vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase illegally withdrew : {$120.00} {$35.00} {$20.00} {$20.00} {$10.00} All within minutes of each transaction taking place on XX/XX/2018. 
Coinbase acknowledged the issue but has yet to refund it nor will they refund any of the 5 overdraft fees of {$23.00} each. 
I've tried contacting them by calling, email, XXXX and XXXX. 
This needs to be a class action suit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: ND

Complaint narrative:
XX/XX/17 I contacted my bank to do a wire transfer to XXXX. 
The amount of {$10000.00} was wired from my bank ,XXXX XXXX XXXX XXXX XXXX , to XXXX 's bank, XXXX XXXX XXXX . XXXX had to get some more info from me before the deposit into XXXX 's account could be made. I supplied the information and the money was transferred. I waited for it to show up on the site in my account. I called after 5 days support had told me they were backed up and that it would be deposited in my account shortly. I have called them 2 to 3 times a week since then having no luck with them. I have emailed and called asking for my money back to no avail. They emailed me usually after each call i made to assure me the matter was being looked into. Its been over 4 months now it feels like a scam. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled my EQUIFAX credit report through their website online XX/XX/XXXX. Then I decided to freeze my account, also done online. The last step in the Freeze process provided a page that " confirmed my transaction was successful, '' and provided a web link to a PDF that contained my Freeze PIN. I clicked on the link as directed and the PDF never loaded. Therefore, I never got my PIN. 

I called the phone number on the confirmation page, and the CSR told me she could mail the PIN to me and I would receive it within 7-10 working days. I requested the PIN immediately, because my EQUIFAX credit is now HELD HOSTAGE by them, and I am unable to manage MY OWN credit account. To make a long story short, over the last two days I've spoken with several EQUIFAX people, XXXX, XXXX, XXXX, XXXX and XXXX. ( Several of these people have foreign accents so thick that I couldn't understand them. ) Every one of them REQUIRES me to provide the last 4 digits of my Social Security number in order for them to help me. I refused to do so, because Social Security numbers are meant to be used ONLY as a vehicle for a person 's account with the Social Security Administration. 

XXXX, the last person I spoke to ( who refused to give me her last name initial, location or department name ). Instead, I wanted her to use the confirmation number on the credit report I pulled. She refused. ( She was at XXXX. ) At this point, I have no expectation that I will ever receive my EQUIFAX Credit Report PIN. The EQUIFAX online credit account Freeze process is misleading and unnecessarily difficult. By the way, I froze my XXXX  and XXXX accounts also on XX/XX/XXXX, with no problem whatsoever. 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Zwicker And Assoc. out of XXXX, Ma are attempting to collect on an account that I defaulted on with XXXX XXXX. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Inquiries should have been removed by now accounts that are paid off & closed out should be removed from my credit

