vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Sent 2 XXXX transactions from my XXXX exchange to XXXX Account. First was for XXXX and the second for XXXX. Sending the first transaction I forgot to put a memo tag on it and sent it not knowing that if theres no memo tag the funds will be sent to XXXX not directly to your XXXX account. second transaction was fine as I was able to put in my tag and recieved it without errors. I contacted support and was told that theres a 4-5 days then they will get back to me but that never happened. This transaction occured XX/XX/2021. Its already XX/XX/XXXX and not a single response or email from them have I recieved. All I want is for the funds to be put on my account.This is so much stress giving me as I am facing financial issues on my own, and XXXX has made it alot worst. I do have a Case number from them as I reported this issue to them everyday asking them for an update. They refuse to contact me or reply to all of my tickets, even contacted them via social media platforms. But an automated bot only response to the issue. case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In 2016 an ex-spouse unwillingly opened an XXXX account in my name. I paid the account off in full. I disputed with XXXX 5 times. XXXX and XXXX XXXX are being dishonest and reporting it as an open account thats been paid off in full through XXXX XXXX XXXX. Id like for this to be resolved properly and respectfully. XXXX are using dishonest tactics as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX  IS REFUSING TO EXCEPT ANY PROOF OF POLICE REPORTS AND COURT DOCUMENTS AND MEDICAL RECORDS SHOWING THAT XXXX XXXX AND DISCOVER CARD ARE FRAUD ACCOUNTS! THEY HAVE VERIFIED ALL DOCUMENTS AND STILL WANTS BLOCK THOSE ACCOUNTS AND DISCOVER CARD WAS SUED IN XXXX COUNTY COURTS AND NEVER SHOWED UP FOR COURT AND BOTH LEGAL TEAM FOR DISCOVER WERE SERVED. IM A RETIRED XXXX XXXX  AND THEY CLEARLY DONT CARE AND REFUSING TO SHOW PROOF OF THE FRAUD RECORDS BUT THEY KEEO SAYING ITS MY ACCOUNT! XXXX SPECIAL HANDLING DEPARTMENT GIVES DISCOVER EXTRA TIME TO RESPOND AND NEVER SHOW PROOF TO ME THE CONSUMER WHO IS BEING DONE WRONG. THEY ARE CLEARLY ARENT GOING BY THE FAIR CREDIT ACT. NEXT STEP IS FILING SUIT AGAINST XXXX JUST LIKE I WON AGAINST DISCOVER CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 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: AZ

Complaint narrative:
In XXXX las year paypal limited my account. 
they ask me for document but when i try to send the info, they just close my account. 
they told me i have to wait 180 days for get access to my money but after they send me the email my money is avalible, i never can get access to my funds. 
i try to call and they just said wait for another email. 
more than 180 days and paypal still hold my money that is not good. 
your agreement said just 180 days no more. 

Paypal im really tire to hear said, fraud activity, suspisius activity or dispute, Please dont said that becouse my account do not have any of those thing associate. 

I want you tell me if when i can withdraw my money becouse, im really tired of wait. 

Paypal just gave me my money please. 
I know you dont want me use your services anymore but gave me my money, that all that i want. 
my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: IL

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$660.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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

Complaint narrative:
PayPal is closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I asked for method of verification for an invalid collection account reporting to my account. They did not give me a method of verification within 30 days of this request.

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 2021-05-16 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: OH

Complaint narrative:
i opened my paypal account and them i received my direct deposit. 
after that paypal put a temporaly limitation in my account and ask me for my document. 
my account was verify with my personal information and i did not have any fraud transaction or chargeback. 
i only receive my XXXX dollar and i couldnt have access to use my money. 
I try to resolve the problem with the company but nothing is work right now. 

i wish paypal tell me when they are help me to get my money fron my account. 
i need my money. 

my email addres is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NJ

Complaint narrative:
I even waited there ridiculous 180 days. First a 180 days pasted a month ago as of the time Im writing this. No one even told me I called them. They advised me the 180 days was not even needed anymore and there back office will review it. I was done so I said I want my money now PayPal said sue them unbelievable. 
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal I dont ever wan na work with them again but I want my money and done. XXXX is my email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: EdFinancial Services
State: VA

