vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I made a test bank transfer of XXXX euro from my bank to my new coinbase account on XX/XX/XXXX, i made a mistake of entering the reference number as btc instead of my XXXX digit coinbase reference, my bank say coinbase have received the funds on XX/XX/XXXX, i assume this is why it hasnt showed in my coinbase account, i accept I made a mistake but my money has disappeared and coinbase have n't made any attempt to rectify this and wont respond to my many attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX, XXXX {$260.00} This is not 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 explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''. 

The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}. 

It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address. 

About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX. 

Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE 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 explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been trying to get involved with cryptocurrency, so I checked out a popular app called Coinbase. I wanted to just start off very slow so I put in XXXX XXXX and waited about a couple weeks and tried to withdraw it. They say it usually takes about 3-5 business days for it to go through but I have now been waiting since XX/XX/XXXX since it 's been " pending ''. It is now XX/XX/XXXX and the only email replies I get are from bots saying the same thing. I am getting zero help at all from this company and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I contacted TransUnion for the third time and requested they dispute and investigate items on my credit report such as hard inquiries that are inaccurate and I didnt authorize. They refused to investigate my dispute. I spoke with XXXX and she refused to transfer me to a supervisor. She stated that shes the supervisor and shes not investigating the inaccurate and unverified information on my credit report and I want those inquiries deleted immediately. This is in violation of the Fair Credit Reporting Act and I am aware of my rights. 

I would like the following inquiries to be removed as they wasnt verified and I didnt authorize these inquiries. These are not mine : - XXXX XXXX XXXX XXXX na - XXXX - XXXX XXXX XXXX XXXX - XXXX via XXXX - XXXX XXXX XXXX - XXXX XXXX local via XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX My next step will be litigation. If this isnt corrected.

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 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Property was purchased in XX/XX/XXXX for {$230000.00}. Assessment value of {$230000.00} at time of purchase. Loan was for a 30-year fixed at 95 %. Accelerated payments were made to the loan to achieve over 20 % accelerated equity in just over 1 year. 

The loan states it will remove the monthly PMI on XX/XX/XXXX unless the " the principal balance actually reaches 80 % of the original value of the property '' and four conditions are satisfied : I feel the bank and I agree that first 3 points are met, the four data point : " we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. '' I kept asking why is the bank requesting a BPO or assessment and they have not been able to respond to this question after multiple requests. The bank responded with it is required per the contract. However, it is not required, it is " if requested '' It has only been about a year. Why is it requested? The XXXX XXXX market is increasing as a whole and multiple documented sources provided. 

After 6 unsuccessful emails back and forth where the bank providing the exact same document I provided on my initial request to them. ( I kept asking " why '' is it being requested when it has only been a year ) I conceded and agreed to paying {$100.00} to {$300.00} ( the bank states its somewhere in that range ) for a BPO assessment. 

The result of the BPO stated the house decreased in value from $ XXXX to $ XXXX. The BPO failed to use the same floor plan that sold on the same street for $ XXXX and has a smaller yard, only 2 car garage instead of 3, and less upgrades inside. Also, there is a similar house that just sold two doors down for $ XXXX with a slightly larger lot but significant electrical issues. 

Please assist with removing the PMI. We need our loan balance needs to be below {$180000.00} and the current balance is at {$180000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!

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 2018-01-24 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: LA

Complaint narrative:
I received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize it.

