vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Dear CFPB, If you can further investigate and help me resolve my issue, it would be greatly appreciated. As you can see from the attached correspondence with Coinbase support, they only respond with a generic message rather than making an effort to help you with your specific situation. As you can see, Coinbase support stopped responding and they do not offer live support. 

Here is the situation that I'm in, 1. I opened a Coinbase account. 
2. I transferred {$30000.00} from my bank account to Coinbase account. 
3. I purchased {$30000.00} worth of bitcoins on XX/XX/2021. 
4. Upon discovering Coinbase XXXX, I transferred all my bitcoins from my Coinbase account to Coinbase XXXX account on XX/XX/2021. 
5. After completing the transfer, I decided that there was no need for Coinbase account as I planned to use Coinbase XXXX as my primary account. Therefore on XX/XX/2021, I deleted my Coinbase account not knowing Coinbase and Coinbase XXXX share the same account. 
6. I tried to log into Coinbase XXXX and learned that everything was deleted ( including all the bitcoins that I transferred from Coinbase to Coinbase XXXX ). 
7. The Coinbase website cites the following, " You'll need to have a XXXX balance before you can close your account. If you still have a remaining balance in any of your wallets, you'll need to send your funds to an external wallet or fellow Coinbase user. '' Although my account had bitcoins, it never prompted me to transfer my bitcoins to an external wallet. 
Based on the aforementioned statement, my account should NOT have been able to be deleted because it still held bitcoin balance. 

Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account system is saying I owe them for an unpaid cable bill. I never had a cable bill, so this has to be a case of identity theft

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I was advised by Discover that a payment was not received. The payment cleared in my bank, I filed a dispute and sent supporting documentation to advise of payment. 
On XX/XX/XXXX, I was sent a letter advising that the issue has been resolved and I would be receiving the payment credit with interest. I received the credit and then on XX/XX/XXXX, they took the credit back. I was advised that they never received supporting documentation which is contrary to the letter I received on XX/XX/XXXX. 
I have spent countless hours on the phone and on chats trying to resolve this issue to no avail..I am left with no choice but to report it to here for assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Earlier this month ( XXXX ), I sold tickets on XXXX and selected that the payment be directed to my PayPal account. 
The tickets were sold, monies deposited in my PayPal account, however, when I tried to access the account to have the monies deposited in my bank account, I received an error message on the PayPal site telling me I can no longer use PayPal and that any money in my account will be held for XXXX days after which Paypal will send an email with instructions about transferring my money.

Upon receipt of the message, I phoned Customer Service and was treated very rudely by an agent informing me that he was unable to disclose any particulars to me as to why I was no longer able to utilize PayPay services. 
To be fair, as I recollect, I have maybe used PayPal one or two times in the past, as I prefer to use other methods to make payments. However, to try and rectify PayPal concerns, I provided them with a picture ID and other methods to verify my identify. 
The servicing agent told me that there was nothing he could do to return me my funds and I simply had to wait the XXXX days. 
It is infuriating to me that this company is able to hold my money hostage and not work with me to validate my identity. 
I truly would never to business with this company- nor would I recommend others to do so. 
I would like my money refunded to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: ALLY FINANCIAL INC.
State: FL

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

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 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a Citi credit card holder ( XXXX cards ) and have had numerous issues with the mobile app providing me with inaccurate information. In a nutshell, I make numerous payments an the app, which provides a Before Payment amount and After Payment amount. The following day, the actual amount is always different ( higher ) from the After Payment amount noted in the app. I have screen shots to support this. Citi insists that the app is working as designed and that pending payments may impact the actual balance. It is important to note that at NO TIME does the app display a message that the actual balance could be different. I started my complaint in XX/XX/XXXX via email to XXXX XXXX, XXXX XXXX. XXXX XXXX from the XXXX XXXX XXXX left me a voicemail on XX/XX/XXXX stating that he and a colleague did find the problem and that " indeed something odd going on within the actual algorithm or the coding behind that. '' I reached out many more times and no one would acknowledge the message about a coding error in the app. I requested a corrective payment again and rec 'd a response on XX/XX/XXXX that the app is working as designed and no corrective payment can be issued. Their response includes " we certainly regret any confusion regarding the voice message left by our representative on XX/XX/XXXX. We have forwarded the details of your request to our appropriate departments for potential future enhancement of this process which may include pending transactions in the future balance figure displayed as part of the payment flow. '' It is unconscionable that a a multinational investment bank and financial services corporation would feel that providing the consumer with an accurate balance after payment on the App is a " future enhancement. '' What?? I am a single mother of XXXX teenage daughters and I am trying to make ends meet. I made a large number of payments while prioritizing debt reduction only to find out that the data given by the bank through their own mobile app was inaccurate. Additionally, once the CEO 's colleague, XXXX XXXX, told me that they identified a problem with the algorithm/coding on the application, I felt relieved that they would finally make me whole. They have swept aside the comment about the coding error and the inaccurate information on the App displayed after payment. There could be thousands of other consumers who have been impacted by these XXXX issues.