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 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I got an e-mail from American express on XX/XX/XXXX inviting me to apply for XXXX XXXX XXXX credit card and get XXXX XXXX miles welcome bonus if I spend {$1000.00} or more within 3 months. I got the card approved. I activated the card and checked about the bonus. I was told I will not get the promised XXXX mile bonus even if I spend over {$1000.00} within 3 months as I had gotten a similar bonus previously during XX/XX/XXXX. 
I read the e-mail and all conditions for the XXXX mile bonus. No where it says that those people who had previously gotten bonus are not eligible. I talked to American express customer service rep. She said that it is the company policy even if it does not state anywhere to the customer. This means American express knew that I will not get the welcome bonus and still sent me an e-mail promising the XXXX miles bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Contacted Wells Fargo Financial about a joint account that showed up on my credit report. I have never had a joint account and they could not tell me where this item came from. The charge/off of this account by Wells Fargo Financial has had negative impact on my credit rating.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
On XX/XX/XXXX about XXXX I logged into my account to check the balance and was shocked to see that it was XXXX to XXXX dollars less than expected. I immediately went to my transaction history page and noticed a card to card transfer to an XXXX XXXX that occurred on XX/XX/XXXX at XXXX for XXXX , I don't know who this is, so XXXX called the customer service line for XXXX XXXX, and while I was going though the process of getting to a customer service rep, a second transaction for XXXX $ went through, the rep told me about it after confirming my account info that was at XXXX and the time stamp on the second transaction is XXXX, it takes longer than that to get thru the automated system and account verification process. I explained to the rep that I hadn't done that, didn't know this person, and had never even done a card to card transfer before, didn't know how. She transfered me to another rep who handled that type of problem. I went through the whole thing again with this lady she immediately canceled my card, told me to change my password on the account. I explained to her that when I send money I use XXXX XXXX or XXXX XXXX  and had no idea this was even possible. She asked me several questions like did I share my password or have it written down to which I said no not at all. Than she asked me if my phone had got lost or stolen, to which I explained that I had two phones and that as a matter of fact, one had come up missing two days before on XX/XX/XXXX during a move. I went online to find my phone and locked and erased the phone or so I thought. that phone number was XXXX XXXX, My main phone number is XXXX XXXX XXXX and that is the one I use primarily. She told me that she would file the necessary paper work and that I should write a letter of dispute and fax it to her, so that they could credit my account, which I did. My account wasn't credited and Than I received a letter say that they found no error and weren't going to give me my money back. I was the victim of a cyber theft, and they know were that money went it is traceable, so how can they just tell me they aren't going to do anything about this criminal activity. I want this XXXX to pay for stealing my money and I want my money back. You can see in my history no other transaction of this type, you can see where they charged me for a new card and shipping, and were I have used XXXX and XXXX XXXX to send money, cause that is the only way I knew how.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX XXXX  XXXX. out of XXXX, Ma are attempting to collect on an account that I defaulted on with American Express. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery called to say they would accept payment for unknown debt. Said if I gave them my bank info it would be removed from credit agencies. I asked for a statement in the mail. They declined and said they can not send any info. Agent said this was hurting my credit score. After the phone call, I pulled all three credit reporting agencies and there is no such debt due. It was too old to be on my report. Is roughly 10 or more years old. I sent a cease and desist letter via USPS Certified and Return Receipt. Letter was signed for and postcard returned to me. They are STILL calling me. I do not answer and they leave no messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer USA is attempting to collect on a debt that I do not have a contract with their company, they breached their contract when they sold the account, they are attempting to collect a debt that is {$25000.00} which I no longer owe Santander consumer USA, by law they have to remove the fraudulent account! Santander consumer USA is involved in a class action law suit regarding reporting fraudulent charges and accounts on consumers credit reports. If the account is not removed from my credit profile. I will file a lawsuit against Santander consumer USA. I have filed complaint with the Attorneys general office and I have also submitted all documents to my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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:
I opened an account with Coinbase on XX/XX/XXXX. After going through the verification process and getting everything set up. I decided to use the Wire Transfer method to put money into my account. I sent over {$20000.00} dollars from my XXXX XXXX Account. The wire was executed on XX/XX/XXXX. The website had said at the time that it would take 3-5 business days. After about 2 weeks we tried contacting Coinbase support via email support request. We did not get a response until a week after that. Coinbase was little to no help. Every support request we sent was responded to by an automated message stating the same things that were already sent. Since we could not get an answer via email I tried calling in. They were also no help. All they could do for me was check on the support request status and let me know that it was upgrade to the " highest priority ''. Every time I called in they would change the amount of days that it takes them to reply to support request. They told me that I should not reply to their support emails or send new ones in because it would put me to the back of the line for the " specialist '' to get back to me. They told me this for a month and half only to call again on XX/XX/XXXX for them to tell me that their employees were misinformed and that replying to the emails will actually put a note to the top of my request for the specialist to see. No one seems to know whats going on there and I cant get an answer as to where my {$20000.00} is. They cant even tell me if its being sent back to my account due to wire issues. I just want an answer. We have sent multiple support request and have called over a dozen times. The wire was executed on XX/XX/XXXX and it is now XX/XX/XXXX and I have literally gotten no information as to where my money is. That is over 45 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
A. I went to the annual credit report and received either in the format thru mail or online to receive my annual credit report except Trans union. 
B. Transunion then proceeded to send me an application to pay and fill out the form. The free annual report thus was not recognized. 
C. Next I filled out their form an provided my driver 's license, social security form, and a utility page, but was denied a credit report. 
D. Next I put a security freeze on the account and was not provided a code which all the two other major companies had provided but not Transunion. 

What should I do now. I have no code to unlock my credit report nor do I have their free credit report. 
Why hasn't this company been tagged as non-professional and possibly illegal? 
Tank you.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I had a stop loss set on XXXX Crypto currency exchange ( Coinbase ). The exchange executed my stop loss transaction, charged me fees for it, but the prices shown on the exchange were never low enough to trigger the stop loss. 

I have a screen shot to show what I'm talking about, filled out a customer support ticket over a month ago. Case # XXXX. Have not heard anything back from customer support, nor is there any ability to check the status of my claim. Please help me investigate how this trading glitch happened, why I was charged fees for it, and help reclaim my lost money in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. 
The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. 
There have been no problems with this process and I have never missed a payment in 12 years. 
Last year I received my " change of rate notification '' letter in XX/XX/XXXX. 
This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. 
We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. 
My monthly paper statements reflected this rate through XX/XX/XXXX. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. 
In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX  to XXXX due to an alleged " missed '' mortgage payment! 
The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. 
The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. 
While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I received an American Express Delta Skymiles promotion in the mail that offered me XXXX miles if I spend {$1000.00} in 3 months. I signed up for the card online and was approved When I received the card in the mail, the welcome kit mentioned nothing about the promotion I had signed up for and was approved. I called American Express and asked for the details of the promotion and confirmation that I will receive the XXXX miles once I spend the {$1000.00}. The first couple phone calls I was reassured that I will receive the promotion benefits and they would send out a welcome kit saying so, I never received anything in the mail. My final phone call was XX/XX/XXXX when I was told that I won't be receiving the promotion because I had had an American Express card before. Then I was told by the supervisor that the promotion wasn't even from American Express but was from Delta. So now they are just full of excuses to avoid holding up their end of the deal and giving me the promotion. Just to note, This promotion received in the mail was addressed to me and it included my Delta Skymiles number. Whether this was a promotion from American Express or Delta or a joint promotion, someone needs to hold up their end of the deal and do what is right. I expect the promotion offering me XXXX miles once I spend {$1000.00} to be sent to me in writing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is the second time XXXX XXXX XXXX has try to suit me without providing proper documentation why midland is sending me to court.

Company response to consumer: Closed with explanation