vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Timeline : On XX/XX/XXXX at XXXX I deposited {$25000.00} I was immediately able to purchase XXXX  and was not notified of any holds to my account pending or active post deposit of {$25000.00} On XX/XX/XXXX at XXXX XXXX  I purchased {$25000.00} worth of XXXX XXXX XXXX XXXX On XX/XX/XXXX I realized I could not send nor cash out XXXX. Only XXXX coins with < {$1.00} balance. 

At XXXX XX/XX/XXXX I spoke to someone in Customer Service who stated that the reason my entire account was locked from sending or cashing out XXXX  was due to various reasons and scenarios that I ( customer support ) do not have access to. But that my account would be able to send or cash out XXXX XXXX. I stated that if there was a policy for any conspicuous transfers rendering my funds and or entire account to be locked Coinbase should not have allow me to invest those funds until settled. I requested a copy of the policy for decision making criteria* which he failed to provide and stated he did not have access to. 

Given the market bull run and evaluating the conversation, I decided 7 days is not egregious for a large amount like that. So, I made another deposit to capitalize on the market ( trusting Coinbase ) On XX/XX/XXXX at XXXX XXXX  I deposited {$12000.00} On XX/XX/XXXX I purchased XXXX and XXXX leaving a remaining balance of {$8600.00} On XX/XX/XXXX XXXX I receive an email from XXXX XXXX XXXX stating : We have increased the holding time before you can withdraw your funds by 30 business days. This is meant to protect you against fraud by ensuring that you authorized this purchase. No action is required on your part. 

If you believe this is in error, please contact us by visitinghttps : //support.coinbase.com On XX/XX/XXXX I immediately reached out to customer support via the in-app messagingCoinbase support caseRef. # XXXX XX/XX/XXXX. Iemail address was valid and asked why my funds for withdrawal are being held and additional 30 days? 
As I am speaking with them they state the date is XXXX XXXX which is more than 30 days given Coinbase Customer Service told me XXXX XXXX. 
I asked him for the decision making criteria/ policy for how they made this decision and told him that these are my funds and my name is on each account to and from. He stated he did not have access to this and that there was no escalation point. I had to get back to work and the chat closed. It is showing still open however when I go to open either case ( listed below ) there is no prior transcript. 

XX/XX/XXXX account is still locked down. Coinbase App is stating ( see picture ) I have {$22000.00} that I can withdraw*** LIES Support via message in the Coinbase app information- Recent Help requests Coinbase support case Ref. # XXXX XX/XX/XXXX XXXX Coinbase support case = Ref. # XXXX XX/XX/XXXX Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I am currently seeking assistance from the CFPB to address this issue and hold XXXX XXXX of XXXX XXXX XXXX accountable for their actions. I have identified numerous discrepancies in the charges reported by XXXX XXXX of XXXX XXXX XXXX on both my and my husband 's credit reports. After careful examination, several inconsistencies have come to light : - Initially, our credit reports showed a balance of {$4000.00}, while the invoice indicated {$2900.00}. However, the balance was recently adjusted to {$3800.00}, including an additional {$880.00} payment made to XXXX XXXX XXXX XXXX XXXX XXXX ( hired by The Crossings ). This charge was not part of the original documentation provided to my husband and I. Furthermore, as tenants, it is not our obligation to pay any third party for their services, as stated in the signed agreement with The Crossings. This practice is highly unlawful. 
- The invoice incorrectly lists charges for three replaced doors, despite evidence indicating only two were replaced.

- Charges for labor and paint were applied to both the exterior and entire interior of the apartment.

- Unlawful charges were levied for Eviction Filings ( 5X ). 

Moreover, during a conversation with a XXXX XXXX XXXX XXXX XXXX XXXX representative, they acknowledged their responsibility in providing information to credit bureaus on behalf of The Crossings. However, it is essential to emphasize that their duty is to furnish accurate information only. The actions of XXXX XXXX of XXXX XXXX XXXX constitute a breach of 15 U.S. Code 1681s-2, which specifically regulates furnishers of information to consumer reporting agencies. This section mandates that entities providing consumer information to credit reporting agencies must refrain from reporting inaccurate information, whether known or reasonably suspected. Despite being aware of the unlawful and inaccurate charges, evidenced by the balance discrepancies I highlighted, and by the balance initially {$4000.00} to now {$390000.00}. XXXX XXXX of XXXX XXXX XXXX persists in violating the law and infringing upon my consumer rights. 


It is imperative that XXXX XXXX of XXXX XXXX XXXX promptly addresses these discrepancies and adheres to legal standards in their debt collection practices. 

