXX XXXX account, I have never received anything from XXXX XXXX saying I owe them money ... .I think this company RPM is a FRAUD/SCAM!! I called RPM at XXXX, I spoke with a guy that eventually hung up on me, then I called back, got hung up on again, called back got a different lady that could barely speak English ( or so I thought ) until I said, " I 'm sorry can I speak with someone else I ca n't understand you '', suddenly she started speaking plain English!! then I am transferred to a so called manager, I opened a dispute with them and gave them my email address and telephone number ( which they got by caller ID ) - I am freaking out because I know this is a scam!! I then called XXXX XXXX XXXX they checked my name and address and said I do not owe them anything. The lady tried to connect me to XXXX disputes XXXX ; she said they have heard of this from several people. ***I know XXXX had a breach of information just a couple of months ago****

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, my wife tried to make a purchase on XXXX, but it got declined. My wife called me and said whats going on. I contacted Chase and I was transferred to multiple departments. Then I was told my account is being under review and therefore the card was declined on purchases. This was unnoticed and unforeseen. This kind of business practice is unacceptable. I have perfect credit history and no debts. I dont see the reason here as to why my account is closed. I called today XXXX/XXXX/XXXX and the lady told me my account is closed due to the short history with Chase Bank. With my credit experience in the past, I have never dealt with a bank like a Chase before. This is not how you treat prospective customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
XXXX XXXX who is on this mortgage died suddenly I was not on the loan at all I am filing to be personal rep of his estate I am filing that in the morning with the court. I have not been able to since the weather has been so cold and snowy. 
I will request that the Judge orders a stay on the foreclosure and eviction. 
I am XXXX old and have medical problems and no assistance

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have a relatively significant amount of bitcoin stored in a digital vault housed with Coinbase. They require approval from two email addresses that I setup to move the bitcoin out of the vault into my virtual wallet. I no longer have access to one of the two email addresses and therefore do not have access to my bitcoin. I emailed Bitcoin one month ago on XXXX XXXX requesting they help me. They responded and said my case required a specialist and it would be a priority for them to help me. Nothing has been resolved. Its a lot of money for me not to have access to for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have an account on www.coinbase.com. 

On XXXX XXXX, 2017 I contacted coinbase.com support with the following observation : " I just noticed that {$2000.00} were withdrawn from my bank account and deposited to my coinbase USD wallet. I did not initiate this deposit. '' In response, rightly so, Coinbase assumed my account was hacked and they put a hold on my account. Shortly afterwards, I went through my old emails and found a confirmation email from Coinbase, of me initiating the {$2000.00} transfer. That jogged my memory that I did in fact had requested that transfer. It usually takes a few days for the actual funds to be retrieved from you bank account. And I just forgot about it during those few days. 

Realizing that there was nothing wrong and I simply acted prematurely in contacting Coinbase support, I responded to the email describing what happened and asked support what steps I can take to unlock my account. 

This is where the problem started. All communication stopped from Coinbase support, after that first email where they notified me that my account was being put on hold. Like all other customers I waited patiently for a few days but then started to get worried. Emailed support again. Tried to reach them on phone. Tried to reach on XXXX. Nothing worked and I am still locked out!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
A letter, dated XX/XX/XXXX, was sent to One Main disputing the account. This letter was received by One Main on XX/XX/XXXX, as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I checked all three of my credit reports and the One Main was not shown as being disputed as required by FCRA 623 ( a ) ( 3 ). 

I sent a second letter to One Main advising One Main of their failure to show the account as disputed on my credit reports, a violation of FDCPA 807 ( 8 ), and asked that this account be removed from my credit reports. This letter was received by One Main on  XX/XX/XXXX as evidenced by USPS Tracking number XXXX. 

On XX/XX/XXXX, I received a letter from One Main, dated XX/XX/XXXX, stating that the account is now being reported as disputed, 49 ( forty-nine ) days after One Main 's receipt of my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. 
Case number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank has sent evidence of accounts with the purpose of transfering IRAs This is also not recognized as a valid account established by myself. The IRA is not one I have been informed of.The company is stating an agreement must be completed by me but also is the listed bank affiliated with PayPal Corporation.

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 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Every time this Publisher - XXXX XXXX sends me my royalty deposit they are not mentioned correctly in the legal ledger of the bank. The say content distribution. I am the only one to get royalties. There is no other distibution. What is going on is one employee changing the deposit information. The bank should clearly know who is sending it a deposit for a customer not a vague discription. The company should be the only one sending me money for my book with XXXX XXXX titled - The XXXX XXXX XXXX XXXX. It could be making thousands and a bank teller could be giving me a dollar and say it is content distribution and not the direct name and discription. I need the right description for my account deposits. 

Mailing Address XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX News Media Contact XXXX XXXX PR Department XXXXXXXXXXXX From Bank of America below my consistant editing of my account to tell them and XXXX I need things specifically idetified when receiving deposits. Is it that easy to hide content, by just describing the content of a deposit as content. This is something that needs to be made specific other wise any one could hide money by not describing who it came from or the amount. I need my account ledger correctly noted. Now I can see how banks likes XXXX can be dishonest. 

XXXX/XXXX/XXXX Hideadditional information for activity type deposit XXXX XXXX  XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Edit Description activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD as Reconciled XXXX XXXX Type : Deposit Description : XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXXSelect toEditthe merchant name Transaction category : Income : Paychecks/SalarySelect toEdit

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 2018-01-09 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: Rickart Collection Systems, Inc.
State: FL

Complaint narrative:
I have a collection account listed on my credit report by a debt collection agency RickArt Collections Systems collecting on behalf of XXXX XXXX. RickArt is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: FL

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

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 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have attempted to get portfolio recovery associates to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to portfolio recovery, there 's is no way for me to contact XXXXl XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX 's responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from XXXX  XXXX I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a dispute against Capital One to all 3 credit reporting agencies. Capital One advised XXXX to DELETE Capital One account from my credit report. XXXX has deleted all information about my Capital One account as if the past 5 years of excellent credit with them did not exist. Capital One does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Before XX/XX/XXXX I submitted a request on XXXX  website stating that I was having issues selling my bitcoins because my account was restricted. On XXXX XXXX I received an automated response in which it stated that it may take several days to respond. I waited a week and received no response to which I submitted another more detailed request to which I received another automated email on XX/XX/XXXX. The email stated that account lockouts and delayed payment or orders are there current priorities and if I am suffering from this issue that I need to respond to the email. Since I am experiencing an account lockout I responded and made a very detailed description and a screenshot of my issue to which I received no response. I am still unable to access my money.

Company response to consumer: Closed with explanation