vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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: MD

Complaint narrative:
Equifax I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with Equifax and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 time Security Questions answered all correctly but they said it was not right and the lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry details XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
Coinbase. 

I had been using them since 2017. Back then I bought XXXX for under a dollar. That's appreciated quite a bit since then. 

About four months ago I had a data breach. Someone remoted into both my computer and phone. So I purged all my data to keep it safe from the scammer. It worked. My funds were safe. They still exist. 

Since then I have been contacting Coinbase almost weekly to recover my account. Because their site forced me to use 2FA on my phone I haven't been able to recover my account. 

I've informed them tat I have current ID and a social security card to recover. They haven't even tried to help. 

Right now I don't even have enough money to spend on a pack of cigarettes. 

I can prove who I am, I've been in contact with them, they refuse to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received a check for {$4500.00} in my name for selling my car. I deposited the check around XX/XX/2020 at TD Bank XXXX XXXX XXXX XXXX Washington DC. I was informed by the bank teller that the check would be clear and available within 24hrs. I didn't withdraw any funds until Thursday XX/XX/2020, l was not told to wait 7 days before the check cleared l was told 24hrs. I began paying some bills that was with 7 days {$2000.00} minus from {$4500.00} which was left about {$2500.00}. That Monday XX/XX/XXXX my Bank Account was frozen and l spook to a TD Bank representative and was told l had a over draft of - {$2000.00} and the rest of the funds were taken by the Bank. I was misled to believe the check was clear in 24hrs he said TD Bank flowed me the funds until the check cleared. My question is why didn't they tell me that before my account was frozen l would have never touched the funds until it was clear? I feel that was misleading and not true of my protection from this Bank with a fraudulent check l received and have to pay the {$2000.00} back to the Bank. Is the bank protocol to mislead a consumer where is my protection?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted Transunion and XXXX several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. Transunion nor XXXX will provide me verification letters.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted XXXX and Experian several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. XXXX nor Experian will provide me verification letters.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: SC

Complaint narrative:
Lending Club ; various amounts ; Reported XX/XX/2020 ; showing late payments while under forbearance for two accounts. 
See attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have known transunion to stand for a reporting company that prides themselves in making sure all information are accurate and lawful. I have reached out to them pertaining to several derogatory unauthorized, Unknown inquiries fraudulent. They refuse to delete them. I asked for validation as well as proof f investigation methods used. Per Fcra they never did. The in quiries are on the same day same time. Indicating fraud. I contacted the companies they have no data or knwledge. 
XXXX XX/XX/XXXX COA XX/XX/XXXX THey have no ppermissible purpse to have my social security # and run it. The privacy act FDCPA. 
I also asked them prove a new deragatory account i have no idea who XXXX and XXXX IS they have no idea who iam either. I contacted them and they do not have me in their system by name or birthday address social nothing. However transunion allowed them to put a medical bill for over $ XXXX on my credit report. They obviously gave me no due process as allowed by law. I never had a chance to defend myself in 30 days. Please transunion send me proof.this is alloted by the FCRA AND all the laws that govern you. I need all methods used in your investigation i need a contract with my wet ink signature. Transunion does not have address of furnisher or the phone number which is required that way the Man/woman can have a way of contacting the so called collector. It's incomplete, i had to investigate. The customer rep said they would delete but they do not have me ib their system. Call transunion to get it deleted. They even appologised. None of my other credit reports have XXXX AND XXXX, XXXX, OR XXXX. I have fraud alert police report on file. Therefore they followed the law. Transunion seems to be having issues following suite XXXX All credit reports should be uniformed because they get their information from the same place. XXXX, XXXX already fixed these issues. Why are you not? This is hurting my life. Its stopping me from buying my dream home for my family in this pandemic. Transunion just placed back a fraud alert on my report when it should have been on there since i submitted the police report in XXXX. Transunion is not keeping up with customer request and truth because they outsource the work overseas and the people dont know the law, and eoscar is not savy like sensible human beings to understand FRAUD and Violations. Transunion is in violations of my FCRA CCPA FDCPA. PLEASE FIX THIS AND SEND ME NEW CREDIT REPORT TO REFLECT CHANGES. THANK YOU

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 2020-12-05 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: PNC Bank N.A.
State: NY

Complaint narrative:
This horrible bank closed my accounts when I told them I have a disability which caused me to not remember calling them To report I dont have my card when my mom was using it with my permission Im on medication now for this medical condition I have but they still chose to close everything they dont want me As a customer anymore its very sad after years of being with them this is the first time this has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive sent Experian more than three letters reporting items on my report that need to be removed because it goes against the FCRA. This collection from discover is unauthorized and stoping me from obtaining a great credit score. I havent received any validation of debt since I sent discover my first validation letter on XX/XX/2020, which was delivered on XXXX XXXX. I have my certified mail receipts. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2020-12-05 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: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I filled a dispute regarding my XXXX XXXX XXXX account and they agreed to delete/remove it from my credit report. This company RESURGERECVE, is trying to collect on an already settled account. I need help to resolve this issue please. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: NC

