vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Issue Statement : In XXXX of this year, 2021, I filled out a support ticket requesting that Coinbase move my XXXX bitcoin from my vault into my account as I was unable to do so. I made this request as I was unable to identify the second approval email, thus making the vault inoperative and the content unavailable to me. 
On XX/XX/2021, Coinbase stated that they had successfully performed a transaction to move my bitcoin from my Coinbase vault into my account.

( XXXX and XXXX ) The referenced accompanying emails clearly state that Coinbase had successfully transferred the bitcoin from the vault to my account, making them available to me for further action on my part. 
However, since XX/XX/XXXX, when this transaction allegedly occurred, the bitcoin has not appeared in my account, and my account is listed as having XXXX bitcoin. 
The bitcoin was sent to an address which is not associated with my account, and Email-XXXX, states that it was sent to an address " you haven't previously used. '' When I inquired as to the whereabouts of the bitcoin, I was told to supply the Hash ID for this transaction. 
( EMAIL-XXXX ) I responded that since I did not perform the transaction, I had no record of the transaction or its Hash ID. 
The case was then closed without any explanation, and I was informed to open another ticket if desired ( EMAIL-XXXX ). 
On XX/XX/XXXX, I filled out another support ticket asking Coinbase to open another case and assist in tracking down my missing bitcoin. 
I received an email ( XXXX ), strongly intimating that I had made an inappropriate transaction and thus had lost my bitcoin through my own incompetence. 
Since the bitcoin is missing as a direct result of Coinbase staff action, I believe that Coinbase should restore the bitcoin that I previously had that appears to have been lost by their staff.

The accompanying emails include some lengthy header information, in case, their true origin may need to be tracked. 
Thank you for any assistance you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 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: CA

Complaint narrative:
There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number 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 2021-08-03 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: CA

Complaint narrative:
There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AL

Complaint narrative:
I checked my credit report XX/XX/XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.

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 2021-08-03 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:
Good evening, I want to report about the account that is in my profile but this item is not mine. Its fraud item and mistake. I reported to Identity theft bureau. Please remove this account reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have a lease on XXXX XXXX XXXX My vehicle was damaged in an accident and has been at XXXX  XXXX in XXXX XXXX NJ since XX/XX/XXXX. I have been paying my lease every month yet I have no use of my vehicle. Honda will not give me a return date for my vehicle after 11 weeks. I have contacted Honda HQ and they have created a case number. The representative refuses to allow me to speak to a case manager or any executive at HQ. I have no vehicle and I am still paying for my lease!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX  and Equifax are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: LEXISNEXIS
State: GA

Complaint narrative:
I sent a letter to Lexis Nexis on XX/XX/2021about inaccurate, incorrect information they are reporting to credit reporting agencies. This information was provided to a potential employer and has caused me to not gain employment because of the inaccurate false public information they have on my report. I'm not sure how they were able to provide this inaccurate information becuase I contacted the court and they told me they DO NOT report information to credit reporting or any third parties companies. This is a violation to my right to privacy and I want this information to be deleted from their system and any other agencies such as XXXX, XXXX, and XXXX. This company had no permission to report anything concerning my information. Under the FCRA law no consent is identity theft. It is not fair that you can just snoop around my business that has nothing to do with you. I never asked or gave you my consent written or by mouth to report any of my information. if you fail to comply I will file legal action for XXXX  you have caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
This is a follow up dispute to Transunion about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file attachments

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 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Dear CFPB, As you know you are no stranger to the deceptive tactics of Midland Credit Management. On XX/XX/2021, we received a notice that our account was in their " Pre-Legal Department '' and we were at risk of being sued. 

Midland Credit Management has no right to this debt and can not prove that we owe this debt. In their letter, they failed to provide the proper disclosures and I'm disgusted how many consumers they are ripping off with this type of bullying. 

The only way to " stop the legal process '' to pay an amount we DO NOT owe. 

I demand Midland Credit to provide proof that I owe this debt and if they can not do so, they must stop contacting us. We're prepared to fight back with our attorney if they will not leave us alone. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: TX

Complaint narrative:
On XX/XX/21 and XX/XX/21 I submitted a letter on inaccurate and unknown things on my credit report. over 60 days have passed and i have not received a response. I feel my disputes are being ignored and i am being taken advantage of. In Section 611-a it plainly states that a failure to investigate these items within 30 days gives a reason to have them removed immediately from my credit report. It has been over 60 days so they should be removed immediately. I demand these accounts be removed at once or I will file litigation due to stress and suffering. My information has been impacted by the Equifax, XXXX XXXX and XXXX data breaches and may have got into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I called Navient with questions about relief for a student loan. I did not speak to anyone at Navient but left a message with NAVIENT with questions regarding problems with my account. A short time later, I received a text with a referral to this organization. 

