vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The company Coinbase advertises {$5.00} worth of bitcoin for signing up. However for me and many other users this money never arrived. Bellow I provide a link to a XXXX post and associated comments from many users of Coinbase for whom this offered reward for signing up never materialized. Many have complained to the company with no satisfactory response. A common reply by the company to this common complaint is to claim that 'the bitcoin is yet to arrive because a users account has not been yet 'completely verified ''. As Coinbase provides Email receipts upon account verification, every user who has not received their promised bitcoin should have evidence to disprove this excuse on the part of the company. {$5.00} may seem a trivial amount, but given the number of users of Coinbase, the sum of withheld crypto is likely large. 

Above Referenced XXXX Thread : https : XXXX XXXX  in this and other relevant threads can likely be contacted through the site/app 's direct messaging feature. 

Have a nice day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf.

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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I got a call from a company claiming to be from a private debt collector on behalf of the military. I had XXXX in XX/XX/2010 while still married to my then husband and the military covered the XXXX expenses. 

This company claimed they are called CBE Group, ( and that's how they showed up on the caller id on my phone. They called from this number : XXXX. They said the XXXX expenses were not covered and they need to collect just under XXXX. They had my previous address and my current address, and both were correct. There is no way this debt is owed because I was on my husbands insurance and the costs were all covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
My ex roommate was sneaking using my card with out my permission, so I disputed the charges one of them was approved the other one they was supposed to give me a provisional credit for on XX/XX/XXXX if they were not finish completing the investigation I woke up this morning the credit wasnt there. So I called Today and they told me I didnt fill out the form correctly and to fill it out again and send it back because if they are not done investigating by the XXXX business day they have to issue a provisional credit on the XXXX day they closed the dispute without even investigating because they didnt want to give me the provisional credit for my card being used without my knowledge. They have another dispute on my account that has been open for almost 3 months now that they havent completed so I dont understand how they can complete this dispute so fast and the other one has been open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MO

Complaint narrative:
I filed a complaint by filing a FTC report. The negative account still showing on my credit report by Enhanced Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I fulfilled all terms for a {$250.00} new account bonus. The offer states the bonus will be credited by XX/XX/2021. The bonus has not been credited. I made a demand in writing and by phone to the bank. They have so far refused to honor the offer and have so far stated they refuse to confirm or deny whether I qualify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: DC

Complaint narrative:
Upstart has violated the Fair Credit Reporting Act in that they have performed a hard credit pull in violation of 615 ( a ) - 15 U.S.C. 1681m, et. seq., and that the Hard Pull was based upon 619 - 15 U.S.C. 1681q. 

On, XX/XX/2021, I received an email ( after I applied to online solicitation through XXXX XXXX ) from Upstart, congratulating me for their apporval of my online loan request. That email was ambiguous as it informed me that they will perform a hard credit pull which will affect my credit report, However, what the email did not do was inform me as to what the " Disqualifying events '' were, and had it done so, I would not have went into their portal and logged in for them to turn around and deny an application that they initially said was approved. A 'Disqualifying event ' ; if, not disclosed, can mean anything. Further, if a loan was 'approved ' then the application was approved. 

On, XX/XX/2021, I complied with Upstart 's request for me perform the " next step '', which was to log-in.

Two days later, on XX/XX/2021, Upstart sent me an email, informing me that they did not accept my loan application, which was untruthful, given that on XX/XX/XXXX, they informed me that my loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have requested mortgage assistance from XXXX and continue to be in the process 2 and a half years later. I am continuously being asked for the divorce decree, which my mistake was sending my originals to them. To this date I have not received my originals back, and am still being asked to provide my divorce decree. I ask them where is my divorce decree original documents and of course they do not know. Furthermore I have sent the documents that I am continuously asked for just so that at the end I end up being asked for further divorce documents. I am exhausted all I want to do is resume making my monthly mortgage payments. As a homeowner in California whom has given them the paperwork they ask of me over and over and over and over and over and over again it makes the difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: GA

Complaint narrative:
I reached out to you all on XX/XX/21 about several accounts on my credit that is not mine. I received some letters from the accounts on their and they said that the accounts are verified whatever that means. Can you all please help me with getting these accounts off my credit. Im not getting anywhere with them. Im attached the FTC complaint I made.

