vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I invested in concurrency XX/XX/2017. I used Coinbase as it is the lead US wallet for crypto. I made a decent amount of money, so i decided to hold and just use my wallet as a investment in case the price was to rise. well I had not touched my Coinbase accounts for almost half a year. When one day, I checked my bank account and saw that coinbase had charged me 4 separate transactions that totaled to $ XXXX. Once I saw this I logged into my Coinbase account on XX/XX/XXXX and saw that my currencies had been emptied and sent somewhere else and someone was able to use my card to buy $ XXXX in bitcoin and sent it also to a address. I have contacted coinbase and they act that they do not care. I get different answers every time I call and quite frankly it is something I consider quite serious. I lost about ~ $ 6K and they just say I have to wait for my support ticket to get looked at. I am not too sure if it was a hack or not. I have reason to believe my account was not actually hacked. I received ZERO emails for any transaction that happened. I received ZERO 2fa for any login attempts. This is why i have reason to think it may be fraud. It really is a joke when a company treats money with support tickets. It just seems like someone had administrative access to my account and misused it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I was trying a purchase a handbag on an application " XXXX '' which is XXXX $ .We contact by mobile texting. The seller said in order to waive the selling fee of XXXX, she suggest me to send her money through XXXX, so the price will be cheaper, which will be XXXX . I pay her XXXX $ on XXXX as reserved fee and begin send her money via XXXX of my bank - PNC. I send her XXXX $ total in two days ( XXXX $ on XX/XX/XXXX and XXXX $ + XXXX $ on XX/XX/XXXX ) via XXXX and XXXX $ via XXXX ( on XX/XX/XXXX ). After I finished all my transactions, She begin to claim that she never receive that XXXX $ fund. But after I called customer service, the agent said it is already completed. What made me find out she is a scammer and I start to file disputes and make police report. The XXXX $ reserved fee is covered by XXXX and that XXXX $ through XXXX charged back via dispute successfully. But neither police, PNC, or XXXX  willing to help on that XXXX $ transaction. My bank denied those 3 disputes without asking further documentation and police said they can't file a out-of-state criminal charge. That scammer is still selling bags on XXXX. I tried to contact her to send me XXXX $ back and she said she will do it but til now, I still get noting. I do have few more screen shot of our whole texting, but it's too large to be upload. So I choice 3 pictures of transactions and a business card of the police including the report #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: GA

Complaint narrative:
I've disputed at least 3 times with Equifax about inaccurate information thats not mine from accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. They keep verifying that its mine. I tell them that its not and request to see whats in my credit file to see if I can match it with my records, but they refuse to disclose this info. The information on these accounts are inaccurate and hurting my ability to obtain credit and causing me to pay higher interest rates. I want it removed from my account immediately. I've attached actual pages in my report that I got from Equifax in XX/XX/2018. Not a reseller, but Equifax. I've circled and notated all the mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: UT

Complaint narrative:
I received a letter, dated XX/XX/XXXX, received on XX/XX/XXXX, from Great Lakes ( XXXX XXXX XXXXXXXX XXXX XXXX ) who has been servicing my FFELP for a number of years. The letter was not marked as important on the outside of the envelope, or anything else that would indicate that it contains crucial information. Additionally, I have chosen to receive all of my account correspondence via email, so all important information should be received via email, and I have NOT received an email regarding this topic. 

The letter goes on to say that as of XX/XX/XXXX ( just 8 days after the letter was received ), my account is being transferred to XXXX XXXX XXXX and that my online account information on mygreatlakes.org will no longer be available. I have not received any communication from the new servicer regarding payment due dates, or any other communication to confirm the legitimacy and accuracy of this solitary letter. 

This strikes me as incredibly poor business practice, and a set up that could lead to missed payments, or payments sent to the old servicer ( especially in the era of automatic payments being set up ). 

It seems that for information of this importance, a minimum of 1 month should be required for communication ( especially, as my XXXX searches have taught me, that XXXX acquired Great Lakes in XX/XX/XXXX of this year, so clearly they have had more than 2 weeks of notice to inform me ). This is clearly poor customer service by both Great Lakes ( only 2 weeks notice from the date that the letter was sent ), and from XXXX ( no communication with me at all ). 

Either this is incompetence, or it is sleazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
Company : XXXX XXXX/ Netspend Dispute Claim # XXXX Dispute Claim # XXXX I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. I had filed my taxes and requested my refund be deposited on my account with the above referenced company back in early XX/XX/XXXX. While I was hospitalized someone stole my card and ultimately my identity and stole my entire refund leaving me negative. I learned of this theft on XX/XX/XXXX and immediately reported my card stolen and tried to log online without success at first due to my passwords being changed. My actual card was cut off and new cards issued. One card was issued to a man whom I don't know, but since have learned is currently incarcerated for credit card theft charges. This person received money from my account totaling at least {$2500.00}! 
I have filed identity theft report with the FTC and I have also filed a police report and a report with cyber crime unit. I have verified with the police that I was in fact hospitalized as to why I wasn't aware of the theft until now. I was assured that my funds were safe/insured and that I would receive them returned to me under these circumstances. I have sent XXXX police report and FTC report and within a few days was informed that my dispute claim # XXXX is closed and NO errors were found! How is my identity being stolen and in turn my funds totaling {$5700.00} being stolen not an error? 
Due to my last XXXX I have been left XXXX XXXX XXXX and must handle this matter via email. I am temporarily XXXX and seeking XXXX benefits and am financially unable to provide for my daily essentials because of this theft. I ask that you please help me in regards to 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 2018-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am XXXX XXXX graduate of the XXXX XXXX in XXXX program. 

Following graduation I re-enrolled at XXXX to pursue higher education. After review of my records I was enrolled and granted approval to register for three courses. Two of those courses were scheduled to begin on XX/XX/XXXX. The third course was scheduled to begin on XX/XX/XXXX. 

Unfortunately I had a dire family emergency come up which required a significant amount of my time. Realizing this, I contacted the college for guidance on withdrawing from my courses with the hopes of registering for them the following term. I was advised by phone that if I were to withdraw 0-3 days prior to courses starting I would receive a refund for the tuition and to submit a request in writing to the Office of the Registrar using email XXXX. I submitted the written and signed request to the email I was provided on XX/XX/XXXX at XXXX. I received no further communication from the college and assumed the withdrawal had been taken care of. 

In XX/XX/XXXX I attempted to obtain course approvals. I sent a message to my advisor to inquire about the status of those approvals and I was advised that my account was on a " fiscal hold '' and that I needed to contact the bursar 's office to " settle my account ''. I did as such and was advised by a person named XXXX that my request was not processed for the withdrawal and that I owed approximately {$4500.00} for the courses. I advised her that I didn't feel this was right but that I would try to pay the balance rather than file a complaint on the college that had afforded me so many opportunities. So I proceeded to try and save up enough money to pay the balance over the next several months. 

In XX/XX/XXXX I contacted the bursar 's office to set up a payment plan for the balance on my account but I was advised that my account was submitted to a collections agency and that I did not qualify for a payment plan. I then lost faith in the college and pursued my education elsewhere. 

However, my current educational institution requested that I send a copy of my official transcripts to them and upon attempting to do so I was notified again via a message on the website that I could not request my transcripts due to an issue with the bursar 's office. 

I followed the college 's policy on submitting my withdrawal request and it was on time ( prior to courses starting even! ) and because of what I assume to be a clerical error I am expected to pay thousands of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX is a mobile app for investing in shares and I am trying to link my Capital One 360 account to the XXXX XXXX app, but Capital One is blocking my external link. 

XXXX is another a mobile app for investing, saving, and sharing. Capital One is giving me the same problem by not linking my bank account and card with XXXX  mobile app. 

I would like get this problem situation as soon as possible. 

Please advise, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Claim number XXXX Account Number XXXX On or about XX/XX/XXXX, XXXX debited my checking account for the amount of {$770.00}. This amount was not authorized and I notified BofA on or about XX/XX/XXXX. BofA credited my bank account for the {$770.00} along with the NSF fee 's that came from the unauthorized debit in the amount of {$170.00}. BofA missed two NSF fee 's, so the total NSF fee credit should have been {$240.00}. 

