vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
At least 2 years ago I ran into problems with my bank over their claims that a check that I tried to deposit was fraudulent. At the time I had been trying to find jobs that I could do that were more independent, work from home and more like me being my own boss due to certain medical limitations that I have that prevent me from driving and that therefore get in the way of me being able to hold a full time job responsibly in a way that employers would be satisfied with. So one of these things was being a mystery shopper with a company I found on the internet in which they supposedly would send out a check for so much for me to then go mystery shop in different ways or for different reasons or things and get paid for doing the research. But the bank claimed the check I got was fraudulent. So I printed out all the emails pertaining to this and showed it to them, but they still wouldnt research it to verify whether or not if they may have made a mistake. So they froze my account and prevented me from either taking anything out of it or depositing anything into it and never let me retrieve my money out of it and now ( as of XX/XX/2021 ) claim that the accounts been closed and that they didnt keep or steal anything from me. But I know I still had money in my account that didnt have anything to do with any check ( {$140.00} ) back then and now it even shows on the XXXX website that I have cash still just sitting there. And recently, I began a new online business and my first payment of {$80.00} based on what the debit companies website shows mistakenly got deposited into that old account also due to how when you set up the account with the debit company they automatically pull up your banking info and enter it themselves. Which also tells me that the account isnt really closed like the bank is trying to tell me that it is if a place like a debit card payment company can still mistakenly pull it up as an open account. So I want my money back from this bank and for the account to really truly officially be closed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
This account was a prepaid account with no contract. It was a month to month bill. When our bill cycle was up we did not use service and service was off. We have paid all bill as agreed for prepaid services. These charges are incorrect and I am being billed incorrectly

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 2021-03-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I started my investigation XX/XX/2021 I haven't heard anything from the credit bureau they are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021 my phone and bank card was stolen by a relative. A police report was made. Case number and individuals name were provided to citibank. 3 atm withdrawals were done for XXXX each. Citibank originally credited back stolen amount then reversed charges indicating card never left my possession. This is untrue and police report if the ever obtained it reflected that.crockett texas police dept

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 2021-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I have trading Bitcoin on coinbase for a couple of years and have increased my portfolio as well as added more funds to it. Recently, Ive been using it instead of my bank for all of my personal savings, because I was easily able to both deposit and withdraw. Last month, I was traveling and lost my phone which meant I lost access to my XXXX authenticator application used to verify my identity when logging into coinbase. I followed their protocol to resubmit my identity documentation and waited the appropriate 72 hours.

My identity submission was denied without explanation and my account was disabled. I then logged a case with them begging for their assistance and although my account is no longer disabled I still have no way to access it without my old device and the authenticator codes. I have sent emails almost daily and only received the occasional we will get back to you when we can response and usually only that when I log a new ticket. I have now been locked out of my funds for 5 weeks.

I have all the emails Ive sent but wont attach them here as I read above not to include any personal or account information unless asked to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
The CFPB has jurisdiction over this matter because it pertains to unlawful tactics to collect a fraudulent debt that is past its four ( 4 ) year Statute of Limitations. From XXXX I have been a victim of Identity Theft in which my accounts have been misused or compromised while I underwent a life-threatening procedure and was consequently incapacitated and XXXX ( see XXXX photo and XXXX XXXX placard attached ) This alleged account XXXX with Compass Bank appears to be unlawful because it shows an alleged original balance of $ XXXX, yet the collection amount is XXXX. Then it was placed with two different collection agencies simultaneously which is a violation of applicable usury and lending laws : 1. Reporting on XXXX as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ( attached ) 2. Reporting on XXXX as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( attached ) Please note, these actions are a direct violation of California Identity Theft Statute XXXX which specifies a Creditor must cease and desist and withdraw all collection activities when the consumer evidences the identity theft, and that the Creditor is liable for up to {$30000.00} in damages for continued unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Southwest Collection Services, LLC
State: LA

