vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXCURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child   was born in XX/XX/XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX  XXXXt XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX MEDICAL PAYMENT DATA XXXX MEDICAL PAYMENT DATA XXXX MEDICAL PAYMENT DATA XXXX XXXX BANK CC XXXX CHILD SUPPORT ENFORCEM XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2019-08-04 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXCURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WI

Complaint narrative:
I was making automatic payments of {$200.00} toward a balance transfer offer. When the offer expired I transfered the remaining balance to another company. I called Discover and they said the auto payments would stop since the balance on the card would be XXXX. Little did I realize the payments continued from XX/XX/XXXX through XX/XX/XXXX. Once I realized what was going on, they said the auto payments were for XXXX XXXX because of a balance on the card. When I told them Ive conferred with my bank and they said the payments never stopped, Discover them said they wanted the statements. I dont feel I should have to send them my confidential information. I want a cash refund of the amount they should have not taken ( {$1400.00} ) from my account, including interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Opened a credit card with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Account went negative and was charged off in XX/XX/XXXX, however, current report shows account as " revolving '' and " failure to pay '' month after month, despite being charged off by XXXX. 
Further, attempts to reconcile this debt have gone unanswered.

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 2019-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I can not transfer my cryptocurrency BTC from my Coinbase vault  into my Coinbase wallet. I have {$430.00} USD worth of Bitcoin that  is in my Coinbase vault which needs to be withdrawn to my Coinbase wallet to access. I tried withdrawing but there is an issue with the withdrawal because I need to verify it from two of my emails ( my personal emails, one primary and another secondary that I had entered when I created my account ) to do so. 

Coinbase sent me a confirmation to both of these emails which each included a link to approve the withdrawal, and i was able to successfully verify it from my primary because after, I was directed back to Coinbase and a green check was marked on that email address under the withdrawal transaction. 

I then logged into my secondary email and followed the same steps, however after clicking on the link, a notification popped out from Coinbase which stated THE ACTION WAS ALREADY PERFORMED. Yet upon checking my Coinbase account and the withdrawal transaction, there was NO green check mark next to my secondary email address which meant that my approval from it was still pending. 

I then tried to do it again , ave even tried canceling the transaction altogether to create another withdrawal yet the outcome was all the same. NO green check mark next to the secondary, and no approval. 

I then did research online to see if any other Coinbase users have had the same problem, and found that there are MANY users who have encountered the same issue. However, Coinbase has not solved the problem after contact with support, and they still can not access the funds that are stuck in their Coinbase vaults. A few have even been waiting months which I found to be alarming, because the withdrawal process is stated to take no longer than 3 days. 

This is theft because Coinbase will not release the funds which are rightfully mine, due to their verification problems and technical issues. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: NY

Complaint narrative:
I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My first child was born in XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX   REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. 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 2019-08-04 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: NY

Complaint narrative:
I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child  was born in XX/XX/XXXXand prior to that I was XXXX. 

1 ) New York State Department  of Social Services ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. 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 non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a dispute with Bank of America Money Network because my card had been stolen and almost all the money had been spent. Im in a really bad spot financially and Im losing everything because of this, I pretty much have been working a month with one check. I faxed them what they had asked me for which was dates/amounts/merchants. I they continued to not reach back out to me so I kept calling just to find out it had been denied and Id have to appeal and in my situation im living in hotels right now because this happened and Im running out of money so I really need the money back and soon because no I cant wait any longer. Im losing everything because I cant financially cover anything anymore.

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 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
I was contacted by Glass Mountain Capital about owing a debt on XX/XX/2019. The representative told me about a debt that I was unaware of and needed more documentation. Therefore, I asked for written verification of the debt to be mailed to me as soon as possible. The manager on duty, emailed me some documents, which I was not able to see, so I replied twice for them to be re-sent, with no reply from the representative or collection agency. XX/XX/2019 was the last time I heard from the collection agency ; no phone call or written verification of debt. Under federal law, a collection agency has 5 days to send the verification to the consumer ; however, it wasn't until XX/XX/2019, that the company under its subsidiary name " XXXX '', mailed verification and it was not until XX/XX/2019 that I received written document. Clearly, the time frame is more than five business days and negligence on the part of the company to verify the debt in a lawful and timely manner for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They removed it and then never contacted me again and now its back when Im trying to correct my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: SC

Complaint narrative:
The direct express debit card that my SSI benefits are going to has been hacked. The hacker or whatever took a sum of {$1100.00} out of my account early this morning. The lady " XXXX '' from the debit card company left me on hold for 3 hours and when she finally got back on the phone she said there's nothing she can do. The transaction is still pending. After reading a few articles about this service and hearing the horror stories I discovered your website. We really need help. That was our rent money. By the way now we can't get anyone to get back on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A Capital One 360 checking account was opened as a result of a data breach, opened sometime in XX/XX/XXXX, closed by Capital One in XX/XX/XXXX. I learned of the account after receiving information in the mail showing account was opened in my name. The account was closed sometime in XX/XX/XXXX, a close out check for funds totaling XXXX was not received. The initial check sent to me on XX/XX/XXXX had a stop payment placed on it, which was premature by one or more Capital One reps. A second check was sent via XXXX, I received an email notification from XXXX showing a 2nd day air package sent to me from Capital One. I was in XXXX XXXX at the time and was not at home to receive, sign it, cash it. I left for vacation on XX/XX/XXXX, was in XXXX XXXX until XXXX. When I arrived home on XX/XX/XXXX, the package was nowhere to be found. A XXXX with Capital One leadership team informed me another party had intercepted the check, signed and cashed it. He had a copy of the check mailed to me, the signature on it is not mine, cashed at a XXXX XXXX XXXX  which I do not have an account at. I've provided this information to numerous Capital One reps, none of whom will acknowledge it or even look into. I've shown a copy of my itinerary from XXXX, as well as a statement from front desk personnel showing I was checked in XXXX XXXX at time of check delivery/cashing. Further, I provided a statement from XXXX XXXX, who was my driver to XXXX XXXX in XXXX, MA. I also provided an accounting from XXXX showing there was no funds transfer to my account for said amount, XXXX. The last Capital One management team member, XXXX, stated it appears the check was cashed in my name by someone else and it should be reissued. Capital One Executive Office does not agree and or sees it differently than their own manager, refuses to look into lost funds I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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:
I have sent both TransUnion/XXXX  a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: MO

Complaint narrative:
In XX/XX/2018 I received a Bill from XXXX XXXX XXXX XXXX in the amount of XXXX. I then contacted them to prove that this was not me who used their service. After an investigation done by XXXX XXXX I then received another letter on XX/XX/XXXX stating that the results were that they could not identify who received their service. A couple of months later, I was contacted by Grant Mercantile collection agency. They were trying to receive the same debt from the afore mentioned dispute with XXXX XXXX XXXX. Grant Mercantile Requested that I send them a letter with a police report ( submitted case # XXXX ) and file a dispute with the federal trade commission ( report # XXXX ) and the letter from XXXX XXXX ambulance claiming this was not me as well. I have recently now received a notification on my credit report that Grant mercantile is still pursuing this debt. This is an example of predatory debt collection when there is no proof this was my debt and I have gone through the necessary steps to work with the agency. I am currently in contact with a local law firm to pursue legal action.

Company response to consumer: Closed with monetary relief