vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Hi there, Can you please help? I am formally complaining against Coinbase as they have closed my case while retaining possession of my funds. I ask that they be required to return my funds to me. I have attached a screenshot listing my asset - that should be returned to me. I have been asking Coinbase for access to my funds in the account since XXXX of XXXX. I have given them plenty of time to give me access to the funds, but they continue to provide no access. I had gotten a generic email from Coinbase with the following info : " As outlined in our previous communications, Coinbase no longer supports Bitcoin SV ( BSV ) as of XX/XX/XXXX. As such, Coinbase has liquidated the XXXX  remaining in your Coinbase account. Your XXXX  has been converted to the equivalent market value of another supported digital asset and credited back to your account, minus any transaction costs. Please note, after accounting for transaction costs, and subject to market fluctuations, you may not have received any compensation following the liquidation. '' I want to be able to get the funds out without sharing personal identification, which is what they are demanding- it feels fraudulent. Also, I tried to supply ID, within the size parameters asked, and it refused to load - so my asset is stuck in their platform. The best solution would be a direct transfer, I would ask them to make this available to me without more hiccups with their platform not loading my ID. 
Thank you for your time and help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT.

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to you with a heavy heart and a deep sense of frustration regarding the unjust debt collection efforts made by NCB MANAGEMENT SERVICES COLL.THIS COMPANY IS NOT LICENSED OR REGISTERED IN MY STATE OF Florida.

I have been turned away from multiple housing opportunities, denied access to loans, and been unable to obtain a credit card. These are not just inconveniences, but essential services that I need to move forward in my life.

The actions of NCB MANAGEMENT SERVICES COLL have caused me immense stress and anxiety, making it difficult for me to imagine a future where I can access the services I need. 

I implore the CFPB to investigate this matter and ensure that my consumer rights are protected under the Fair Credit Reporting Act. I ask that NCB MANAGEMENT SERVICES COLL immediately cease their collection attempts and rectify the inaccurate information on my credit report as mandated by the law. Your intervention in this matter is my last hope for finding some peace of mind and regaining control over my life. 

Thank you for your attention to this deeply personal issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied for an income driven repayment calculation/modification to lower my monthly payment. The email correspondence was toon quite a bit of time and took days or weeks for replies from the servicer. The servicer has/had limited phone hours in comparison to my schedule and even when I found time to call wait times were long and difficult to manage. Finally I thought everything was set as I was told by the loan servicer. However processing by the servicer took longer than suggested time and even though the consolidation finally went through loans were reported 30, 60, and 90 days past due. I called the servicer, Nelnet, and was told 2 loans were reported late in error but that it would be corrected. I didn't need to provide any additional information, paperwork, or documentation ; it was simply an error on their end. Still months later all three major bureaus have me as 30, 60, and 90 days late on my student loan during that time. Nelnet representatives told me they would handle the correction due to me. Still nothing has been done. As an adult in my 40s this is the only derogatory mark on my credit and it prevents plans for my family of taking place ( i.e. college for my child and smaller home purchase ). My credit scores at all three bureaus have dropped over 100 points solely because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XXXX XX/XX/2024 CREDIT INQUIRY ON REPORT THAT I DO NOT RECOGNIZE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
Best Egg Financial has not allowed me to access my credit card log in for months. I alerted them to the issue more than 3 months ago and to this day they have not resolved it. I am unable to access anything ... statements, transactions, payments etc. 

There continue to be transactions that I can not verify I even made because they refuse to fix the issue. Everytime I try to log into my account I get an error message for 3 MONTHS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I got notified of a negative mark on my credit report, I have never received any information on this. Never a bill never phone call no contact from them at all. They never tried to contact me or call me or send me any mail on this I have no record for this debt being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an Inquiry from XX/XX/XXXX that I do not recall. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Privacy Act of 1974

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not my account. It's my XXXX XXXX old mother 's account. I never consented to co-sign. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX | Reported on XX/XX/XXXX Balance {$3200.00} Limit {$3000.00} Past due {$650.00} Account utilization : 109 % | Limit exceeded CONTACT INFO XXXX XXXX  You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Unknown Account type Revolving Account number XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Authorized Times XX/XX/XXXX Days Late 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 non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/year> I got my car serviced at XXXX. There was an issue where they charged my card twice in error. They said they were issuing a refund and apologized. I waited a few days. Then filed a dispute with the credit Karma money to get my funds back. They ask for proof and all I had at the time was an email from the company and the screenshot of where it came out twice. Somehow they denied the claim almost 3-4 days later and said it was due to insufficient information. I have called over 50 times to get them to reopen claim and they are refusing saying I didnt provide bank statement when there was no way possible for me to do that at that time because bank statements for the date was not out yet. I feel as the are completely mishandled my claim and Im am now out {$1700.00} because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Information About XXXX XXXX XXXX is different for each Credit bureau, per 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I attempted to use an America. express gift card. I have a balance of {$220.00}. I cant use it to make any purchase anywhere I have tried to use it. Its only worked one time. The company has provided no solutions and says it is my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My bankruptcy was XXXX years old as of XX/XX/XXXX. I registered a complaint with XXXX and Equifax about the age of my bankruptcy which was discharged in XX/XX/XXXX. Both of these entities removed the bankruptcy from my credit report. Now XXXX said it would stay on my report for 10 years. I think this is unfair and unjust. The XXXX major credit bureaus removed it. Why is XXXX hanging on to something that is over 7 years old? I have sent two disputes and have been shot down both times. I need this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA decided to close my business and personal account out of the blue and after this deposit was made in XX/XX/year> they told me multiple times funds will be mails to and i got no where when i called and emails tonall departments i was tild its under review now if 5 months review lets be honest they kept my money {$4800.00} act number XXXX XXXX XXXX XXXX XXXX XXXX my phone number is XXXX XXXX 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 monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Information About XXXX XXXX XXXX  is different for each Credit bureau, per 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Information About XXXX XXXX XXXX is different for each Credit bureau, per 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve the inquiry. There has been no communication between me and the lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting 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:
I did not approve the inquiry. There has been no communication between me and the lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
There is an error on my Chex Systems report. There is an unverified account that is reporting that is causing an issue with my banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX I attempted to catch up on my mortgage payments. I called Wellsfargo to get the total amount to catch the payment completed up. I was told {$1700.00} would catch me up. I sent the payment in within mins of the phone call. Months go by and I'm and I'm still showing 3 months rolling late. They can't explain what happen with my payment. I filled for XXXX XXXXXXXX XXXX XXXX to save my home. Wellsfargo told the court that I now owed them over {$3500.00} past mortgage and late fees. I felt helpless and robbed. Worst company ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive recently checked my credit report and noticed some inaccuracies

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