vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.

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 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma has failed to inform me of why they suddenly and abruptly blocked access to my funds. It's been well over a month that I have tried resolving any issues but they have never given me a clear explanation as to why they are not letting me access my account. I receive my employment direct deposit to this account and have fallen behind on bills and rent due to them preventing me from withdrawing any money. I have been left on hold for hours then I am disconnected.i have a full time job that doesn't allow me to call credit karma all the time. Every day, for my lunch break I call them requesting my money and closure of the account they do not follow through with it. They have submitted about five inquiries to their " higher department '' who is supposed to contact me within 48 hours to resolve this, but they don't follow through as well. I'm frustrated and need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW 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 2021-06-10 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
XXXX21 {$1300.00} I've called to resolve I don't owe this.

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency XXXX XXXX with a balance of {$320.00} and an original creditor of XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX I believe this may be his account and if not this account is fraudulent.

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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/XXXX I received a collection letter for {$3200.00} owed to Pay Pal originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a Pay Pal Credit account. 
I did not have a Pay Pal Credit account, in fact I did not have a Pay Pal account at all. 
In XXXX, I opened a Pay Pal Credit account which has never has never been in arrears. 
Ive spoken with both Pay Pal Credit and they advised me to report it to all 3 credit agencies. XXXX XXXX ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.

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 2021-06-10 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: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Nationwide Recovery with a balance of {$1700.00} and an original creditor of XXXX XXXX XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.

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 2021-06-10 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: CA

Complaint narrative:
My Coinbase account was hacked on XX/XX/XXXX and alt coins were converted to bitcoin, I immediately attempted to freeze my account. Coinbase sent me a form letter email indicating which steps to take to re-instate my account. The Coinbase processes prevented me from completing those steps to even see what funds were stolen or if in fact they were moved out of my account. Coinbase sent another form letter email stating their customer service was escalating the issue to a specialist. Days later, coinbase did not respond. Again I contacted customer service, and received another form letter stating someone would get back to me in 4 to 5 days. On XX/XX/XXXX, I submitted a complaint within coinbase regarding their customer service and that form letter response said they would be in contact within 15 days. To date, I have not received any assistance from Coinbase. I can not get into my account or determine what funds have been stolen. Its been 33 days. I had 0.3 bitcoin, 7 or 8 alt coins, all totaling roughly $ XXXX $ XXXX at the time. 

This is business malpractice. There are no email addresses, no phone numbers to call, and I'm begging for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 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: Kriya Capital, LLC
State: TN

Complaint narrative:
I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Credence Resource Management with a balance of {$180.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I received an unsolicited email from TrueAccord about a debt owed to XXXX XXXX. The email was addressed to my email address, but also addressed a different person by name, XXXX XXXX. I thought it might be a phishing scam and researched TrueAccord online. I read that TrueAccord is very difficult to deal with and usually requires a lawyer to get them to stop harassing you. This seems incredibly unjust to me. I'm afraid contacting them directly will only result in more harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

3. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
Dear CFPB, This complaint is regarding lack of transparency in sharing Credit Score by the credit bureaus. This particular one applies to my recent interaction with Experian on XX/XX/XXXX. I saw my score dropped by 4 points since last month. Earlier, it was a long 9 points drop on the note that " one of my credit card had closed and the file was thin ''. However, I haven't had any hard inquiries on my file since XX/XX/XXXX. When I ask the representative how did they determined my current score at XXXX. The agent replied I should check with my Credit Advisor. Now, I don't know who is that? So, I asked for who were they referring to? The agent replied-check with the bank because the bank provides them the info. Now, I have not missed any payments and all my credit cards current - and, this info. also shows on their credit reports but why my score went down? the agent had no answer. I plan on applying for a refinancing but with a score of XXXX my chances of getting a good rate is beyond bleak. I am disadvantaged. It is difficult to get a home where I live on top of everything else my score which is the only important tool for me to negotiate with lenders is putting me down in the game. 
I would like to request your office to share any guidelines for an everyday consumer like me who have no idea how this most important area/scoring works? Or, if there are no guidelines and it is up to these 3 credit bureaus to run our lives then I must write it is time that we need to take a look at the current system.