On or about XX/XX/XXXX, BofA took the money back out of my account, and they also recharged my account for {$170.00} as well as an NSF fee. 

When I called BofA to inquire as to why they charged my account again, I was informed they never received the Unauthorized ACH debit form, despite me faxing it to them. I then faxed it to them again on XX/XX/XXXX and again on XX/XX/XXXX. This form was faxed to XXXX. 

As of this date, they continue to claim that this form has not been received. My account is overdrawn over {$900.00} and this banking error is negatively impacting 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 monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited an IRS check in the amount of {$6800.00} to my checking account ending in XXXX. In error, the amount deposited was {$5800.00}. I discovered the error in contacted BBVA by email on XX/XX/XXXX. I received a reply email from XXXX XXXX stating that government issued checks are not eligible for mobile deposit and I could either go to a branch and deposit my check or mail it. Due to the fact that I live over 60 miles away from the nearest branch location and at the time transportation was an issue ; I mailed my check to BBVA Compass Vault Services XXXX XXXX XXXX XXXX Alabama XXXX. On XX/XX/XXXX I received a letter from BBVA stating that my dispute was received and the investigation determined that my disputed transaction was a correct transaction and or authorized. I never made a dispute on this account and the amount of the dispute was XXXX to XXXX. The account number listed was incorrect and when I researched the amount of the dispute along with the date there was never any transaction made in that amount with the merchant listed on my account ending in XXXX or the incorrect account number ending in XXXX. The notice I received was not my dispute nor the correct account. I am still waiting on my IRS check to deposit and it has been over thirty days. I find it very strange that I receive that dispute letter approximately around the time that my check was supposed to be deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ... 
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2017 I went to BB & T bank to open a new checking account. I asked numerous times throughout the process while opening an account they did a HARD credit inquiry. I was told over and over that they do not perform a HARD inquiry and to stay rest assured if one did show up I could come back and have it removed. 

I ended up opening the checking account. A month later, I checked my credit report and sure enough on XXXX it says HARD INQUIRY " Bb & t Inquiry from XX/XX/2017 ''. 

I went back to the Manager of this bank and he said it should not have happened and they would investigate and someone would call me back. I did receive a phone call back from one of their departments and they told me there is nothing I can do about it. 

I never signed anything for them to do a hard inquiry and was lied to. This is a deceptive business practice. I would have never opened an account with BB & T if I knew there was a hard inquiry. They knew this as i made it very clear by asking multiple times if I would get a hard hit on my credit report. And I was lied to. 

I want this unauthorized inquiry removed from my credit report. 

I also would like to see BB & T issue a training memo to anyone employee that can open a checking account that requires them to inform customers that a hard credit inquiry will happen if this type of account is opened. And a disclosure form should be given to the customer explaining what this means. 

My ultimate goal is for BB & T to admit they were wrong and I was lied to. Take responsibility and remove my hard credit inquiry from my Credit reports.

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 2018-06-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have inquiries on my credit report that are not mine, I know that there was a data breach and my personal information was compromised. I have a whole list of inquires that were made by an unknown source. These inquires were not made by me. I am a victim and it has truly hurt my credit score. 

I have provided the list of inquiries that were not mad by me. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This entire year of XX/XX/XXXX I been contracting XXXX XXXX in XXXX. trying to settle my account, so on XX/XX/XXXX I called the bank to pay the balance, and they informed me they can not take my payment and have nothing to do with this account, keep in mind they are reporting information to the credit reporting agencies. So they inform me it was sold to XXXX XXXX in XXXX, I have write both companies in XX/XX/XXXXabout settling my account I waited 37 days with no response from never, that is why I made a call on XX/XX/XXXX. Ok back to the call I ask the person on the call if I pay the collection agency which is not reporting to the credit report agency who is supports to change my pay statue to paid from collections, she replied with dispute it with the credit agencies. My question is how am I going to dispute a company which is not reporting on my account when the bank is but has nothing to do with the account. What I see happening is I pay the collection company and the bank still reports the account as in collection.

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 2018-06-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been a victim of fraud and a data breach. I have inquiries on my credit report that were not made by me. I did not apply for credit from any of these companies listed below. 

XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 2018-06-11 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:
My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked Transunion and XXXX  to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.

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