vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX I have had a coinbase account since XX/XX/XXXX. I have had no problems with my account until XX/XX/XXXX. I received an email stating that I had inquired about my account from an email address that was not on file. I then logged into my account and noticed that nothng looked unusual with my account. All the balances were still as expected. As a precaution I forwarded the email to coinbases security team and put a manual freeze on my account. I have been trying to unfreeze my account since XX/XX/XXXX and was told that the response time would be 4-7 business days. After 20 business days I filed a formal complaint on the coinbase website and received an email stating they would get back to me in 15 business days. Then after a week received another email stating it would be another 20 business days. I have a fairly large balance and the fact that I can not get any response has prompted me to tell my story here. 

the coinbase case # is XXXX Thank you for your help XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ive noticed a few new inquiries on my credit reports this is a violation 15 usc 1602 ( p ) UNAUTHROIZED USE and 15 usc 1681b ( a ) ( 2 ). Ive attached an FTC report. 
XXXX XXXX XXXX XX/XX/21 XXXX- XX/XX/21

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 2021-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Please see my letter to Flagstar Bank below. They are either incompetent or deliberately trying to get people on forbearance to foreclose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -- - Flagstar Bank Loan # XXXX Today we received your letter dated XX/XX/XXXX saying my hardship mortgage modification application is STILL incomplete even though I uploaded EXACTLY what XXXX told me to send on XX/XX/XXXX. Today, XXXX in your hardship department asked me to write this letter explaining my income. 

I am a XXXX XXXX. I am paid at the end of each transaction which are few and far between due to the Covid Pandemic. This is not a regular paycheck, and it comes when a house closes. This should not be news to the home mortgage industry. 

Your application requests a monthly income amount. Due to my income being unpredictable, irregular, and varied in the amounts, I averaged my total income for XXXX and divided by 12 to get the {$1600.00} per month and I put on the application. Makes sense, right? Right? 

Today, XXXX belatedly informed me ( after you terminated my application on XX/XX/XXXX ) that you are looking for the income from the application to exactly match the last 90 days of bank statements. This is news to me even though I have been in constant contact with your Hardship Department for weeks. No problem. {$4700.00} from one transaction in XXXX and ZERO from XXXX and XXXX, divide by three and we get {$1500.00}. 

PLEASE if you do not understand this CALL ME. XXXX I know you have the number. 

I have turned in every document, check stub, bank statement, letter, P & L, I will give you my shoe size if you ask for it. 

Your many letters advising me of an incomplete application are taking over a week ( sometimes two ) to reach me and come whether I turn in the documents or not. Why dont you ask for everything at once, on one letter at the beginning of the application process instead of looking for it piecemeal at the end? You could have asked for this particular thing when I first uploaded the bank statements back on XX/XX/XXXX. Why wait 21 days and do it in excruciatingly slow snail mail? 

When a document missing or not good enough why wait until its too late to ask for it in a letter dated XX/XX/XXXX and terminate my application three days later? Do you REALLY want this house back? Now that its worth $ XXXX more than I owe on it I wouldnt be surprised. Maybe the Federal Bureau of Consumer Protection would be interested in these practices. Is it incompetence or something worse like in XXXX? 

CC : Federal Bureau of Consumer Protection, Senator XXXX XXXX, Senator XXXX XXXX Senator XXXX XXXX, Representative 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 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$12000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
Issue is with payment to Amerihome Mortgage. 

We attempted to make a direct bank payment via their web site from an account with well more than sufficient money to make the payment. We received an email saying we had paid, on time, for XXXX. A month later we began receiving mail about a missed payment. 

The payment had apparently been reversed a week after it had been submitted. Multiple contacts were made to the company, hours on the phone, nobody could tell us what had gone wrong or how to correct it. Their only advice was " try it again ''. The third time, it just worked, and nobody could explain why. 

The next month it happened again. This time we tried two different bank accounts. Same issue - the web site/email said the payment went through, and it was " reversed '' to no explanation 10 days later. It seems clear there was a technical issue with their web site - these issues began after they made major updates to it. 

We then tried sending a paper check. We were told over the phone that we weren't allowed to send paper checks because of multiple reversed payments, and now had to mail money orders. 

We have the money to pay, and we are potentially going to have damaged credit despite that because their web site has technical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Mortgage is reporting late notations in XXXXand they must be removed. I recently looked at my credit and noticed these late notations still reporting which I was very confused. My account has been in deferment due to Covid so I was reassured that no late notations would be reporting. When I had first noticed the late notations I called and told them that my account was in deferment and no lates should be reporting. The rep then told me they would be removing the late notations but they are still there. This must be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/21 the XXXX  deposited a retroactive benefit payment for {$7800.00} via direct deposit into my Venmo account. I have received other XXXX payments previous to this with no issues. On XX/XX/21 Venmo froze my account without providing a reason, asked me to email a copy of my drivers license, which I did right away, and there is no way to talk to an account specialist over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX Mortgage Reporters  XX/XX/XXXX Experian XXXX XXXX  XXXXXXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Real Estate, Sales and Rentals XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I notified Suntrust ( Truist ) bank on XX/XX/XXXX of an unauthorized debit by XXXX on my account. This notification was done through my online banking. Notifying the XXXX was done quite easily with a few keystrokes. Never during the process was it stated that by submitting a unauthorized transaction report would cancel my debit card & access to my account. I was not notified by the bank that this had happened until I was not able to buy groceries today because my card was deactivated without my consent or knowledge. 
I spoke at length with a XXXX XXXX XXXX XXXX XXXX ( XXXX ) who was unable to reactivate my card or provide a way to access my funds before NEXT week. I believe they did not follow Regulation E or they did not follow the spirit of Reg E by not notifying me prior to me finalizing my unauthorized report or by contacting me via phone or email or text ( all info they have ). I am ( was ) a XXXX year customer and am now going into XXXX XXXX XXXX weekend & moving kids out of college with no access to my money via ATM/debit purchases, etc. Please help make sense of this or help me access my money. Thank you for any support you can provide.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of 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 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Hello, i've tried to get this situation resolve alot of times. i was XXXX  2015 at the time of this collection i was not aware of this. i spoke to a rep and i stated that i was only paying it ( {$610.00} XXXX to get it remove from my credit ( Transworld system XXXX she told me that it will be removed. ive checked and its still there. i strongly believe that i should'nt be responsible for someone using my information. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  XX/XX/XXXX TransUnion XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-06 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company SYNCBXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-06 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2021 have performed transaction to transfer money from my ( Sender ) bank to receipent Bank in XXXX for {$320.00}. They told me money will be available for receipent by XX/XX/2021. The have taken out money from my Bank XXXX XX/XX/XXXX or XXXX but didn't submitt to Receipent. On XX/XX/XXXX calling Wester Union they issue me Ref # XXXX .I m trying calling them to give me status or report .They Put me on hold for long time .Can someone please look in this matter and Today is XX/XX/XXXX don't know where my money is. For further inquiry or questions I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation