vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My Coinbase, Inc. ( cryptocurrency ) account has been blocked/restricted since XX/XX/2019. Coinbase blocked/restricted my account because they say someone tried accessing the account from XXXX. I am still not able to this day to log into my account. I submitted a ticket requesting help with the issue on XX/XX/2019. The case number is # XXXX. Coinbase support requested from me to upload two documents proving my address in XXXX, TX. I uploaded an internet and electricity bill showing my address is XXXX XXXX XXXX XXXX, TX XXXX. Coinbase support responded to me on XX/XX/2019 stating my issue was going to be resolved in 5-7 business days but it could take longer. 17 business days have passed and I have yet to hear from them. I have called multiple times to ask them what is the issue or if they need more documentation in order to prove my residence but it has not helped. I have about {$4500.00} US dollars in different cryptocurrencies in that account. I have been trying to call but now it seems as if they automatically blocked my number and the call is hung up after saying that they have a lot of callers on the line. I need help and representation in order to retrieve my funds from that company. I did what was needed from my end in order to get my account unblocked but they are being unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: AZ

Complaint narrative:
On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by XXXX XXXX XXXX ''. The XXXX XXXX credit card was closed in XXXX because I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''

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 2019-07-21 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: AZ

Complaint narrative:
On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by financial counseling program ''. The XXXX XXXX credit card was closed in XX/XX/XXXXbecause I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax credit report unavailable online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: AL

Complaint narrative:
To whom it may concern every time I look up something it all ways show something different I only live in a apartment for 4 years low income housing in not this my first house since XX/XX/18 It Show loans in All that I never got I never left XXXX Alabama to get all this stuff that's crazy please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Re : Exeter Finance Corp XXXX. XXXX XXXX XXXX, Tx XXXX Re : Letter to remove inaccurate inquiry credit information. 

To Whom It May Concern : I received a copy of my credit report and found the following item to be errors. 
Here as followed are the item in error. 

The following inquire needs to be removed immediately : Creditor Name : Exeter Finance Corp Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: CA

Complaint narrative:
Hi, Coinbase has disabled my account. They asked me to send my identity documents but since have gone completely quiet. I have shared all my identification documents requested but it seems their customer service team has no time. Its been a month since I got their initial request. 

I am unable to reach anyone there. 

I would really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Re : TD Bank XXXX. XXXX XXXX XXXX, MI XXXX Re : To remove inaccurate information on my credit report To Whom It May Concern : I obtain a copy of my credit report and found the following items to be an error. 
Here are the items listed as errors : The following inquiries needs to be removed Creditor Name : TD Bank Date : XX/XX/2018 Date :XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: MA

Complaint narrative:
On my first complaint to the three credit bureaus XXXX, XXXX  and Transunion, I requested the method of verification for an account that is being reported on my credit report with the name of XXXX XXXX/XXXX. I sent the credit bureaus a method of verification letter and they never provided me with anything, so I then sent the credit bureaus a second method of verification letter telling them that my first letter was about me asking them for the method of verification for that specific account and still they have not provided me with anything but they still tell me that the account was verified. I know that by law I have a right to ask for the method of verification for an account and the credit bureaus must provide the consumer with this information and I also know that by law and according to what the fcra says, credit bureaus have 15 days to provide the method of verification to the consumer. I want the account XXXX XXXX/XXXX deleted from my credit report because the credit bureaus failed to provide me with the method of verification in 15 days.

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 2019-07-21 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: MA

Complaint narrative:
On my first complaint to the three credit bureaus XXXX, Equifax and XXXX, I requested the method of verification for an account that is being reported on my credit report with the name of XXXX XXXX. I sent the credit bureaus a method of verification letter and they never provided me with anything, so I then sent the credit bureaus a second method of verification letter telling them that my first letter was about me asking them for the method of verification for that specific account and still they have not provided me with anything but they still tell me that the account was verified. I know that by law I have a right to ask for the method of verification for an account and the credit bureaus must provide the consumer with this information and I also know that by law and according to what the fcra says, credit bureaus have 15 days to provide the method of verification to the consumer. I want the account XXXX XXXX deleted from my credit report because the credit bureaus failed to provide me with the method of verification in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: ClearOne Advantage, LLC
State: MA

Complaint narrative:
CLEARONE ADVANTAGE claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, first thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose. The FCRA says that a creditor or user has to provide permissible purpose, all I want is for this to be deleted now. I did not authorize this company to do a hard pull on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
RE : SYNCB/Amazon XXXX  XXXX XXXX XXXX, FL XXXX RE : The following inquires needs to be removed immediately. 

Creditor Name : SYNCB/Amazon Date of inquires : XX/XX/2018 Date of inquires : XX/XX/2018

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 2019-07-21 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
There Is an inquiry that was placed on my credit report on XX/XX/XXXX by XXXX XXXX  XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if XXXX XXXX XXXX claims that I agreed for them to pull my credit then I want to see the original documentation with my signature, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX  XXXX verified or validated the inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.

