vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have two XXXX branded credit cards with Chase. The first was opened in XXXX of XXXX, the second was opened in XXXX of XXXX. The first had an account credit limit of {$9500.00} and the second had a limit of {$2000.00}. Both of these accounts are used for hotel stays on business travel, as well as hotel stays for a XXXX XXXX group travel. In Early XXXX, immediately following a large payment made to Chase to payoff the balance of the 2nd card in preparation for a long trip which was scheduled and was going to require {$1500.00} of hotel charges they accepted the payment and then decreased the account credit limit to {$500.00} ( a 75 % reduction even though payment was always on time and almost always paying the balance off ). They refused to reconsider, and it created a hardship for me necessitating canceling part of the trip, and losing that business ( a likely annual revenue loss of $ XXXX XXXX. In XX/XX/XXXX a large payment was keyed ( {$6600.00} ) in payment of the first card. The payment was meant to be {$640.00}, but as it happened the mis-keyed also paid off the balance. At that point the credit limit was still {$9500.00}, so the available credit was close to $ XXXX, and was being used for travel for business. The company entered the payment, then immediately decreased the account credit limit to {$500.00} ( a roughly 95 % decrease in credit even though payment history is impeccable ). Again the company refused to reconsider, and when the payment was returned to them they are now holding the account, and reporting it to agencies, as well above the credit limit, which is having a serious impact on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking account at Citibank with {$200.00} promotion. The account was opened on XX/XX/XXXX at a Citibank branch. The personal banker who helped me and my wife opened the accounts is XXXX XXXX. Her signature is as follow : Personal Banker XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX did assure me that the offer was on the account and that I would receive the bonus as long as I deposit {$5000.00} and maintain it for 60 days which I did back in XX/XX/XXXX. According to Citi Chat Team member XXXX, The 60 days requirement was completed on XX/XX/XXXX and that the bonus should have been in my account no later than 90 days after that date, which was XX/XX/XXXX. I reached out to Citi Chat Help again opened a case for the issue to be researched further. The case number is XXXX. I finally received a correspondence from Citibank claiming there was no bonus in conjunction with the account and that they won't deposit the {$200.00}! I will be uploading the following documents : 1.Chat with Citi reps confirming I met the requirements and I would get the bonus 2. Screenshot of promotion from Citibank 3. Email from Citi 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 explanation
Consumer complaint received 2021-04-15 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: MS

Complaint narrative:
Last XXXX Ive sent a dispute letter regarding those inaccurate and unknown accounts Ive found on my credit report. It's been almost 30 days today but I haven't received any response. I demand to delete those accounts or I file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
During a phone call on XX/XX/21 at XXXXXXXX XXXX XXXX  with Sunrise Credit Services , Inc . I requested a copy of the invoice or bill they were calling about because I believed it was paid. The agent continually instructed me to go to their website, which I explained I had first attempted when I received their letter and was taken to a foreign website which I was not comfortable with. She aggressively told me to get on the computer and listen to her. I again stated I wanted a copy of the invoice mailed to me for review and that I didnt want to view it on line as I was not comfortable with their company website, She again told me to be quite and listen to her instructions. I again told her it was my right to request a written copy of the invoice. She loudly told me I needed to listen to her and do as she said. I told her I was going to file a complaint regarding her attitude and she hung up. 
The mailing address of the company is XXXX, NY, but the website www.sunrisecreditservices.com goes to a foreign site. I feel this is a deceptive firm that is not abiding by US laws and regulations.

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 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, Complained about continuing inability to access my account. The following error message continues to show up and Coinbase support replies do not address the issue and tell me thanks for submitting my request and that they'll be in contact with me. Then they tell me they resolved and closed the case and ask me is the issue was resolved. When I tell them no it wasn't resolved nothing further happens. 

" Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status '' Ongoing problem for 4 months, can't access my account to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 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: Oliver Adjustment Co.
State: IL

Complaint narrative:
Paid account representative states the account would be deleted.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
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: CO

Complaint narrative:
I have had a credit with home depo CBNA for over four years with no late payments. Back in early 2020 i paid this account off but would still get email msg stating that a payment would be charged to my banking account because it was set on autopay. I called in to turn auto pay off. After this recent virus experience i noticed some of my credit cards where being reduced in credit due to inactivity. So i charged {$36.00} at home depo to show activity but i assumed my autopay was still on. After i received notice that i was charge a late payment i called home depo to explain what happened and asked for forgiveness due to oversight and to review my account to verify i was in perfect payment status. To no prevail they have repeatedly denied my request and feel this is being unreasonalable. Please help with this matter, simple mistake

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 2021-04-15 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Pacific Union Financial is reporting 4 late pays on my credit reports. I have disputed this erroneous information with the 3 major credit bureaus. Every time it comes back the same, unchanged, as reported I have sent bank statements proving that the payments were not late but they will not change their reporting. the late pay dates are, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I have asked for deletion but they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from IDEAL COLLECTION SERVICE that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that IDEAL COLLECTION SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Office Of The Attorney General located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Office Of The Attorney General has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to XXXX, XXXX and Equifax in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
I have reached out to XXXX, Experian and XXXX  in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.

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 2021-04-15 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: Global Lending Services LLC
State: FL

Complaint narrative:
I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: IL

Complaint narrative:
I have tried several times to remove information and they refuse to furnish signature for the erroneous information. Under FCRA I demand proof of these inquires. Signatures!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I had a Coinbase Account with Virtual Assets in it. The account was hacked. The hacker bought more currency against my knowledge then transferred all the assets out of the account. I was not notified UNTIL my bank flagged a purchase request for {$25000.00}. I called and immediately. Reported the fraud. Then went on to report the unauthorized activity and ask if I could seek recovery from Coinbase. For the last year, I generated multiple support tickets, tried to call them, sent separate emails. Coinbase initially confirmed that the issue has been reported and that they would reach out to further help me with the case. Instead, I would not get any more contact and the ticket would be closed. Coinbase also consistently locked my account over and over. Then filed yet another support ticket, again they locked the account. I got it unlocked recently only to discover that Coinbase had not help me with recovery or reported the fraud. They were also trying to charge me an additional {$2500.00} on top, with claims they will be forcibly collecting it in 5 days. I have already notified my bank to stop unauthorized transactions from Coinbase.

I would like to recover the funds stolen and stop coinbase from trying to collect funds they are not owed. 

This is how much the hacker stole from my account without any warning from coinbase. 
Sent Bitcoin XXXX BTC on XX/XX/2020 Sent Litecoin XXXX LTC on XX/XX/2020 And now this is what they are trying to charge on top Coinbase Charging {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I payed the account off in XXXX of 2020 and the balance hasnt reported paid and hasnt changed since XXXX of 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Keeps flagging a collection into my credit file that has be resolved and deleted after investigation of credit bureau. 
This was previously removed before since months ago .Today XX/XX/21 it has appeared back in my credit file again!!! 
I'm REALLY UPSET Please, this company fraudulent activities needs to STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX 1 XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
my student loan is more than XXXX XXXX XXXX and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NC

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 stress 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