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 2021-08-02 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 reached out to you all on XX/XX/21 about several accounts on my credit that is not mine. I received some letters from the accounts on their and they said that the accounts are verified whatever that means. Can you all please help me with getting these accounts off my credit. Im not getting anywhere with them. Im attached the FTC complaint I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Company sent me a letter dated XX/XX/XXXX regarding a medical debt owed to XXXX XXXXXXXX and giving me 30 days to dispute it. On XX/XX/XXXX, debt collector reported my debt to the credit bureau without giving me an opportunity to dispute the debt. Once I contacted the debt collector regarding the debt, they mentioned that the debt was from a procedure back in XXXX, XXXX without giving me any other information. Of course, I have no recollection of any owed debt to me from back in XXXX. Debt collector told me that they can not provide me with an itemized bill and instructed me to call my insurance company or primary doctor even through the original creditor was from XXXX XXXXXXXX. I explained that I will need to see some sort of bill from the actual original creditor to make sure my insurance did not just pay the bill but debt collector could not provide me with such proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have reached out to XXXX  both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX  will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I have reached out to XXXX both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.

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 2021-08-02 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: FL

Complaint narrative:
On XXXX the XXXX 2021 I filed a complaint with CFPB on XXXX XXXX XXXX and Equifax. Here is the complaint number : XXXX. In this complaint I asked Equifax to provide me with proof they claim they have that legally validates the debt between me and XXXX XXXX XXXX. Equifax went on record on XX/XX/XXXX and said they had received additional information from the original creditor that validated the debt. ( See bottom of form Equifax 3-3 ) What XXXX XXXX XXXX had provided had not legally validated this debt so Equifax said they had additional information from the original XXXX XXXX XXXX XXXX  that validated this debt. I have requested numerous times from Equifax to see this alleged proof. Equifax sent me a letter with the same information that is on the attached form. This is not the information I requested. They have yet to provide me with this alleged proof from XXXX XXXX they claim to have that legally validates this debt. What is in the attachment does not even meet the CFPB standards of debt validation. I filed a complaint with the SC Attorney Generals office against XXXX Funding for not providing me legal proof of this debt. I attached the File ( Equifax Dispute 3-3, and what XXXX XXXX was claiming validated this debt. ( Resurgent reply 1 ) to the complaint and the SC Attorney Generals office even agreed that neither of those 2 forms meet the legal burden of proof to validate this debt. I want Equifax to provide me what the Evidence they went on record saying they had that legally validated this debt between me and XXXX XXXX XXXX I have asked Equifax numerous times to supply me with this alleged evidence. I have a legal right to see it. I know that the CFPB is not going to make Equifax show me this evidence even though I have a legal right to see it. I am filing this complaint so I have more evidence to substantiate my compliant against Equifax that I filed with the Georgia Attorney Generals office. Equifax has claimed that they have had this evidence since XX/XX/XXXX ( See bottom of form Equifax dispute 3-3 ). They have yet to provide me with it. They went on record and said they had additional information from the Original Creditor XXXX  XXXX XXXX that substantiated XXXX XXXX XXXX claim that this debt is valid. I wan to see this evidence. I have asked Equifax numerous to produce it and they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : THE BUREAUS ( Original Creditor : XXXX XXXX ) -Balance : $ XXXXDate Opened : XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge and the finance includes insurance which protects the creditor against the obligors loss, and or property damage. XXXX XXXX XXXX dba XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit B that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX dba XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit A & B. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and B that XXXX XXXX XXXX dba XXXX XXXX is in violation of XXXX XXXX XXXX. XXXX XXXX XXXX dba XXXX XXXX willingly and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.

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