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 2019-07-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE : Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX RE : To remove inaccurate information on my credit report To Whom It May Concern I obtain a copy of my credit report and found the following to be and error. Please provide me with proof that I consent to this inquires baring my signature. 
The following inquires needs to be removed immediately : Creditor Name : Fifth Third bank Creditor Date of inquires : Date : XX/XX/2018 Date : XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
Have contacted advance resolution services multple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
CFPB I have reason to believe there may be a Car Loan that doesn't belong to me I just got a email at XXXX XXXX XXXX XX/XX/XXXX Saying thank you for Registering with XXXX XXXX.. 
I Haven't bought a Car since XX/XX/XXXX And that XXXX was paid off within 2 months .. 
My MY DRIVERS LICENSE STOLEN IDENITY COMPROMISED RECENTLY..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services
State: OH

Complaint narrative:
Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: OH

Complaint narrative:
Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FC HoldCo LLC
State: FL

Complaint narrative:
RE : FLAGSHIP CREDIT ACCEPTAN XXXX. XXXX   XXXX XXXX, TX XXXX XXXX : TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORT TO WHOM IT MAY CONCERN : I OBTAIN A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING TO BE AN ERROR. 
HERE AS FOLLOWS ARE THE ITEM IN ERROR : CREDITOR NAME : FLAGSHIP CREDIT ACCEPTAN DATE : XX/XX/2018

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 2019-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE : CAPITAL ONE AUTO FINANICAL XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : TO INACCURATE REPORTING TO CREDIT FILE TO WHOM IT MAY CONCERN : I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWING ARE ITEMS IN ERROR : CREDITOR NAME : CAPITAL ONE AUTO FINANIAL CREDITOR DATE OF INQUIRES : DATE : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
RE : ALLY FINACIAL INC XXXX. XXXX  XXXX XXXX, MN XXXX RE : INACCURATE REPORTING TO CREDIT REPORT TO WHOM IT MAY CONCERN : I RECEVIED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWED ARE THE ITEMS IN ERROR : THE FOLLOWING INQUIRES NEEDS TO BE REMOVED : CREDITOR NAMES : ALLY FINANCIAL IN CREDITOR DATE OF INQUIRES : XX/XX/2018 & XX/XX/2018 2018

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 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello a few years back my bank account was fraudulently used by scammers to put money inside like bad checks and they somehow took the money off I tried to explain it but it didnt help now Im having issues with getting my mortgage loans I cant refinance my car or get into a credit union to better myself I just want to see what I can do to help my situation and get this Taken care off ASAP so I can open a bank account at a credit union

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 2019-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Respected CFPB Officer, My previous employer sent a wire transfer on XXXX XX/XX/2019 through their XXXX XXXX ( XXXX ). The details are listed below. 

Sender reference : XXXX XXXX Transaction Reference : XXXX Payment amount/currency : XXXX Payment value date : XXXX ( XXXX XX/XX/2019 ) I called my bank ( TD Bank ) XXXX XXXX, XXXX, XXXX of XX/XX/2019 to enquire about the status of the incoming wire. Since customers do not have the option to talk directly to the wire department, the TD Bank 's phone agent interfaced with their wire department and told me that the wire will be returned as TD records do not have my middle name and the wire is addressed to my full legal name. Since I gave my official records during the creation of the TD bank account, I asked the agent whether I could run to a TD local branch with my passport and correct the name instead of they rejecting the wire transfer. The TD executive apologized and said the wire needed to be returned and the sender had to reissue the funds again. 

I have been following up with my former employer and their bank ( XXXX ) ever since to reissue the funds but they say that they don't have the returned fund from TD. It seems that XXXX and their intermediary Bank ( XXXX ) reached out to TD via several messages to return the funds but they claim that there was no response from the TD wire department. 

In XX/XX/2019, I went to my TD local branch and when the branch called the TD wire department, they seem to have no record of the incoming wire and rejection. 

The Sending Bank ( XXXX ) launched another investigation and finally concluded that the money is still with TD and they continue to not respond. 

My problem here is that no Banks ( Sender : XXXX, Receiver : TD, Intermediary : XXXX ) are taking ownership of the missing amount. I have severals emails ( 40+ ) showing the correspondence/follow up and I am attaching few key ones here with this complaint. 

Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Despite FTC in XX/XX/XXXXLawsuit and Permanent Injunction against Security Credit Services , LLC over issues to include deceptive voicemail messages. On XX/XX/XXXX I began receiving harassing threatening automated voicemail messages that failed to identify messages were from a collection agency ( please see attachment voicemail transcript/ answering machine incoming answer was later changed by SCS to depict medical facility ) from Security Credit Services , LLC a.k.a XXXX XXXX. Collection agency is slow or non responsive to my attempts to expeditiously resolve matters in a timely manner without further expense or delay in a manner where no further harassment and intimidation tactics will be used by the collection agency and despite my adamant wishes to resolve the account quickly and thoroughly remove collection listed from my credit reports that the collection agency has plastered all over my credit reports without first notifying me of the outstanding debt, my right to dispute the debt, or have the debt sent back to original creditor for resolution, and its failure to validate its authority prior to collect on debt. Or validate its legal right to collect debt or sue in Florida despite threatening to do so. Collection agency refuses to negotiate reasonably settlement on old/ charge off account. It has negatively hindered my ability to establish credit and purchase a home. Security Credit Services , LLC alleges an outstanding amount of {$1800.00} is owed to their agency from a charge off account it purchased from the original creditor in XX/XX/XXXX.

Company response to consumer: Closed with explanation