vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available XXXX shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional XXXX shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXXXXXX XXXX contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my XXXX XXXX XXXX XXXX account to a Citibank account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX XXXXXXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the XXXX and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX ( XXXX ) has been taken down.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 2ND TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
about 2 months ago i requested my credit report and i haven't received anything.

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 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Hi, I received a call from this agency. Apparently I have a {$3000.00} hospital bill. The original creditor was XXXX XXXX, XXXX XXXX XXXX in XXXX. The issue is, that I had XXXX/medical insurance at the time. From what I know, it is illegal, is it not? To send a medicaid patient to collections, to try to bill them for a hospital visit? When this collection agency called me, the associate named XXXX had tried to tell me that this was not the case, even though several resources, federal and state laws on the internet seemed to say that it was the case. 
Additionally I called XXXX XXXX about it a few months ago, and told them I had insurance at the time and the insurance number, and they said they would reach out to XXXX. In the meantime I would assume that this account would be removed from the collections agency, or they would have to cease trying to collect. However, just a few days ago was when I received the call from them. I called XXXX XXXX again after, and they said that they notified the collection agency. I am on social security/disabled and I receive medicaid. I don't understand why I'm being targeted by this agency for a hospital visit. Why XXXX XXXX  sent me to collections when I had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.

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 2021-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
1. XXXX  and XXXX  aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time.

3. XXXX has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX has that I have 10 charge off 's on 1 XXXX XXXX  Account, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  Account of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: MA

Complaint narrative:
1. XXXX and XXXX aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time. 

3. XXXX  has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX  has that I have 10 charge off 's on 1 XXXX XXXX XXXX, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  XXXX  of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
about 2 months ago i requested my credit report and i haven't received anything.

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 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
The following are interactions with the Coinbase cryptocurrency exchange : XX/XX/XXXX bought XXXX XXXX coin for {$700.00} XX/XX/XXXX bought XXXX XXXX coin for {$4800.00} XX/XX/XXXX bought XXXX Bitcoin for {$26000.00}. 
XX/XX/XXXX attempted to transfer the Bitcoin out of Coinbase, and the transfer was automatically cancelled. 
XX/XX/XXXX again attempted to transfer Bitcoin out of Coinbase and the transfer was again automatically cancelled. 
In each case an email was sent to me indicating that the withdrawal had been cancelled because I was " currently unable to send Bitcoin. Please contact support ''. Using their contact form I related my problem to customer support. 
XX/XX/XXXX I received an email from support ( case # XXXX ) confirming receipt of my note and indicating that my case was being transferred " to a specialist who will be able to further help with this issue ... ''. 
XX/XX/XXXX after not hearing from Coinbase support for 3 days I used the complaint form accessible through their website to initiate a complaint. 
XX/XX/XXXX I received a computer generated form by email which confirmed receipt of my complaint form and assigned a case number ( # XXXX ). It also stated that : I would " receive a response from the Customer Complaints Officer within 15 business days '' and that " If for any reason we require an extension, we will notify you as soon as possible '', and that " ... .our internal complaint process will need to be completed before any litigation process is initiated ''. 
XX/XX/XXXX I sent an email asking about progress. I received a response indicating that " We've passed all new information on to an account specialist who is reviewing your case-they 'll reach out to you here '', ( through this email thread ), " review generally takes 4-5 business days ''. 
XX/XX/XXXX I sent another email reiterating my request and indicating that had now been locked for five weeks without explanation, and that they had failed to meet the terms of their side of the complaint process. I received a the same response I had received on theXXXX. 
I have not been able to sell or transfer either asset in the account for over five weeks. 
No explanation has been provided for this state of affairs. At todays prices these assets are worth about {$70000.00}. Yesterday they were worth in excess of a XXXX dollars more. The inability to trade these coins is a financial liability which could potentially cost me much more than it did yesterday. 
Coinbase has not lived up to the responsibilities of their side of the complaint resolution process and at this point it seems as though only the intercession of a third party will overcome their inertia and get them moving toward resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
XX/XX/2021 I was alerted by XXXX XXXX and XXXX  that I have a collection with XXXX XXXX XXXX for a gym membership with XXXX XXXX/abc financial. This membership should have been cancelled years ago as I had asked them. The email I received was with abc financial services for {$98.00}. I called them to resolve they said call XXXX XXXX XXXX as my account is in collections. XXXX XXXX XXXX  first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than abc financial services had told me. I told XXXX XXXX XXXX, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. XXXX XXXX XXXX said they can not help me and to call abc financial services. Abc financial services said they can not help since the account is in collections already with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available 86 shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional 68 shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXX XXXX  contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my Bank of the West account to a XXXX account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX  XXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the U.S. and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX XXXX XXXX XXXX has been taken down.

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 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, TransUnion, & XXXX  stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, TransUnion, & XXXX  are reporting on my credit profile.

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 2021-02-15 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:
I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, XXXX, & Equifax stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, XXXX, & Equifax are reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I REPEAT This is not a duplicate, My first dispute you ignore " NOT MY NAME '' part of the dispute. This is my second time disputing and my LAST TIME trying to fix this issue before I file a lawsuit for Amenity, Statuary & Emotional damages. 

The original contract from ( Speedy Cash ) doesn't have my name. Copy of the AD ASTRA paper work they sent me via verified mail doesn't have my name, which is a major violation, so how are you verifying this debt? So I recommend you do a careful Investigation over the highlighted area on the documents that is attach. Under the FCRA 1681i That is Not My Name On The Original Contract so Delete this debt off XXXX  & XXXX  or I will be filing suite

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
First this is not the correct reason but theres no " other '' option to choose. My complaint is with Navient. I recently ran into a problem with being able to pay them as agreed unfortunately. For reasons related to covid and because I recently experienced fraud on my bank account and had to close my account and open a new one. My student loans are all through the Department of Education. Unbeknownst to me, because Navient is servicing those loans of about a billion people which includes myself, the CARES ACT does not apply to us. Extremely unfair. Bot knowing this I was not aware that I wasnt protected under the CARES ACT. After keeping up with my payments up until XXXX of last year, Navient reported me late even tho I contacted them to tell them what was going on as I did with my other debt. No outlet or resolution was offered to me until last week when I called again because they reported me delinquent and caused my credit score to decrease by 66 points because I have 3 loans serviced by them. During that call I inquired about the CARES ACT and it was only then that I was notified that they were exempt from that due the PHELPS clause. WHAT!! My student loans ate federal not private and through the dept of edu but because they're servicing them they're exempt and after never missing a payment through the worst part of COVID I'm not delinquent and the only resolution to this is to sign up for another repayment option or complete a consolidation app to have my loans transferred back to the dept of edu. I never asked for my loans to be serviced by Navient to begin with and I can not get any assistance through the act because they service it. If I go to the dept of edu and consolidate then I'm looking at a 6 % interest rate and instead of owing XXXX I'll up XXXX. How is this helping. Why does others benefit from bot having to pay until XXXX. This is extremely unfair and needs to be addressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TX

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.

Company response to consumer: Closed with explanation