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 2021-06-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft JPMCB CARD Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
Dear CFPB, This complaint is regarding lack of transparency in sharing Credit Score by the credit bureaus. This particular one applies to my recent interaction with XXXX  on XX/XX/XXXX. I saw my score dropped by XXXX points since last month. Earlier, it was a long 9 points drop on the note that " one of my credit card had closed and the file was thin ''. However, I haven't had any hard inquiries on my file since XX/XX/XXXX. When I ask the representative how did they determined my current score at XXXX. The agent replied I should check with my Credit Advisor. Now, I don't know who is that? So, I asked for who were they referring to? The agent replied-check with the bank because the bank provides them the info. Now, I have not missed any payments and all my credit cards current - and, this info. also shows on their credit reports but why my score went down? the agent had no answer. I plan on applying for a refinancing but with a score of XXXX my chances of getting a good rate is beyond bleak. I am disadvantaged. It is difficult to get a home where I live on top of everything else my score which is the only important tool for me to negotiate with lenders is putting me down in the game. 
I would like to request your office to share any guidelines for an everyday consumer like me who have no idea how this most important area/scoring works? Or, if there are no guidelines and it is up to these 3 credit bureaus to run our lives then I must write it is time that we need to take a look at the current system.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello, I applied for the Home Depot credit card today ( A Citi store card ). Upon being approved for the card, I was shown a credit limit of {$600.00}. I then got an email advising I had a credit limit of {$1000.00}. I find the contradiction to be a major problem in keeping terms understandable to consumers. 

I called Citi cards and they further couldnt / wouldnt give me ( a consumer ) any information about the due date, bill cycle or talk to me about how the APR was calculated. Total stone wall job. I am a consumer just trying to get the basic details about how the card worked and no one wanted to give me the information. As a consumer, how are we supposed to know any of the terms of the credit cards we sign up for when these organizations refuse to provide it? Further, how can they offer a different credit limit in two different documents ( both of which I have ) and not honor the {$1000.00}? 

Citi cards also *asks* callers for their cell phone number so they can send the cell phone number a text - which makes no sense. Why wouldn't you text the number you have on file? Think about it - I am an XXXX - you ask for my number and I give you a number and you text it - I give you the code - you now have access to my information. This is a major security loophole if you ask me. 

After being a customer with Citi cards for nearly 2 decades, I am having to file a federal compliant because I cant get the credit line I was already approved for based on a hit on my credit or any information about the card. I think these folks need more regulation and I need a resolution. 

Thanks, I talked to : XXXX - Credit Supervisor Team 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 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX EST and XXXX EST, each time we attempted to resolve this matter with XXXXXXXX XXXX XXXXXXXX Credit Card service ( Comenity Bank XXXX XXXX. The first time the customer service rep sent us to the main menu after 30 minutes trying to resolve the problem and the second time the customer service rep hung up on us. 

The problem we need resolved is this. We received a {$50.00} certificate coupon. We called XXXX XXXX XXXXXXXX to ask how we can redeem it. We were told we needed to make a purchase adn when the amount reflected on the statement, we could then have the credit applied. Now that we made a {$71.00} purchase, XXXXXXXX XXXX XXXXXXXX has notified us that the credit can only be made at the checkout of a new purchase via the physical store or online. 

We received conflicting information. Either way, we are entitled to a {$50.00} ceritifcate coupon and we ask the company it be applied toward our current balance of {$71.00} so that our new balance show as {$21.00}. 

Our Certificate Coupon is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
I was applying for a mortgage but was declined due to a bad credit score. I obtained a credit report from XXXX  and found out the following : ALLIED COLLECTION SERV. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. Phone : ( XXXX ) XXXX " Has flagged my account as Collections on XX/XX/XXXX, XXXX with Balance : {$740.00} XXXX  XXXX  " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Phone : ( XXXX ) XXXX " has flagged my account as Collections on XX/XX/2021. Balance : {$740.00}. 
Both collection companies are representing XXXX claiming that I have a due payment of {$740.00} and I must pay to avoid service disconnection. Although I dont have account with XXXX I confirm that I dont have an account with XXXX and my service provider is XXXX XXXX XXXX since XX/XX/XXXX, XXXX.But for unknown reason to me XXXX keep pretending that Im XXXX client and have payment due. 
Im reporting this complaint to ask for your urgent support and required action so I can clear my credit report from these false flags.

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