Complaint narrative:
On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
TransUnion is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Transunion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Transunion is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an unemployment EDD debit call, and I noticed 3 transactions on my card that I didn't authorize. On XX/XX/2021 {$980.00} was taken from my card, XX/XX/2021 {$980.00} was taken, and on XX/XX/2021 {$1000.00} was taken. I called to report those transactions not being my transactions and I have been told my edd account is frozen and I can't dispute the charges until my account is unfrozen. I need help resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 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:
I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA

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 2021-03-19 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was working with XXXX XXXX ( NMLS # XXXX ) and Quicken Loans on a cash out refinance loan. I am currently in the process of shopping around for quotes. I easily received two loan estimates from two different lenders. When I asked XXXX to send me the loan estimate he was very hesitant and gave me a few reasons why he couldn't do that. I asked to have the loan estimate emailed to me so I could compare " apples to apples. '' At this point he continued to give more reasons why this was not possible. I ended the call asking him for his final and lowest rate. He eventually called me the next day from a completely different phone number than he had been using and did not mention that this phone call was being recorded ( as he had in our previous phone conversations ). In this conversation he told me that they could not work with me on this loan. This seems like a very odd way of conducting business and I was under the impression that once I gave name, income, address, SSN ; that I was entitled to a loan estimate within three days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Incident happened on XX/XX/2021 around XXXX PST. My Coinbase account was hacked even though I have 2 Factor authentication and all my BTC and ETH positions were transferred out of my account. The hacker cleaned out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
To Whom it may concern, I am writing to seek your assistance about a medical bill that was sent to Creditors Bureau USA. Over the past few months, I have been XXXX XXXX, XXXX, and panic over this matter. In XX/XX/XXXX I was reviewing my credit report, and to my surprise I saw there was a medical bill that was sent to Creditors Bureau USA. I was shocked to see this medical bill listed as collections. I have never had any bills sent to collection so this has been stressful and hope that I can get assistance with resolving this matter. 
I was never notified my bill with XXXX XXXX was going to be sent to collections prior to viewing this in my credit report. The moment I saw this reporting I immediately sent Creditors Bureau USA a debt validation letter under the law Fair Debt Collection Practice Act to have them provide me with detailed information regarding the debt they are attempting to collect. In the letter I did specifically asked them to provide me with the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to your company Creditors Bureau USA. 
Creditors Bureau USA has mailed me back with copies of my medical bill with XXXX XXXX, however, they failed to send me with a copy of my signature showing my request to release information to them. By not proving me with this document, they are violating my HIPPA rights. I did not consent a third part to view the blood work I had done with XXXX XXXX. 
Due to this reporting, it has affected my credit score significantly. The credit score that I have been working on for over 12 years has dropped over 70 points. Also, due to the Pandemic ( covid19 ) I have suffered financial hardship as I am the only employed person in my family. I do wish to pay the debt I have with Quest Diagnostic directly with them. I am writing to you to dispute the collections that was sent to Creditors Bureau USA. 
I request for this debit to be removed from my credit report. Attached are the letters send to me from Creditors Bureau USA that will show the amount of collection {$240.00}. I also want to make you aware, the dollar amount listed as collections in my credit report is {$160.00}, however the letter I received from Creditors Bureau USA states I owe {$240.00}, the information I was given from Creditors Bureau USA in inconsistent. 

Thank you,

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have two debts with this company. A car loan, which I'm 93 % paid off on and owe a remaining balance of {$1200.00}. The second loan, is a loan for a credit card that has a balance of {$5800.00} used. Now the statute of limitations, due to the 'date of delinquency ' has expired, and I'm pretty sure it has been over 8 years since this debt was made and the date of delinquency was first activated. I called the company to gain clarification of debt, and I did agree to pay off the car loan debt eventually. I was questioned about the credit card loan, in which a 30 % offer was given but I never agreed to any offer. My exact response was that I needed to run it by my girlfriend and if we agreed on it, they would hear a response in 24 hours. 13 days passed by and I filed a dispute through credit karma, and the remarks given back to XXXX XXXX, from the bank, was there was an agreement between both parties, which is a lie. I called and asked for evidence of me admitting to this or any validation, and they couldn't provide. Instead I was given the run-around, and sent to multiple voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE Innovis Consumer Assistance  ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis Consumer Assistance IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

Company response to consumer: Closed with explanation