Complaint narrative:
I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XX/XX/2021 that I did not file and they are up to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of XXXX that I did not file and they are up to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of 2021 that I did not file and they are up to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: LA

Complaint narrative:
On XX/XX/XXXX, a collections letter was received from Viking Client Services alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, VCS Acct # XXXX, creditor listed as XXXXXXXX XXXX with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over 8 years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/XXXX, a collections letter was received from XXXX XXXX XXXX alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, XXXX Acct # XXXX, creditor listed as Hancock-Whitney Bank with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over XXXX years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NV

Complaint narrative:
my case is really important. 
i have my paypal account without any transaction and paypal close without reason. 
why they close my account if i do not have any transaction activity or dispute. 
I mean this is really crazy. 

I think paypal made a mistake with my account. 

i would like paypal fix the problem and their system. 
my email associate with my paypal account is XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I tried to transfer XXXX $ XXXX from my XXXX wallet to my XXXX wallet. In order to send $ XXXX, you must enter a valid $ XXXX crypto address and a valid $ XXXX Memo ID. Unless you successfully enter both of these numbers, and XXXX validates both of them, then XXXX will not allow the transaction to go through. As in, the Withdrawal Button will not turn blue and allow you to click on it until you first enter both of these numbers and receive messages in green stating the numbers are valid. 

However, the transaction was somehow processed with a missing memo, thereby never made it to my XXXX wallet. I spoke with XXXX multiple times, & they advised me there's nothing they could do on their end, at least not for 30 days. I have tried contacting XXXX for over 2 weeks now and have not received a single response!!! 

This transaction is worth over {$2000.00} and is too much for me to lose access to. I can not believe XXXX won't even return a single message when they are supposed to be a trusted, publicly traded company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
You guys all set me up with being pre-qualified just to turn me down what you guys don't see is my new history where I never missed a payment on my car loan where I paid off a whole car that was financed you guys don't look at the whole picture you just set me up to think I'm pre-qualified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Retail Store stated XXXX XXXX XXXX was offering a " FREE PHONE '' with opening a line of new service.. Consumer did in good faith purchase such a service, received the " FREE PHONE ''. When at home, The XXXX XXXX XXXX Retail Store 's receipt, stated the phone brand and $ XXXX! 

Consumer went back to XXXX XXXX XXXX Retail store & returned this illegal " FREE PHONE ''. 
if I was going to be charged for a " FREE PHONE '' then I will get a phone I wanted. 

This XXXX XXXX XXXX Retail Store sold me a different model of the XXXX XXXX. Took that back ; until I received what I wanted. The Sales Tax during these exchanges ( approximately $ XXXX ) was NOT RETURNED to Consumer. 

Consumer Filed the 1st FCC Informal Consumer Complaint- was later part of 2019. Other FCC Complaints followed- FCC determined Discussion was finished and prepare for FCC Court , in Washington DC . ( This Consumer is XXXX ; low income based upon XXXX  Benefits. ) However, people can request Court permission to represent themselves as a " prose '' via wire and mail. 

I just realized the XXXX XXXX XXXX Office of the President did not follow through with XXXX XXXX XXXX 's promise statements from XXXX Credit Damages continually add up. 

Please Excuse me for not obeying the 2nd stated CFPB Restriction about personal information ; due to extensive rework to documents, that are included in the following Attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IN

Complaint narrative:
I have a decently large amount of cryptocurrency that Binance.US will not let me sell, withdraw, or trade. They claim its because a returned ACH but I have covered that owed balance plus more. They ignored everything I said about paying that balance in their response email and brushed me to the side. I haven't been able to access MY money on binance because of this since XX/XX/XXXX. My support ticket for their site is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ID Analytics, Inc.

Complaint narrative:
I went to the XXXX  used car lot in XXXX Louisiana. It's been a while since I had. Like less than 2 years. I DIDN'T get a car not loan. It's has me as having a loan for a car an neither of them I was informed about. I'm trying to get a place to live and my credit is the reason to why I can't get a roof. I have a XXXX year old XXXX. Help me with the process of getting us a place to live. Please and thank you.. 
2020. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NJ

Complaint narrative:
Noticed an accounts on my report that is not mine XXXX XXXX XXXX

Company response to consumer: Closed with explanation