vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/2021 I went to log in to my Coinbase account and got a " Your account has been temporarily disabled '' message. I immediately went to their support site and filed case XXXX. Since then I have filed about 20 new cases. I've followed all the automated response directions. I've reached out to every employee I can find on XXXX, XXXX and XXXX. I've filed complaints with the SEC and FTC. I have lost XXXX XXXX XXXX of dollars in potential gains as the market has risen and fallen over the months. Coinbase has NO support options. No one you can talk to. As a publicly traded company I can not imagine how they are getting away with this. Can you imagine having no access to your XXXX XXXX account for 4 months with zero support available? I'm not rich and realize that crypto currency is a bit of a gamble but what should not be a gamble is having access to your account and funds. Filing a complaint here in the hopes that anything can be done. Thank you very much for your service!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network
State: GA

Complaint narrative:
I recently got my credit report because I notice that my credit score had dropped and I was wondering what was the cause. I noticed a collection that I wasn't familiar with.

A couple of days later I got a call from this company. They place this collection on my credit before they even had a conversation with me to even see if this was my debt. 

A few days after that I got a letter in the mail. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have requested that the inaccurate and unverified debt no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

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 2021-07-28 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: IL

Complaint narrative:
Equifax refuses to remove fraudulent inquiries after several request for immediate and permanent removal from my credit report. These inquiries are from the same company XXXX on the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I received a letter from Equifax stating that removal of the the inquiries dated XX/XX/XXXX with the confirmation # XXXX, but as I pull a recent report today the inquiries are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MO

Complaint narrative:
Equifax, XXXX, and XXXX  is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, XXXX  and Equifax mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CL Holdings LLC
State: ND

Complaint narrative:
I have been told my ex husband opened a XXXX phone account without my knowledge using my information after we were divorced. I said no knowledge of the account that he purchased online and used my information. have a {$3500.00} bill with a collection agency who I have told numerous times that that is him and not me. I was actually in the hospital most of XXXX so when charges were being made I was not even around. They have now put a derogatory open collection on my credit report and Im trying to get them to take it off they are extremely rude and mean and will not listen to the fact that I have told them my husband is a felon and ran hes wanted I have no idea where he is so I am unable to locate him. I need this off my report so I can get my new house through the USDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im this letter I have proof of the Inaccuracy and violation from Experian to my credit report the information dont match and is inaccurate with any other credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Sunday XX/XX/2021 i deposited 2 checks totaling {$1800.00} into Bank of America from my checking account at XXXX XXXX, both accounts are local branches. 
The money as been taken out of my XXXX account, but BOA is holding my money until Friday which amounts to 5 business day. 
This is not money being deposited from an out of State bank this is local, for the bank to have access to my money for that amount of time is windfall for the bank. 
There are Billions of dollars being transacted on a daily bases which adds up to hundreds of millions of dollars that the banks get free interest on and if I as a consumer write a check on my deposit before the 5 days the check bounces and the bank gets overdraft fees as well as the interest of holding my money for 5 business day.. 
I went into the branch to ask why they were holding my money for 5 business day they couldn't answer me and stated that the branch did not have the authority to override it, I call BOA XXXX number to no avail.. 
This should not be permitted and something should be done about this banking practice!!!.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Applied for Visa CHASE CC thru Amazon with {$150.00} gift card incentive on XX/XX/21. I was approved. Began using gift card while awaiting card in the mail. Prior to receiving card, attempted to generate an online profile so I could see balances and purchases and possibly pay as I went along to void interest. Couldn't start online profile without card #, so again, waiting for physical card. Finally thought card arrived only to open a bill that said past due with a LATE FEE! Called immediately to say that I never received a card and can't generate online profile without card to verify charges as mine. They canceled the card for fear of fraud and when I asked about amount due they said they would look into balance due to make sure they were my charges. I truly did not think I should have a balance due because my Amazon charges were being taken from the gift card incentive of {$150.00}. Each time I made a purchase, it showed that it was pulling for said gift card. 
Finally received CC in the mail yesterday ( XX/XX/XXXX ) and tried to AGAIN create an online profile right away so I could verify charges and status of payment. In order to do so, the system wanted to send me a one-time pass code but had TWO old phone numbers and email address from years ago ( I have no clue how that could have possibly happened ), so they could NOT send pass code. I called today and was on the phone 1.5 hours, with various departments, each one changing the old info. Finally, was told that I had to pay balance due as card was locked. What?! Also, if I wanted to generate an online profile to pay bill and check balances, I had to go INTO a Chase bank with TWO forms of ID. I am done. In all of my 60 years, I have not experienced anything so surreal when applying for a CC. If only I could go back to XX/XX/XXXX and NOT deal with Chase. Unless this gets taken care of, I will continue to share this experience!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
When I moved out of my apartment, I requested a walk through on XX/XX/2019. The manager literally took out a piece of scrap paper and wrote only the oven needing cleaning. I did not sign any confirmation of final damages and neither did they. I asked her if I could have a copy of the scrap paper she wrote on and she stated that she couldn't make a copy because the " office was being remodeled. '' A few weeks later I received a bill saying that I owed {$700.00} for bogus charges with no proof. XXXX ended up keeping my {$500.00} initial deposit that I gave when I moved in, so if anything {$500.00} minus {$700.00} should be {$200.00}. XXXX  even put the total amount owed on my credit report ( which is incorrect ) but I DO NOT OWE. My apartment was left in pristine condition, actually cleaner than when I moved in as the apartment looked like it just had a run over clean, floors were dirty, all the electric plugs had build up of years of grime on them ( which I made them clean later ) there was even a mildew stench and muggy feeling in the apartment, find out, there was a pipe leak in the wall. I even thought, how can maintenance not even feel how muggy it is and not smell that smell?? Water came leaking through my roof in the bathroom and water leaking out in the hallway coming from the attic where the air conditioner vent is. This goes to show how they do not even maintain their apartments correctly. All XXXX is out for profit at tenants expense. Because this report is on my credit, I am unable to rent a place because the landlords at which I apply, see this owed and deny me. I am asking for XXXX to do the right thing and remove this charge from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Called my place of employment asking questions about me. I asked they not contact my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2021 Wells Fargo Bank deposited {$220.00} into my account without my knowledge or permission. I discovered this when I saw a withdrawal from my account on XX/XX/XXXX by the bank for said amount. Their reasoning is that it was a executive decision because my account had a negative balance ( pending my Stimulus payment. I advised the bank to reverse the funds back into my account as this would only create more overdraft fees. I explained that this was all done without my permission and they had no right to mess with my personal account. The practice is to charge me a fee, not to put money into my account. Also asked how they would know if I was receiving a Stimulus payment, and what right did they have to create transactions based on a pending Stimulus payment, especially since that payment was going to my XXXX XXXX  account and not Wells Fargo. What right does a bank have to take such unprecedented actions? I feel that the funds be reversed to my account, and any overdraft fees resulting from this action be returned. I find the banks actions not appropriate and illegal. The bank refused to reverse the funds. Another case was opened with no guarantees.