In addition, The Crossings should be morally ashamed for charging tenants ( once paying customers ) these unlawful, illegal and unreasonable fees. The Crossings Courts need to be held accountable for their actions as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was recently denied a dispute with XXXX XXXX. This account is part of a class action lawsuit that I am apart of, and I need this account removed immediately. This account has stopped me from getting a mortgage and other credit extensions. And they were in violation of the U.C.C. Code

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 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I made student loan payments during Covid. With President Biden 's law changes, we became eligible for loan forgiveness and I requested for my payments totaling approximately {$170000.00} during Covid to be refunded through Mohela, my student loan servicer. This request was submitted XX/XX/XXXX, and according to MOHELA, the request was ( again ) sent to the treasury on XX/XX/XXXX. I received a partial refund to the amount of {$110000.00} on XX/XX/XXXX which was a refund of payments during Covid time to MOHELA. The problem is I am still awaiting the rest of my refund to the amount {$65000.00}. When I call MOHELA, they say it is up to the Department of Treasury but I can't contact the Dept of Treasury. I am now making payments on the full {$170000.00} but haven't received my $ XXXX back. 

To reiterate, I am still missing a check for XXXX that was my payments to 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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello attached you will find my complaint. Hope you can help me.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have had a line of credit dating back to XXXX and I was born on XX/XX/XXXX Ive tried boosting my credit score and even called you guys twice a year to check on the Id theft file I created and all I got back was its under investigation each time.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had a line of credit dating back to XXXX and I was born on XX/XX/XXXX Ive tried boosting my credit score and even called you guys twice a year to check on the Id theft file I created and all I got back was its under investigation each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Resurgent Capital Service regarding their violation of my consumer rights as outlined in various provisions of the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Despite repeated attempts to resolve this matter directly with Resurgent Capital Service, they have failed to address my concerns and have continued to engage in practices that are in clear violation of federal consumer protection laws. 

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), Resurgent Capital Service is required to provide validation information upon request. However, despite my request for validation information, they have failed to provide any such documentation. Despite this, they have placed a collection on my credit report, which has adversely affected my credit standing. 

Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute any inaccuracies in the information provided by a collection agency. However, I have not been given a chance to dispute the collection placed on my credit report by Resurgent Capital Service. 

Use of False and Misleading Representation : Resurgent Capital Service has engaged in false, misleading, and deceptive practices in their attempts to collect a debt from me. These practices include but are not limited to providing inaccurate information and misrepresenting their authority to collect the debt. 

Failure to Provide Required Disclosures : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Resurgent Capital Service is required to provide certain disclosures before furnishing any account to a consumer reporting agency. However, they have failed to provide these disclosures, thereby violating federal law. 

I am deeply concerned about the impact of Resurgent Capital Service 's actions on my financial well-being and credit standing. Their failure to comply with federal consumer protection laws has caused undue stress and inconvenience. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Resurgent Capital Service for its violations of consumer rights. Additionally, I urge the bureau to ensure that Resurgent Capital Service takes corrective measures to rectify the harm caused to me and to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024 around XXXX I made a cash deposit of $ XXXX XXXX with {$100.00} denomination at a CHASE bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inserted my debit card, put in my pin # and inserted the cash at the ATM machine outside of the branch. The ATM sounded like it counted the money, as this was happening the ATM malfunction and it gave me an error saying to call to the bank phone # in the screen to verify the money was deposited correctly, the ATM did not provide a receipt. I called and had to submit a claim as they stated they did not see the deposit. I returned the next morning to the branch and one of the tellers advised me not to worry, that once they counted the money from the ATM they would see they had my XXXX extra. Still had me to call the # again and submitted another complaint. Today XX/XX/2024 I received a letter staying my transaction had been processed as I stated but they were not going to make any adjustments to my account. I called again to ask why the money was not posted on my account and they responded that the claim had been denied. And they will request to research again. It feels like they are not intended to return my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting 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 was informed that under my credit report specifically from Equifax I appeared as an authorized user of a XXXX XXXX XXXX credit card that seems to be charged off or in collections. When I called Equifax they said they could not remove this and that they needed to submit a case to XXXX. They also suggested I reach out to XXXX myself. When I did after multiple hours of research and being transferred to multiple departments no such account exists under my SS #. All my accounts with XXXX are current and in good standing. I even had them look into my deceased grandmothers account which could have been the only possible scenario of who would have added me as authorized user. And again all the research resulted in them not being able to find anything that links back to me. I am in the process of a very important purchase with a closing date of XX/XX/24 and at this point this situation is putting that in jeopardy. I am at risk to not have this resolved on time both Equifax and XXXX state it takes approximately 30days for a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I called to find out why I could not pay the bill with this one card I have used many times they said the CCV was wrong ( it was not ), then they said the address was wrong ( it was not ) they said they wont fix the issue. They are doing this because I pay my bill on time and dont allow the intrest to kick in

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief