vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had a Coinbase account where I purchased bit coin and where I also stored United state dollars. For some unknown reason, I received an email from Coinbase on XX/XX/XXXX stating that I violated their terms and my account would have to be closed without any detailed explanation. I am now trying to transfer out my remaining funds from Coinbase but am unable to link a bank account to complete the transfer. I have sent 2 separate emails to coin base with no response. All I wish to do is withdraw my money out of Coinbase but they are not helping, or telling me how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted AAFES after XXXX ( my debt negotiation administrator ) let me know that AAFES /XXXX XXXX will not negotiate our account. I explained this to AAFES and requested that i start paying on my account again. XXXX XXXX spoke to me, set up my ACH monthly payments and sent me an email with the Voluntary Payment Plan Agreement. I signed the agreement and emailed it back to BOTH XXXX and the XXXXXXXX email box on XX/XX/XXXX. It states on the agreement that if I don't agree and make payments, they will send my account for XXXX XXXX  and take my tax refund. My payments started on XX/XX/XXXX and have come out each month. I did everything that was expected from me. On XX/XX/XXXX I sent them my Hardship package to bring my interest rate back to 10 %. They had doubled my interest rate to 20 % when XXXX was trying to negotiate on my behalf. I have a fax confirmation that shows all pages went through to AAFES. I called AAFES on XX/XX/XXXX to follow up on the interest rate reduction and was told that I needed to call XXXX collections because AAFES sent into to collections on XX/XX/XXXX. AAFES never informed me that they were sending to collections. They had been taking my payment monthly and sending the monthly statement showing my payments. I called XXXX XXXX at XXXX on XX/XX/XXXX and explained all of this. He called AAFES and they told him that they never received my Voluntary signed agreement. I sent him the emails and fax confirmation showing that they are lying. My balance from my statement received shows {$4300.00}. Per XXXX, the new balance with the collection fees is {$5100.00}. I also verified that they're taking my tax refund this week. This is so wrong. I did everything that I was told to. Because they messed up, they're taking my refund and adding {$770.00} to a balance that I was already paying and they've gouged the interest rate. Please help. Thank you kindly.

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 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: IL

Complaint narrative:
I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck

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 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.

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 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/2017, I purchased XXXX ETH ( Ethereum ) from Coinbase for a price of {$500.00} on my XXXX credit card. 

Since then, it has been marked as a Pending transaction for two months. In that time, the value of my purchase has doubled XXXX. 

I've opened 3 separate support tickets from XX/XX/XXXX to XX/XX/XXXX, and they have been unwilling to credit my account for the XXXX ETH I purchased. Eventually they just stop replying to my emails. 

They have already charged my credit card and taken my money, but will not give me what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The company name is XXXX XXXX. They sent me a letter about an alleged debt. I wrote them a letter back and sent it certified mail asking them to validate the debt and mail that to me. As of XX/XX/2018, they have called my phone number 3 times ( I will not answer them, I have told them previously not to call me ). They have called both of my daughters, my husband, and my sister. Each time they are looking for me and they get upset when they tell them that the number they called is not for me. I am waiting for them to validate this alleged debt and then plan my next course of action but I will not speak to them and for them to call everyone in my family multiple times a day looking for me does not sit well with me. To me that is harrassment since they were told previous to the letter they sent me to not contact 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 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX On XX/XX/XXXX I made payment of {$1000.00} thru PayPal to XXXX XXXX XXXX and purchased a laptop. I haven't received the laptop yet and seller is not responding to me. I did complain the issue to PayPal and PayPal put a lock on the seller 's account but PayPal is not giving me any details not refunding me the money either. 

I would request you to look into this case. 

Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit rating has been damaged by perjurious allegations made by Wells Fargo, a company that gave me negative marks for not paying the monthly service charges on an unauthorized and empty checking account. Said checking account used to be authorized, but Wells Fargo refused to shut it down when I no longer needed it or wanted it. Wells Fargo has a well-documented history of trafficking in unauthorized bank accounts.

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 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

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 2018-01-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted Equifax several months ago and asked if the would remove information that is not mine. Every time I dispute it they never removed it even though I have submitted all the necessary documents even a police report and a letter from the District Attorney explain that I was a victim of Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.

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 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I submitted a case to Coinbase.com. The case ID is XXXX. 

My issue is I previously had an account with Coinbase shortly after they started doing business over 4 years ago. I have since lost access to the phone and email attached to my old account. This is not a new issue for Coinbase, as they have steps to restore access to your previous account on their website. 

I followed the help article for restoring access step by step. I created a new account, uploaded identity verification documents, and submitted a case for resolution. Since XX/XX/XXXX I have received one correspondence from Coinbase, which was a support rep giving me the link to the help article I already followed. That was on XX/XX/XXXX. I have updated information on the case multiple times since then in an attempt to gain their attention but they still have not restored access to my previous account nor merged the two. 

I understand with an influx of new users there may be a delay in handling support tickets, but two months is excessive and shows they have no sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MO

Complaint narrative:
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is the 3rd complaint I had file againt PORTFOLIO RECOVERY # XXXX I never recieved any information from this company or notifaction concerning this account. I have never heard of this company and never done any business for service, contracts or products.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Made about {$10000.00} in payments for a {$25000.00} loan consolidation with XXXX XXXX/Navient. The amount owed climbed to over {$32000.00} even though I was paying. Offered forebearances multiple times due to financial problems and they never told that they were basically re-lending money over and over with compounded interest. Their representatives lied on the phone and described the forebearance as just a postponement of the payments and intentionally omitted vital information about the fact that they were just re-lending money PLUS interest PLUS interest ON the interest. When I asked to have the call recordings pulled to prove their representatives lied to me, they said the recordings were gone. After I disputed this with Navient, they sold my loan to a collections agency and now the amount they say I owe exceeds {$40000.00}. They never got a signature from me agreeing to that and I have been fighting with them for years over this. They tell me I agreed to the terms but I did NOT. I agreed, BY PHONE, to the lies their employees told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: GU

Complaint narrative:
XX/XX/2018 : Applied for a Used Auto Loan. Loan Amount Requested : {$33000.00}. Loan was denied for Excessive obligations in relation to income ( overextended ). The lender was notified that 2 other auto loans were recently paid off. These same loans were being considered when analyzing capacity to repay. Lender was notified of this. There was no response to this inquiry. Loan decision appeared to be an automatic decision under the Reg B rules.

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Pulled credit reports, the following are hard inquiries that I did not authorize : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Regularly, I receive solicitations from Wells Fargo that I neither want, nor need. I have closed every account with the institution and still get mail on a regular basis. I would like my information removed from the privacy systems for all lines of business with the company. I no longer want to receive any information about checking or savings accounts, credit cards, mortgage loans or other products.

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 2018-01-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Sent 2 certified letters I was told debt was VALIDATED ( not a verification ) I did request that this debt VALIDATED be sent to me with Certified Copies of the TRUE BILL ( not a statement ) & the Original Contract with my Wet Seal Signature on it I was not sent this information this is Now A Demand for this account to be VALIDATED ( not a statement ) to show proof this debt belongs to me this is now my 3rd request for this information if debt can not be proved the account has to be removed I do expect this within 15 days after being notified this complaint was received send this proof to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX California XXXX this address needs to be updated on this account also and send all copies of all requested information also to my email address 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 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
THIS COMPANY HAS REPORTED ME TO THE CREDIT BUREAU WITHOUT 1- I HAVE NO KNOWLEDGE OF THIS DEBT THEY DID NOT SEND ME A WRITTEN NOTICE OF THE ALLEGED DEBT SO I CAN DETERMINE WHETHER OR NOT IT IS VALID. 
2- I DON'T KNOW WHY IT WAS REPORTED TO THE CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC
State: DE

Complaint narrative:
I contacted XXXX to schedule an exam for my XXXX XXXX XXXX certification and they told me that I had a five year period to take the exam and that my training was obsolete. I then contacted the Justice Dept and Higher Ed Dept. To ask them why must I pay for an education that I could not use.

Company response to consumer: Closed with explanation