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 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im sending this proof that the account of XXXX XXXX must be remove because is inaccurate and dont match with any other credit reporting company

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 2021-07-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
some one in XXXX Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXX 's XXXX of XXXX, Kansas Phone XXXX, I also did disputes on XXXX XXXX, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Some time ago, Chase is running a promotional offer : Purchase things from XXXX online or in store and get a 10 % bonus cash back. To take advantage of this Chase offer, I used mt Chase credit card ending in XXXX and purchased one item from XXXX ( transaction posted on XX/XX/2021 ; Reference number : XXXX ; Transaction amount : {$350.00} ). After that, I did not get the 10 % cashback, and Chase suddenly closed my account from their end. I contacted Chase asking for the 10 % cashback, and they told me that they could not give that to me because my credit card had already been closed by Chase. However, in the offer terms & conditions, Chase never mentions that once an account is closed, the 10 % bonus will not be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
There are 2 separate companies that I have not received any type of notice in the mail, email, phone calls, no form of communication whatsoever, yet they have taken a major toll on my credit. I have been working so hard to rebuild my credit after just facing a very challenging XXXX  fiasco over the past 4 years that has led to XXXX XXXX  within this time. These 2 companies keep adding {$1.00} balance increase multiple times a month on all my reports and Ive lost all the progress Ive gained on my credit because of this. I was up to XXXX from XXXX when they started dinging my credit with a {$1.00} balance increase multiple times a month and I lost all my progress. The companies are Bonneville collections out of XXXX, Utah and XXXX XXXX XXXX. It looks like they are both medical which makes it impossible for them to even be legitimate charges because Ive had health insurance/XXXX  for years. These companies have dinged my credit 3 times in XXXX with {$1.00} increases which is absolutely not right considering Ive got nothing from them, absolutely nothing showing I owe these debts. There has to be something that can be done to stop this asinine stunt they are pulling. Im on long term XXXX due to being ill for so long. I cant just throw money away when Im on a very fixed income thats not very much and Im a single mother. Them doing that to my credit is absolutely not fair. Please help me resolve this and get them to stop this behavior so I can finish rebuilding my credit and do something with my life other then sit dormant because my credit is always so low I cant even rent a home for my son and I because thats the position Im in right now. I literally can not get anyone to rent to me because my credit score is so low thanks to them. I have to be out of my current living situation by the XXXX of XXXX and I have no clue what my XXXX XXXX XXXX son and I are going to do at this point in time because I should not be in this situation to begin with. Its not fair. Please help me resolve this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. See attach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying to get my public record right and to show on my Experian.

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 2021-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing XXXX XXXX for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is National Management Recovery at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, XXXX, and Transunion is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, Transunion and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.

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