vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
I have my money stuck in Coinbase and I recently complained to them that I need to change the Link bank account on my profile but all i keep getting from them is this ( We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods ) I have a lot of money in the coinbase and they won't let me withdraw my money. I have opened numerous tickets XXXX. 

I have uploaded the account closure documents they asked for and still yet they don't want me to get my money out, this is my money and I also got another email from coinbase saying they will forfeit my money and close down my account which they have no right to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. 

The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. 

I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my XXXX  profile, but the same account is still being report erroneously on Transunion

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 2021-07-26 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 30 days and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will seek litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phone call on XX/XX/2021 from XXXX ( this is the WF fraud department ) as I was driving. The representative calling informed me my card ending in XXXX had been compromised and someone was trying to use this card in XXXX at a XXXX XXXX and asked if it was me. I quickly responded, No that was not me. She then asked about the last 5 or so transactions to ensure they were accurate. She advised to cut up the card and WF would send a new card in the mail. She then said, did you set up a wire transfer in the amount of {$5400.00} to which I said absolutely not. She said, o.k Im sending you a confirmation number to your phone number I need you to confirm your identity please read me that confirmation number. I glared at my phone, as Im driving to report the number in which I do. She asked if I had received an email confirming these details and I quickly glance in which I read the details and at the bottom it says if you feel this is fraudulent call XXXX. I stare at the phone number on my phone and the number to call from my email for WF fraud and the numbers are the same, so Im pretty confident Im being accurately helped. She then asked if I had initiated a wire in the amount of {$19000.00}. That absolutely wasnt me! She again asked for the confirmation code being sent to my phone and I report it back to her. At this point Im starting to become suspicious as to why I would have to confirm my identity again. I pull over to read the texts and the texts state do not share this number with anyone. I inquire with the representative and she states that all calls are monitored and recorded and she needed the numbers to confirm my identity. I inform her that I dont feel comfortable and that Im heading into the nearest branch. She responded by saying, absolutely head into the branch, any extra layer of protection for your account is better for you. I immediately head into the branch at XXXX XXXX XXXX XXXX, CA XXXX. I frantically rush into the branch with her still on the phone and ask the seated representative for help. He asks me to wait in line at the teller and about 1 minute later she hangs up. About 8 minutes go by until I can be helped in the branch. When they pull up my account 2 pending wire transactions are on the screen and I advise they were not from me. The representative at the branch calls the fraud department and at that point I felt that everything would be o.k. Well here I am 2 weeks later out of {$24000.00}.

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 2021-07-26 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I spoke to XXXX  over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named Midland Credit I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

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 2021-07-26 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: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I'm XXXX, User ID : XXXX a binance.US user for just couple weeks before they locked me out of my account. I didn't realize I was locked out until I check to start trade.i submitted a request on XX/XX/21 by submitting all the requested documents ( a video selfie of me, and photo of me holding my ID and my bank statements etc ). I'd made lots of complaint, and tracking my request was said to be solved but I'm still unable to Access my account. I have over $ XXXX on my account, and it is unethical for a company to hold my money for no reason. Even after providing all documents, they request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems Collections is reporting a collection on my consumer report and violating my federally protected consumer rights. IC Systems Collections has an account that says it is closed as of XX/XX/2021 but has failed to provided me with any " documentary evidence '' to validate their claim pursuant to 15 USC 1692g. IC Systems Collections refuses to tell me who the original creditor and give the me the name and address of the original creditor pursuant to 15 USC 1692g. I, XXXX XXXX, the natural person/Consumer have never had no account with IC Systems Collections anytime in 2021 or prior/after an they refuse to show evidence that their claims are true of any alleged debt. their reporting is causing an " adverse action '' pursuant to 15 USC 1681a ( K ) ( 1 ) and damaging me financially and mentally. Also IC Systems Collections is on my consumer report as an " attorney '' knowing that attorneys can not collect debts from natural person/Consumers. IC Systems Collections is criminally liable pursuant to 15 USC 1611 and Civilly liable pursuant to 15 USC 1640 and now owe me civil damages for their misrepresentation and false reporting and handling of my personal information.

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I closed a broadband account with XXXX  when I moved. Their customer service rep did not tell me to return a depreciated modem. They then charged me for the purported value of the equipment. 

When I contested, they pointed to a clause in their contract to return items, but nothing in the contract explains how to return an item. ( Also keep in mind this was XXXX  2020, when COVID disrupted even traditional practices. ) They ( 1 ) did not ask for the modem to be returned or ( 2 ) explain how to return it.

To cover their ineptitude, they have put this bill for a debt that I do not own in debt collection over the past year, through multiple debt collectors. I had informed them that the next collector would lead to a CFPB complaint.

They are even now offering a 24 % discounthow kind. Only 76 % on the hook for their incompetence.

They are repeatedly trying to use debt collection harassment to get a consumer to cover their own mismanaged operations.

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 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
This company placed a collection on my credit report, I have never received anything notifying me of any debts with this company. 

This company has violated the federal debt collection laws. My next step will be to file a complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

After formal letters and calls to the three credit reporting agencies of XXXX, XXXX  and Transunion they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

Sincerely, 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 2021-07-26 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: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NC

Complaint narrative:
I disputed a public record ( Bankruptcy ) in XXXX, XXXX, and XXXX of XXXX that was reporting inaccurately on my credit file with Transunion. On each separate occasion, Transunion sent me a letter saying their third party vendor verified the record as accurate. However, Transunion 's response is false and inaccurate because they are in receipt of a letter from the third party vendor ( XXXX ) who states my credit profile has been frozen since XX/XX/XXXX. 
I verified with the vendor that the security freeze is still valid. Furthermore, they also said they have not released or verified any of my information with Transunion or any other company since XXXX of XXXX. I explained this fact to Transunion on 3 different phone calls asking for some type of proof of verification with the vendor, but to no avail. 
Transunion is violating my rights under the FCRA by not legitimately verifying the accuracy of negative information on my credit report.

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 2021-07-26 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft GS BANK Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.

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 2021-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX Account ID : ENDING XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. Date of original payment was never supplied .Grace Period is was not ever applied .Original Contract ( with late payments provision ) bearing my ink blue signature was never sent .Please see attached company response .As per their reply they do not have to be in compliance with FCRA and provide me with any requested documents.

I have difficulty getting them from the original creditor.

In addition for their reply that the company his in compliance with Metro-2 and E-Oscar please review attached screenshot of how do they report my account and how many non-compliances are listed there.
Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain financing.

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