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 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: NM

Complaint narrative:
I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The equifax breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that Equifax and XXXX and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: NM

Complaint narrative:
I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and XXXX and Experian are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do 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 2018-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I always make all of my payments for all of my credit cards on time. I was making a payment for {$670.00} for my capital one card around XX/XX/XXXX and the payment went thru and said confirmed as if the payment was good. I did n't realize at the time I used the wrong payment method to pay for my card. Once it went I did not realize it was the wrong method of payment once Capital One reversed the payment I made they marked me as a late payment because it did not go through and marked it as Delinquent. Once I realized it was late and delinquent I immediately made a payment and called to talk to someone at Capital One about the problem and I was told there is nothing I can do to have the Delinquency taken off even after a continuous four months of me continuing to pay on time. It is my first late payment, and it would n't have been late had I known I used the wrong method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have had accounts opened in my name with banks. One of these accounts is with Bank of the West. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

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 2018-01-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
The initial charge of {$99.00} was on XX/XX/XXXX. CITI took out this amount after I lodged dispute, and sneaked it back in on XX/XX/XXXX without notifying us. CITI told me when I complained that it is not over, it is still in pending, therefore, I sent CITI more document to prove my returning of all XXXX purchase. 

Citi no longer has a three party talk in place for a very bad reason. CITI finally said that they had to pay XXXX. When I called XXXX, not only she assured me that XXXX had not received {$99.00} from CITI, but also my XXXX account supported her statement. 

I have no doubt that CITI kept this money, considering CITI has never denied my accusation and there were few indications before as to how this would turn out. 

Most of all, CITI abolished a three party talk in resolution process.

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 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I send money to my Coinbase account I am waiting for wire transfers dated XXXX XXXX XXXX 2018 over 1000 It has been over two entire weeks since the first request and I have not received anything. I tried all Mail adresses for support available.Even the phone number is not working. Not even one anwser. I opened 3 cases on the company site and explained my situation. Also no anwser.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Capital One did a hard inquiry on my credit report. I did not apply for a credit card nor authorize Capital One to make an inquiry on my credit report. I found out about the inquiry through XXXX XXXX, who sent me an email. 

Two days later, I received an email again from XXXX XXXX stating that there were more hard inquiries on my credit report. These were from department stores Kohl's/Capital One, XXXX XXXX/XXXX XXXX and XXXX XXXX/XXXX. Again, I did not apply for any credit cards nor authorize any of these department stores to run my credit. 

On XX/XX/XXXX, I called Capital One to inform them and also filed a dispute. Per XXXX, the person I spoke to, there was no card issued. I was also able to contact XXXX XXXX/XXXX XXXX and informed them of the ID theft and filed a dispute. Per XXXX, there was no card issued. 
I also contacted Kohl's/Capital One in the next few days and XXXX XXXX/XXXX on XX/XX/XXXX. 

In the next few days, I received credit cards in the mail from Kohl 's and XXXX. I called them again to let them know that I did not apply for any credit cards and I already filed a dispute and ID theft complaint. I cut the cards because I did not apply for any of those. I was told that there are no charges on the cards and I am not responsible for any charges ( if there would be any in the future ) associated with those cards. 

I am currently waiting for the outcome from all the investigation from these 4 banks/credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$920.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports/ also I paid the reletting fee to move from the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had accounts opened in my name with banks. One of these accounts is with BBVA Compass. I called them several times last XX/XX/XXXXto notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of IDENTITY THEFT. On XX/XX/XXXX I filed a Identity theft report regarding FRAUDULENT information on my credit report. I alerted each credit bureau by facsimile by sending a copy of the FTC identity theft report on XX/XX/XXXX. Each credit bureau immediately placed a extended fraud alert on to my credit file including EXPERIAN. XXXX  and XXXX immediately removed the fraudulent information that was listed on the Identity theft report from my credit file. Experian on the other hand still has these FRAUDULENT Credit inquiries and a FRAUDULENT address listed on my credit file. Even after I faxed the Identity theft report for a 2nd time on XX/XX/XXXX. EXPERIAN for a second time on XX/XX/XXXX. They have constantly ignored my request to have those FRAUDULENT credit inquiries and address removed from my credit file.

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 2018-01-24 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: First Data Corporation
State: CA

Complaint narrative:
I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirkland Financial LLC
State: FL

Complaint narrative:
Third party company brought an alleged debt from another state dated 2012.

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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.

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