My original loan repayments were consolidated by either XXXX XXXX or XXXX XXXX organization. I believe I was on a graduated payment plan. I have made payments consistently on my loan since XXXX, when I began working at XXXX XXXX XXXX. I'm not sure of the circumstances but at some point I was referred to Navient in XXXX however, I know that I was not informed that I was no longer dealing with a Federal agency. I only learned with after being turned done for Loan Forgiveness in XXXX. 

Earlier this year, I contacted a legal referral group online and was given several options to pursue. When I explained the situation, I was encouraged to contact Navient for a copy of my original loan agreement. I did this but was only sent a summary of the loan. I have learned that the total amount to be paid is {$91000.00} for a loan with original principal of {$53000.00}. Moreover, as of XXXX, XXXX, my payments have jumped from {$290.00} to {$500.00}, with a payoff date of XXXX. Nor do I recall making these arrangements ; particularly as I am XXXX years old and look to retire in five years. 

I do know that in XXXX I was taking care of my mother and my brother, who was an adult with XXXX XXXX and other XXXX  XXXX, but I don't believe I was ever informed of the changes moving to Navient would make -- or that there were other options. I wouldn't have known about Navient had I not been referred to this organization. 

Contacted the XXXX website and received several offices to contact. HOwever, when I explained the situation, I was encouraged to contact XXXX and list my legal issue as Consumer Law or Education Law. However, I haven't had success finding a lawyer in my area. 

At this point, I am in desperate need of assistance and hope that I may receive information from this office on how t o move forward. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.

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 2021-08-03 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: MS

Complaint narrative:
Transunion and XXXX are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Pursuant to federal law, Chase Bank is in violation of Federal Law 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Professional Credit Management, Inc
State: LA

Complaint narrative:
I was contacted by Professional Credit Management regarding a collections account in the amount of {$110.00} ( in XX/XX/XXXX ). Upon this communication, I was told that paying this account would result in it being deleted from my credit report. On XX/XX/XXXX, I paid the account and received confirmation of the payment to my email account. 

After a few months ( XX/XX/XXXX ), my credit report was reviewed my credit report and found that this account, while showing paid, was still there. I contacted the company to inquire about this. I was then told by a representative that they could not delete the account from my credit report. This is completely different from the information that I was told prior to paying this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employment information on report. I have never worked for XXXX XXXX. I work for 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 2021-08-03 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: AL

Complaint narrative:
I checked my credit report XXXX of XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.

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 2021-08-03 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: AL

Complaint narrative:
I checked my credit report XXXX of XXXX  and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I have presented Suntrust promotion bonus {$200.00} and {$500.00} to the banker who opened two brand new checking accounts ( one business checking account and one personal checking account ) as the new accounts conditions. By the end of XX/XX/XXXX I have completed business checking account promotion requirements : accumulated deposit {$1500.00}. However until now XX/XX/XXXX under my numerous times requests, Suntrust never paid {$200.00} bonus plus penalty. Since XX/XX/XXXX I have sent {$5000.00} per month request for money to the debtor such as XXXX XXXX XXXX county Maryland, U.S. Department of Health and Human Services, IRS etc to collect debt by using XXXX - the electronic funds transfer. I kept requesting money from XXXX to XX/XX/XXXX every month. Except for this, I also sent several emails to Suntrust and other financial institutions such as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX to return my stolen funds {$9800.00} plus all fees from XXXX XXXX  XXXX and {$68000.00} plus all fees from XXXX XXXX XXXX as well as additional stolen funds {$750.00} plus fees from a third party company. Please see my previous CFPB Complaints. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have visited Suntrust Bank three times in person to demand promotion bonus {$700.00} plus penalty for illegally withdrawal client funds {$20.00} for six times. Under my numerous times requests, {$700.00} bonus and penalty for illegally withdrawal client funds {$20.00} ( six times ) never paid. The other issues such as mobile deposit can't be used. Therefore I am asking Suntrust to pay all listed above immediately. Please contact me for attachment.

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