vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Re : Coinbase Pro : Today is XX/XX/2021. 

One XX/XX/XXXX, I was locked out of my Coinbase Pro and Coinbase accounts which was holding XXXX ETH coins equivalent to {$95000.00}. The reason stated for being locked out was potential suspicious activating. I followed all recommended steps posted on Coinbase 's website to regain access. All attempts failed. Coinbase does not have a technical support call number or the availability to chat with a service member. 

From XX/XX/XXXX to XX/XX/2021, I have sent approximately 15 emails regarding my Coinbase case number. : To date, I have received no response from Coinbase or Coinbase Pro that provided any measures to gain access to my account and funds. 

I need Coinbase to contact me and confirm my funds are secure and that my account has been re-activated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I recently refinanced a prior loan with Amerisave. After taking three months for the loan to close, Amerisave and XXXX XXXX XXXX never contacted the prior lender concerning recording a lien satisfaction or some sort of reconveyance. At this time, Amerisave 's lien will still appear to be in a junior position despite the fact the prior loan has been paid off in full. Please note that both the prior lender and I separately have tried to handle the situation directly with both companies without any success. 

For whatever reason, XXXX XXXX and Amerisave have decided not to obtain much less record a lien release or satisfaction despite charging me for title and escrow services ( which obviously cover the recoding of a lien satisfaction ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
I recently received a copy of my credit report and upon review I found an account that is not mine. The account is XXXX XXXX XXXX and the original creditor is XXXX  XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.

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 2021-06-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
Received a movie theater gift certificate for {$50.00} from my son who purchased this from Gift Card Mall last XX/XX/XXXX. Since covid restrictions have lessened and movies are open, I tried to use this at XXXX Theaters and they were unable to honor it since it did not have XXXX 's 16 digit activation number and had no idea what this was. I contacted Gift Card Mall XX/XX/XXXX and got the usual runaround one would expect from a scam company. End result after several transfers, Gift Card Mall did not recognize the order number I had, had no record of the order or my son 's name, could not provide any information that could help me and could care less if I reported this incident. They are obviously still in business ripping off unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
To whom is may concern, Coinbase Case Number : Complaint # XXXX On XXXX XXXX, I completed a deposit to my Coinbase wallet of USD XXXX} and the funds never posted to my Coinbase account. The USDT Crypto was sent from my XXXX account via the XXXX network vs the XXXX network which was in error. Though the crypto was transferred via the incorrect network, the funds were still deposited in the correct Coinbase USDT wallet which can be confirmed via the following txid : XXXX XXXX XXXX Coinbase is a public company and has the capacity to resolve the matter and post the deposit to my account and is choosing to ignore my requests for assistance. I have submitted over 12 general requests for assistance and submitted a formal complaint/ request which has gone unanswered. Coinbase will not provide the necessary key to recover the funds myself which leaves me seeking other means of holding them accountable. I am not the only investor that this has happened to and if Coinbase is to remain a public SEC regulated entity, they will need to do better. According to an independent investigator, the funds are not lost but Coinbase will need to properly investigate and resolve the matter. They need to pull the the deposit from the XXXX network and redirect to my Coinbase wallet. I would truly appreciate assistance in holding Coinbase accountable and getting my funds back. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.

