vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4100.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX  XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX Balance : {$6400.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Someone is trying to open pre-paid cards with my name and data ( XXXX  XXXX  and XXXX ) as well as opening up a checking account in my name ( TD Bank ) Someone also tried to use my bank ( XXXX  ) to send a XXXX payment I have never banked at TD or XXXX  or XXXX  Someone also tried to get into my XXXX and XXXX cancelled my account, now I can't use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I opened a regular Coinbase account on XX/XX/XXXX2021 of this year. After discovering that transaction fees were lower on Coinbase XXXX, I also opened a Coinbase XXXX  account on XX/XX/XXXX, which was linked to my regular Coinbase account, and funded the Coinbase XXXX  account with three deposits via ACH from a linked bank account : 1. {$25000.00} ( on XX/XX/XXXX21 ), 2. {$11000.00} ( on XX/XX/XXXX ) and 3. {$5900.00} ( again on XX/XX/XXXX ). On their interface, Coinbase implies that the Coinbase account and Coinbase XXXX  are linked but separate accounts. 

I executed one purchase of ~XXXX  BTC on XX/XX/XXXX for {$25000.00} and had the remaining ~ {$16000.00} sitting in a cash reserve. On XX/XX/XXXX, Coinbase XXXX  froze my ability to execute trades on the basis that I needed to verify my identity. On that day, I made multiple attempts to take photos of and webcam shots of my driver 's license and photo capture of my face, and failed more than 3 times over the course of multiple hours before my documents were finally accepted. The experience was so incredibly poor and the {$5.00} credit offered for my troubles was sufficiently insulting that I asked Coinbase to provide information about closing my account, given my frustrations with verifying my account and re-gaining the ability to make trades and withdraw funds. 

On XX/XX/XXXX, I received an e-mail from Coinbase providing me with a link to close my account. My plan was to 1. close my regular Coinbase account ( which had a {$0.00} balance ) and then 2. close my Coinbase XXXX  account ( which had the amounts listed above ). After completing # 1, however, my Coinbase XXXX  account has now also disappeared, and when I try to re-register with my original e-mail address, am being told to set up a new account. To top it off, I am currently in XXXX XXXX as of XX/XX/XXXX21 ( my account was opened in the US on XX/XX/XXXX ) and will be here until the end of XXXX for the XXXX of my XXXX  child. When attempting to troubleshoot the issue through Coinbase 's customer support system, I received an automated message claiming that they only offer " self-help customer support '' in my region of XXXX XXXX, despite the fact that I have a permanent US address. 

As I do not have access to the ~ {$42000.00} in aggregate BTC and cash that had been sitting in my Coinbase XXXX  account, it appears to me that Coinbase has seized my funds without offering any ability for recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GreenSky, LLC
State: MI

Complaint narrative:
in XXXX i applied for a Home Depot Credit to have my kitchen renovated. I was declined, but I have over a 700 credit score low balance on all my cards and make over {$100000.00} a year for the last 5 years. I do not fell I was declined because of my credit, but for other reasons. If it happed to me, it may be a way of business for home depot and it should be investigated. Are they declining people based on race?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX a payment in the amount of XXXX was submitted through bill pay on the XXXX  XXXX XXXX website. LoanCare never received this payment and proceeded to inform me by phone calls that this was not received. After contacting LoanCare representatives countless times it was established that they needed a transmittal number from XXXX  XXXX XXXX in order to confirm that this payment was sent. The correct documentation needed to resolve this issue was sent by myself after receiving a document from XXXX  XXXX XXXX by fax. This information was emailed to XXXX on XX/XX/XXXX. I then received a confirmation email on XX/XX/XXXX stating : The payment was applied to your account on XX/XX/XXXX, but back dated to XX/XX/XXXX. 

Your request has been resolved and this ticket has been closed. 
Please do not respond to this e-mail. Sending multiple e-mails may increase the time it takes to process your request. 
Need to talk? You can reach our Customer Service Department at any time during normal business hours for further assistance. Were here Monday-Friday XXXX XXXX XXXX. Eastern Time, and Saturday XXXX XXXX XXXX 
Submit escalated payment inquiries and documentation via email to XXXX or via fax to XXXX. 
Thank you, Customer Service Department NMLS # XXXXbeen closedthe timeDepartment atXXXX 

Then I received a letter in the mail on XX/XX/XXXX stating that the payment was returned to me by sending a check to bill pay at XXXX  XXXX XXXX on XX/XX/XXXX and that I am suppose to remit this payment back to LoanCare. I called LoanCare once again to understand the reasoning for reopening this and I was told the payment wasnt processed. I called XXXX  XXXX XXXX to understand why I dont see a credit reflecting the amount of {$820.00} in my account but was offered with the explanation that they would have to look into this and call me back. I am now going through this again after having been told this was resolved on XX/XX/XXXX. 

