vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Coinbase Issue Sun XX/XX/XXXX XXXX XXXX  This is just a small sample ( 3 emails below ) of the repeating cycle of emails I have had with Coinbase Support. There has never been an actual human response. All are copy and paste answers. I have tried all suggestions from their emails repeatedly without success. I am unable to login regardless of how many times I reset password or enter 2 step verification. I am trying to gain access to my account to determine if I have been hacked. 


1. Sun XX/XX/XXXX XXXX XXXX  To : XXXX I have not signed in quite time. At least 2 to 3 months. 
I believe I was hacked by someone representing XXXX that gained access to my phone this evening and were attempting to change my password. 
This occurred today Sunday XX/XX/XXXX after calling XXXX and speaking with " XXXX XXXX ''. 
He gave me a case ID # XXXX. 
When I looked up the phone # it lists a company called " XXXX ''. 


2. Sun XX/XX/XXXX XXXX XXXX  To : Coinbase Support I had my account locked due to suspicious activity sometime ago and I am unable to re-access my account. Resetting password and 2step verification codes do not work. 




3. Sun XX/XX/XXXX XXXX XXXX. 
To : Coinbase Support Please let me know what additional information you need. I have tried everything you have suggested and I still can't login. 



From : Coinbase Support XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Case # XXXX - Access to disabled account Hello, We need additional information from you before we can resolve this case. 

If you still require support with this inquiry, please reply to our original email with the needed information. 

If you are unable to locate our emails in our inbox, please check your spam and trash folders as some email providers automatically filter our automated messages as spam. 

If you no longer require support, please let us know and we'll close the case. We'll send a follow-up email every five days to check if you still need support with this inquiry. 

Thanks, Coinbase Support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
InXX/XX/2020 I noticed a collection on my credited report from Sentry Recovery & Collections for XXXX. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.

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 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.

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 2020-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
After the first notice from Bank of America about two accounts opened on my name using my social security number, my date of birth and my address on XXXX XXXX, I have contacted the Bank of America customer service centers, made identity theft report to the FTC ( FTC report number XXXX ), Fax all required documents to the Bank of America as demanded ( Fax number XXXX ). Without progress, the Bank of America kept sending statements on the reported fraud account. I filled one more complaint with the FTC ( FTC customer complaint number XXXX ). Following my letter to the Bank of America Corporate Center dated XX/XX/2020, I received a letter from the Bank of America on XX/XX/2020 with a case number XXXX for an account ending inXXXX ( full number known as XXXX ) telling me to call Risk Account Closure at XXXX for assistant with account status. I called the given number XXXX on XX/XX/2020 from XXXX to XXXX without result and was advised to call XXXX. I called the number XXXX at XXXX XX/XX/2020 then the call was cut off by Bank of America without answering. The recent statement letter received from Bank of America is an XXXX XXXX account ( account number XXXX ) which show a negative balance of {$100.00}. The Bank of America has had all of my documents they needed for my identity theft claim ; they desperately make thing easy for thefts to open account online without physically verifying. Moreover, they would know from their processing where the deposited fund came from and who owns the money account which used for depositing at opening, and where the end point is for the withdrawals to reach, plus who the owner of such receiving account is. However, Bank of America just keeps going after me as an identity theft victim for their loss because they failed to retake the lost money back as they could. The Bank of America should learn the respected way the XXXX XXXX  works in my case. The theft on my case opened four accounts at the same time at the end of XX/XX/2020 ; two with Bank of America and the other two with the XXXX XXXX. After being contacted and receiving all my required documents since XX/XX/2020, the XXXX XXXX  sent me a letter dated XX/XX/2020 saying they confirmed that I did not open the account.

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 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
Im XXXX year old plus senior citizen and retired and I get my medical financial assistance from XXXX and I am not aware or this is a very old information which has been all covered. Kindly remove this from my XXXX  report. Appreciate it and Im very old to handle with these companies and stuff which has been taken care of a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.

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 2020-07-05 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance keeps lowing me credit score by reporting a closed account as open. Its for a vehicle i dont even have anymore. I have not made a payment since 2017. I dont have this vehicle anymore. They keep reporting this account in my revolving accounts. I am over 1000 days late. They report im on 120 days late. The account is open and i dont have the vehicle. If this account is open where is the truck?? Why dont i have the truck. They need to be stopped. This is ruining my life. I want to be compensated for all this. I want to seek legal action. The account should be closed. And if they cant fix it and do whats right i am going to have them prosecuted. They were sued for the same things in the past. They are fraudulently reporting this 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 2020-07-05 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: FL

Complaint narrative:
I am a victim of identity Theft someone is using my personal information with out my Authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity Theft someone is using my personal information with out my Authorization

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 2020-07-05 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: FL

Complaint narrative:
I am a victim of identity Theft someone is using my personal information with out my Authorization

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 2020-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: KS

Complaint narrative:
Fay Servicing , LLC has documentation that is not consistent on loan. A letter was attached that had a person name unknown to me XXXX XXXX, from XXXX, GA request for taxpayer with the loan # XXXX, the loan # created by Fay Servicing , LLC was XXXX. Also the Investor info is not consistent mentions XXXX that is affiliated with XXXX XXXX XXXX XXXX. XXXX XXXX is still trying to collect on the account and XXXX XXXX was the Investor backed by the government. Data breach has been involved ( see attached document ). My loans has been mixed up and when I call XXXX XXXX they still can see the loan Home Mortgage # of XXXX on file, they are acting as investors as well as services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Hi I am writing this complaint against XXXX and XXXX. XXXX and XXXX both said they verified a Fraudulent Convergent Outsourcing collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX and covergent. 
I have also attached my ID so XXXX cant falsely say I hired someone to dispute these for me. 

I also want XXXX to know I have filed a complaint with the Attorney General Office and my next step is litigation

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 2020-07-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi I am writing this complaint against XXXX  and Equifax. XXXX  and Equifax both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX   and XXXX. 
I have also attached my ID so XXXX  cant falsely say I hired someone to dispute these for me. 

I also want XXXX  to know I have filed a complaint with the Attorney General Office and my next step is litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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