Complaint narrative:
On XX/XX/2020 a collection popped up on my Transunion credit report. It is not mine. They removed it in two weeks after filing the dispute. On XX/XX/2020, the same collection popped up again. I disputed it. Transunion sent back saying the information was accurate without showing me how or why is what accurate. This is not my collection, I have never had a collection, and the gross negligence by Transunion is now affecting me personally and my family as we are trying to purchase a house during Covid-19 and Transunion is the complete reason why it is not going through.

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 2020-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Paid off settlement of XXXX. Contacted company on XXXX to change report on the credit bureaus Was told i needed to wait on the next update. I was also told i did not owe anything anymore.It still shows as account open in my report.it has been 2 months on last call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
COMMONWEALTH FINANCIAL a collection agency has placed derogatory information on my credit reports. They attempting to collect on an alleged debt in the amount of {$360.00} for the client : XXXX XXXX XXXX. I have no knowledge of this account. I addition to that item there is another alleged account for the same client XXXX XXXX XXXX for {$510.00}. I have no knowledge of either of these accounts, and I NEVER received any notification from Commonwealth Financial that they were attempting to collect for these debts. I never received any correspondence from them in writing or otherwise nor did I receive a notice of my rights to dispute. They just place this information on my credit reports and damaged my records without due process ... ..process to include allowing me my legal right to dispute and / or request validation of these alleged debts. 
They just violated the federal law and place information on my reports as if it were valid when in fact it is not. This is a violation of the FDCPA, FCRA and the Fair Credit Billing Act. With the possibility of a violation of the HIPAA Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: CA

Complaint narrative:
As of XXXX XXXX. XXXX, have not been able to login to my Coinbase account and the company is not responding to my requests for assistance. I did receive the reply below back on XX/XX/XXXX, but noting other than an automated response since. I find this greatly disturbing for a financial services provider. 

I have approx. {$2500.00} in there and currently am in dire need of it. 



Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Coinbase Support [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : [ Reply ] Case # XXXX - AUTHENTICATOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint narrative:
sams club credit card payment was made on XX/XX/XXXX and my billing cycles end on XX/XX/XXXX. They do not award the payment for the month of XXXX and they bill me high charges. call customer service and they tell me that they can not reverse it that I must pay the invoice. the minimum payment is XXXX and they are billing me XXXX dollars. when the payment was made on XX/XX/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 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$390.00} was sent on XX/XX/2020 via XXXX XXXX for a product that was never received. I have the recipients contact information. They have responded when I contacted them via my extra email with the same scam. I have reached out to XXXX and Chase previously to no avail. 


Recipients information : XXXX tag : XXXX XXXX XXXX Email used : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I transferred money to BBVA and I received an email that it was completed. The next day I checked my BBVS account and the transfer was not there and they refused to pick up the phone. I attached proof that they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
When I was shopping on Sam 's Club, I had a total of {$87.00} in my cart and a box comes up on the screen and says that my balance would be {$32.00} by opening a Sam 's credit card with a {$55.00} credit. However, this " balance '' amount would not and could not ever be true. 

I called and told them that when I was approved for a credit card my total never changed at check out as shown on their site and ad to get one to sign up for their credit card. They said in 90 days I'd get this {$55.00} credit on my account. SO, in that 90 day period, I would of course receive and be billed and have to pay on my original balance. OR, If I pay in full, I still have not gotten the balance they stated would be on the purchase amount named above on the day I signed up for the credit card! At no time would my " balance due '' be {$32.00} as they plainly said! 

If I get a {$55.00} credit in 90 days, and I've paid my balance in full, that still makes their original claim false and totally misleading. I now have to make ANOTHER purchase to get this! I haven't gotten what they lure you in with their ad which they clearly state will be on the purchase in your cart that day. 

I ended up removing one item from my cart before finalizing my purchases but I already had been approved for this credit card, my credit score will now go down a few points from doing this and trusting this from them checking my credit, and the next victim is theirs for the taking. 

Customer service didn't deny this! But they purposely run this ad on their site and it is totally false. The day you place an order and they pop this box up to say you could have a new amount due, is not true.

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 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Created account successfully, was never able to link my bank account. Coinbase systems unable to link to XXXX. Contacted support to ask why, and how long this would be an issue for ( on XX/XX/XXXX ). Never heard back from this, so eventually submitted a formal complain through the form on the coinbase site. That was on XX/XX/XXXX. Have not heard anything back from coinbase still. Also tried contacting their support account on XXXX via tweet and DM. No response.

Company response to consumer: Closed with explanation