I have never missed a payment and all my efforts to resolve this are being subverted by poor management and policies from both these institutions.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to experience website seeking to get an up date on my credit report I entered all my information that their website ask for and once I gave the that they pulled up something that had nothing to do with what I was looking for it didnt show me my score in the reviews it said that if you dont join them they will drop your score if this is true I want to file a complaint due to scam Im not interested in joining their monthly reporting this web site is a scam

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 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I am a long time customer with pnc bank, on XX/XX/XXXX I tried to deposit XXXX dollars into my account through the atm with pnc bank. The atm malfunctioned and gave me back XXXX keeping the other XXXX dollars and not giving me a receipt. I talked to the teller and deposited the XXXX dollars and filed a dispute for the remaining XXXX that The machine did not give back. Five days later I received a provisional credit for the XXXX. Almost two months after that theyve performed a provisional credit reversal for the XXXX and are telling me there is no evidence of any overage in the atm or the bank. Ive been to two branches and have talked to there escalation manager XXXX XXXX multiple times and have filed multiple disputes with the same result. They are telling me there is no extra cash that was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: PA

Complaint narrative:
On XX/XX/2020 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 stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CT

Complaint narrative:
I am a victim of identity theft. my information has been used to open fraudulent accounts under my name. Discover financial being one of those accounts. I contacted both the company and the credit bureaus about this issue and they refused to close and remove the account from my credit report. They also continue to try and collect the debt accumulated from this account which i do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX experian, XXXX  and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX XXXX, Equifax and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover card. Not my debt, Ive disputed it multiple times and had a credit dispute agency do the same. Theyre refusing to remove the debt off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I attended XXXX which turned into XXXX XXXX college while I was attending. The school ended up getting shut down permanently I did attach the proper paper work needed to nelnet and proof of the schooling closing without my knowledge. I did graduate but the school shut down due to lack of accreditation which I was lied to about. When I tried to take my credits else where to other states they told me I was not accredited. When I tried to renew my licenses and take continuing education classes at the school they were shut down. My license is no longer valid and I am not accredited I did let my student loan lender know this submitted the proper papers and its been well over a year I have not heard anything back. Legal stand point states when a school is closed for reasons like this student loan is dismissed .when I graduated my certificate stated I graduated from XXXX XXXX college and so doesnt all my transcripts. Student loan lender has been giving more then enough time to respond & has yet to do so. They continue to just keep pushing things back on payments instead of investigating well over a year is unacceptable. Yeah

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I have previously made 2 complaints through you about Coinbase and thankfully the problems have been partly resolved but not completely.

After 35 days of account disablement Coinbase decided to close my account which is fine and provided me links to remove my Cryptocurrencies as well as my GBP.

Despite the fact that I managed successfully to remove my cryptocurrencies, the link they provided for my GBP to be withdrawn to my bank account is broken and does not work.

Considering my account could be closed at any time now I am in risk of not having access to my GBP in Coinbase account anymore and Coinbase is not answering my E mails in this regard.

Coinbase only responded once asking me to send them a screenshot of the problem and I did that. however they did not respond anymore and it is now been over a week that I can not withdraw my fund. 
Please look into my case as my fund which is XXXX is there to be withdrawn and their link is broken and the time is going to be up for me and I might lose my fund. I will send you the screen shot of the problem I am facing with Coinbase. 
Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank hasnt provided my provisional credits and processed all of my disputes from unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I asked the company to send me legal papers of the debt collection I have not received. I do not owe them the amount they posted on my credit report. And its affecting and impacting my life in many ways to have this debt on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.

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 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC
State: VA

Complaint narrative:
Attempting to make contact about a bill from 2016 by phone only. Despite email being on file they have failed to send any information about this supposed debt that is almost outside of its 7 year statute of limitations. Was added to credit report just from contact by phone without first mailing anything to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TX

Complaint narrative:
My debit card wasnt delivered, and it has been sent since XX/XX/2020, I have been waiting for my card but seems they didnt send it all. 

I will so much appreciate if you could get me their direct contact. 
XXXX XXXX For Tennessee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I could not obtain my free annual credit report online because Equifax was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/2020 I mailed my written request along with identity documentation to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. Equifax failed to respond to my request. On XX/XX/2020 I mailed a second written request to Equifax with reference to the first. However, Equifax also failed to respond to my second request. After multiple requests Equifax failed to provide my consumer credit report in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: LA

Complaint narrative:
My mortgage company is not applying my payments to my account properly on XX/XX/2020 I had a {$0.00} payment on XX/XX/2020 had a {$0.00} payment then on XX/XX/2020 had a payment of {$1700.00} then on XX/XX/2020 had a payment for {$1800.00}. I am XXXX years old these people are stealing through creative accounting they call it Misc. Receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Applied for loan an got scam for XXXX

Company response to consumer: Closed with explanation