vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Description : Coinbase My account was compromised even with two factor security requiring my cell phone. i received a two factor request on XX/XX/21 at XXXX XXXX  indiana eastern time. At the same time i received a email confirmation of a transaction completed converting ankr coin into btc coin. I did not make this transaction. I immediately logged in and changed my password again. reversed the transaction. Contacted the company. They locked me out of my account. They refuse to communicate with me after over 20 email attempts. they refuse to let me close my account. After further research on their social media profiles like XXXX. you can clearly see their entire feed is filled with similar stories. They are locking us out of our own accounts while they scrub the evidence and steal our money. Im ashamed that a company like this can even be successfully listed with an exchange as a recent ipo. This company is a scam. They have only email communication and they refuse to communicate. The customer has no recourse. My supposed case is Case # XXXX They have lied and misled me repeatedly on how to unlock my account. I did what they asked and they refuse to unlock it, allowing me access to close it and transfer my money out. If the Sec doesnt act imo you are complicit in this fraud. I can provide all emails. The ip address and location of the unauthorized access would have been available on my account but since i cant log in i cant gather it as evidence. Perfect XXXX  scheme going on here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have reached out several times to TransUnion and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called TransUnion and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives.

I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and Equifax refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We bought our home back inXX/XX/XXXX and took us long fight and hard work to keep our home after we got XXXX XXXX XXXX to Modify our mortgage then they sold it to XXXX XXXX  company who is made a big mistake on the escrow account which made us short XXXX on the escrow account after long long long negotiation and fight they agreed to their mistake and agreed to fix the problem. But they turned around and sold my mortgage to Fay servicing company and Fay servicing refused to fix it or help or modify the loan and they keep telling us to give up our home because we cant offered the payment and we are going to almost two years and the only reason we still have our house because we pay {$1500.00} a month to attorney office to protect our home and Fay servicing breached the contract after we agreed on after we dropped the small claim lawsuit against them because they say they will help us if we drop the lawsuit. 
I did talk to Fay servicing today XXXXto check the status of modification paper work we send 30 days ago and the gentleman I spoke too he told me your are denied for modification but approved for a short sale because I cant afford the payment also he say I Should sell and put money in my pocket because my house worth XXXX right now, I told no and Im going to sue them for discrimination and he say think about it and let us know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/2021 a fraudulent charge was made against my Apple Card by a merchant listed only as XXXX in the amount of {$340.00} I disputed the transaction on XX/XX/2021 at which time Apple gave me a provision adjustment. 

With no further communication, they reversed the credit on XX/XX/2021. 

I have no records of this purchase and Apple has provided no evidence to support their reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed this fradulent public record numerous times with the credit bureaus. Experian and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong 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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per Experian, XXXX  and XXXX  reports ; XXXX  XXXX  XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} XXXX  XXXX Amount {$560.00} XXXX XXXX XXXX XXXX Amount {$1300.00} XXXX XXXX XXXX {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report 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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted

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 2021-06-02 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: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel Law Firm reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response.

Gurstel Law Firm is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt.

I called Gurstel Law several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.

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 2021-06-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM 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 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 2021-06-02 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

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

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 2021-06-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please check on that and remove them from all the 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX  is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send

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 2021-06-02 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: TX

Complaint narrative:
I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
The status of the account is incorrect. The status should say Transferred/Sold to another lender. Mortgage lenders believe this is a foreclosure and we are still in possession of our home. Its Real Time Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CITIBANK, N.A.

Complaint narrative:
On XXXX of XXXX I have sent an e-mail to XXXX asking them to send me my date of birth and my alleged SSN as previously they have admitted having them. Also I have asked them to get a response by post which they ignored. They responded by e-mail on XXXX of XXXX saying they are unable to verify the specific information they have gathered. The same day XXXX have asked them how they were able to obtain my SSN when I do not have one. And on XXXX of XXXX they repeat their response and say that they consider the issue resolved and they will no longer respond to inquiries regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, I took my son to the XXXX XXXX XXXX XXXX for a XXXX sustained during football practice. I paid my {$75.00} co-pay and later received a bill from XXXX XXXX for {$47.00} which I promptly paid. In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX ( XXXX of Mississippi XXXX XXXX XXXX for the amount of {$120.00}. I ( incorrectly ) assumed this was a mistake and had already paid this because my {$75.00} copay plus {$48.00} ( rounded up from {$47.00} ) equals {$120.00} which is the exact amount I had already paid. 
In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX XXXX that stated my account had been sent to them from XXXX. Once I received this, I dug further and realized that there were 2 separate {$120.00} charges, one from XXXX XXXX, and one from XXXX ( the doctor we had seen in the ER, XXXX XXXX XXXX XXXX. ) Once I realized my mistake, I paid the amount in full to XXXX XXXX XXXX on XX/XX/XXXX. ( Will attach receipt. ) In XX/XX/XXXX, I received yet another collection notice, this time from Phoenix Financial Services ( Agency Name ) with the current creditor listed as XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX and they sent me a statement detailing that I had paid and the date of payment received. When I contacted them back to let them know that Phoenix stated the date of service had to be on the receipt, XXXX XXXX Customer Service Representative told me that their receipts are standard and he could not include it on the receipt, but he did email me back stating the date of service separately. I will attach that correspondence that includes his contact information. I emailed the receipt and forwarded the email correspondence with XXXX to Phoenix. Phoenix then sent me a letter stating they had received my letter of dispute but that they had obtained verification from the creditor confirming the account information provided is accurate. The letter from XXXX also discloses that consumer reporting agencies report the account as disputed which indicates that they have sent this debt to my credit bureau. The number on the original XXXX bill is not a working number so I have no way to discuss this with them. XXXX refused to give me the number of the original debtor, and XXXX XXXX only has the doctor 's private practice number. When I called the private practice number, his business manager said she has nothing to do with that and would not give me an alternate number. 
I have proof this debt is paid yet XXXX XXXX XXXX, XXXX continues to harass me, attempt to collect a satisfied debt, and according to their most recent correspondence ( attached ), I gather they have reported the debt to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Allgate Financial, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response. 

XXXX XXXX XXXX is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt. 

I called XXXX XXXX several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with non-monetary relief