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 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My ex-husband XXXX XXXX, had a joint bank account with Bank of America. I tried to remove my ex husband from this account after the divorce in XX/XX/XXXX but Bank of America would not allow me to remove him. XXXX XXXX is XXXX permanently due to a XXXX XXXX in XXXX. He can not lift his arms up over his head and has doctor documentation to support this and legally has no money or assets. 

I continued to use my Bank account because I was told by Bank of America employee that the only problem I would have is that XXXX could take money out of the account if I used it. That is fine and was a personal concern, not a bank concern so I did not attempt to legally force him to be removed from the account. 

Sometime in XXXX time frame XXXX XXXX defaulted a credit card with BOA for {$8200.00} and they have gained a wage garnishment against him. This debt is not my responsibility, but BOA has seized my funds and money from my job and employments in the account. BOA is beyond the time frame of collecting for a charged off account. I personally have not seen any attempt to even collect this debt. This is the XXXX I am hearing of it when my bank account was emptied. If the bank had contacted XXXX I am sure he would have made some attempt to even fix this before they just froze my account.

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 monetary relief
Consumer complaint received 2021-11-28 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: DISCOVER BANK
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit reports XXXX XXXX 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 2021-11-28 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit reports XXXX XXXX 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 2021-11-28 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: AES/PHEAA
State: FL

Complaint narrative:
I filed a dispute in regards to the items on my credit report on XXXX XXXX. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX XXXX monitoring that a collection account was placed on my credit report. The collection account states National Recovery Agency placed a collection account on my credit report referencing that I owe them {$160.00}. I have never received any written notice stating I owe a debt or allowing me to exercise my consumer rights to ask for validation of the debt that is claimed that I owe. These practices are deceptive and violate my rights. Under the law a collection agency is required to contact a consumer in writing about an alleged debt and provide the consumer with the write to challenge the debt which would provide me with the name of the creditor, a statement that unless states I have XXXX  days to dispute the debt before the agency will assume the debt is valid. This company fraudulently placed this collection on my credit reports that is not owed by my person. I am asking this company to DELETE this collection account immediately because my rights were violated. Please provide me with Validation of this debt as well as : 1.an affidavit from the original creditor that allows you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claim 4. Proof that the statute of limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 5. Show me that you are licensed to collect in my state and your license numbers and REGISTERED agent information. 
Your offices have reported inaccurate information to my credit report and I am ready and willing to bring legal action if this is not deleted 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 2021-11-28 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: WI

Complaint narrative:
On my credit report I have a collection account with XXXX in the total of {$1400.00}. I have never received verification of the amount that is owed.

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 2021-11-28 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:
There are numerous accounts listed on my credit report that I currently have no knowledge about. This was a result of malpractice or an error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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:
There are numerous accounts listed on my credit report that I currently have no knowledge about. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: CA

Complaint narrative:
Contacted company by phone ( TransUnion )! Wanted to know why my credit score dropped XXXX points ( XXXX to XXXX ). The first person I talked to was trying to explain to me why credit scores drop!! I told him I know that, my question was WHY DID MY CREDIT SCORE DROP!!! I gave him all my info and he could NOT give me an answer!!! I then asked to speak to his supervisor!!! I think this XXXX was XXXX  than the first person I talked to!! He again said he could not tell me why my credit score dropped? I asked him if he was looking at my info on his computer!! He said he was, I then said WHY DID MY CREDIT SCORE DROP XXXX points!! He said I needed to talk to a credit counselor??? I did contact XXXX XXXX and XXXX XXXX! The only XXXX charges during this period!! Both said my accounts were paid off and I was in Good Standing!!! I don't understand how a company like this could destroy someone's credit without suffering severe financial penalties!! Also how, after identifying myself, they can refuse to give me an explanation what the XXXX they are doing, instead offering platitudes like I'm some kind of XXXX!!! I would like a complete summary of how this occurred and how it will be prevented from happening again!!!

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 2021-11-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$6300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8800.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: L.B.Gray LLC A Debt Collection Agency
State: OH

Complaint narrative:
Had a XXXX  month lease and toward the end the apartment had mice so we did not renew the lease for XX/XX/2016 we completed an attempted to vacate form gave it to management and moved. We were not notified of a balance or given an itemized list of the balance. Recently spoke with the current manager and was told to dispute because she could not find anything and she would call when she received the dispute yet she has not called and the amount remains on my credit. This negative should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of XXXX  months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX XXXX, I received a noice Bing bing bing. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. 
I sent you all documents that the request will be processed. 
Your immediately attention to this matter is appreciated. 
Sincerely XXXX XXXX XXXXXXXX

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