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 2021-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
I rarely write negative reviews. Truth be told I rarely write any reviews. The horrible experience I have had with this company must be documented. Late in XXXX of 2021 we contacted American Financing to refinance my home and take out a modest amount to complete a couple of projects on the house. We chose this company due to a positive experience with them in the past. Both my wife and I have excellent credit. My income is more than adequate to cover the loan, and the loan to value for the home would be about 60 %. We completed the pre application questionnaire by phone, explaining that we wanted a VA cash out refinance loan. The first loan papers we saw a couple of weeks later were for a conventional loan. When we pointed this out, the loan officer tried to talk us out of taking a VA loan. This began a long period of continual disregard from our loan officer, and delays from American Financing. The rates increased and we were not able to get the lower VA rate we originally tried for. We finally locked in at a rate .3 % higher than when we began the process. When American Financing requested documents, we always provided them within 24 hours of the request, however they do not acknowledge them. We have had to resend several documents, usually by pulling them from their dashboard and forwarding them back to the loan officer. About three months into the process a new set of papers were sent over for us to sign. These papers had the wrong person listed as the veteran. We were told to sign them as presented and they would be fixed on the back end. For the last 6 weeks we have been getting a weekly " progress '' call from someone in the office, saying things like, the loan is on track, they are lighting a fire under the managers to get it going, any day now, and other platitudes, but no actual progress. In the mean time all work quotes I have for the projects I need done have expired, the cost of materials is skyrocketing, and my loan has been in limbo for close to six months. I need American Financing Corporation to do the job I am paying them for and close this loan. In reviewing XXXX  and other consumer forums, this is a pattern of behavior they have been engaging in that is detrimental to their customers. They do not move forward on these loans unless a complaint is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a challenge to my Credit report in regards to XXXX Account # XXXX. I challenged the inaccuracy of the payment information from XXXX. The payment information is inconsistent, inaccurate, damaging to my file. I asked for them to conduct their investigation based on these inaccuracies, and delete the account if the information was found to be incorrect. On XX/XX/XXXX XXXX ( Confirmation # XXXX ) stated they found no discrepancies. 
The inaccuracy is clearly evident, and I do not believe they ; XXXX & the CRA ( XXXX ) conducted themselves with due diligence in their attention to these matters. 
The inaccurate info is as follows. From XX/XX/XXXX - XX/XX/XXXX shows 30/60/90 days late in logical progression. After XX/XX/XXXX is where the inaccuracy starts. On XX/XX/XXXX it shows 60 days late, then for XX/XX/XXXX it AGAIN shows 60 days late ( 90/60/60 ). Then it jumps to XXXX and the inaccuracies begin again in XX/XX/XXXX with 120 days late, then again 120 days late in XX/XX/XXXX, then 90 days late on XX/XX/XXXX ( 120/120/90 ). 
These are blatant inaccuracies and I request that this matter be investigated. XXXX XXXX XXXX has been furnishing inaccurate credit information to the Credit Reporting Agencies for several years, and possibly re-aging my account, long after the closure of the account. They are possibly achieving this by reporting payment information ( marking me as late til XXXX/XXXX ) even though the account was closed far earlier than this. For most of XXXX there is NO payment data at all. This in itself is misleading and deliberate on the part of XXXX XXXX XXXX. 
Also should a past due balance be showing on an account labelled as a charge off?

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please be Advised. Ive been a victim of identity Theft!! The following company has allowed someone to get medical care in my name. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2300.00}. Ive never done business with this company or signed into an agreement. This is a fraudulent Account!! 

2.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company continues to remove and add back fraudulent medical bills on my report. This company failed to notify me in writing 5 days in advance per the FCRA!! This company failed to validate this account. This company is reporting a fraudulent bill on my reports. Ive never done business with or entered into a signed contract with this company!! ( Please see attached FTC report ) 3. XXXX XXXX XXXX in the amount of {$1300.00}, Ive never done business with this company or have I never entered into a signed contract with this company!!! This account is fraudulent!!!

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 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Midwest Financial
State: WI

Complaint narrative:
Mortgage payment has been XXXX. It is through First Midwest Bank. 
In XXXX we submitted our usual payment. I got an email after XX/XX/15 stating that we were late. When I checked the website our payment had gone up to XXXX. We received no previous notification about this information. We submitted the additional XXXX dollars immediately and considered the matter closed. On XX/XX/XXXX, we received a letter stating that we owed {$160.00} to the First Midwest XXXX Department. I called them XX/XX/XXXX since XX/XX/XXXX was XXXX XXXX and was told First Midwest no longer services the loan, I need to talk to XXXX. XXXX states they have not charged us any late fees but yes the account shows we still need to pay this. First Midwest is now stating they no longer have access to the account either and we need to discuss with XXXX. XXXX has not uploaded the mortgage information so we do not know when or how to pay this money and nobody can explain to me why we owe this.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have reached out to this company multiple times and I have heard nothing from them in regards to properly validating this account. They began to harass me via email and phone after I requested validation. I then told them to cease and desist via letter and they have continued to harass me with emails. I even reached out to the bureaus to have this resolved to no avail. I have reached out to them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. [ These are just the ones I have green slips and letters for which are attached ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion continues to publish collections on my credit profile that arent mine. I sent them a dispute letter over thirty days ago and they have not responded. Also from what ive read they can not furnish items on the consumer report without the written consent of the consumer. 15 usc 1681 ( b ) ( 2 ) 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve

Company response to consumer: Closed with explanation