vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I sold my Bitcoins on Coinbase.com to my Coinbase XXXX. Then i started a withdrawal to my private Bank account. I did this several times before. Everytime it worked. But that time it did not work. i started the withdrawal on XXXX. It says the money is on my bank account on XXXX. Still now the withdrawal is pending. But the money is not on my bank account and the money is not on my coinbase account. i wrote several emails. i waited days now. but they dont do anything. 

I already called different managers of my bank in XXXX, but the money did not arrive till now. In my Coinbase account the status of the withdrawal is " pending ''. So Coinbase stole my money and dont answer my Emails. 

Please help me to get MY money back. 

Thank you very much. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: FL

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting to your credit report.+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Sales FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX

+Automobile Dealers, OldXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXXInquiry from XX/XX/XXXX+Telephone CompaniesXXXXInquiry from XX/XX/XXXX+Miscellaneous UtilitiesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. Agencies

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 2017-08-24 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: FL

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting to your credit report. 


+ All Banks XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX/XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXXl XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Sales Financing XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX, XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: SC

Complaint narrative:
Date is XX/XX/2011 for an XXXX, contacted XXXX XXXX was referred back to Choice Recovery sent letter the bill was payed under the free clinic was told they could not accept that cause it did not say XXXX .I asked how I could speak to someone at XXXX XXXX they say they ca n't release there client information. Have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX which refers you to the choice recovery then the number for choice recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
My loan servicer is FedLoan Servicing and I am enrolled in the Public Service Loan Forgiveness ( PSLF ) Plan. My qualifying employment has been certified with FedLoan since XXXX of XXXX. In XXXX XXXX, I received a re-certification from FedLoan Servicing that showed the number of qualifying payments I have made. This number did not match the number I have made since the beginning of my qualifying employment, nor did it show the actual beginning date that I was first certified by FedLoan Servicing as having qualifying employment under the PSLF Plan. 

I contacted FedLoan for an explanation and they told me that they would send me a document detailing each payment I have made since the beginning of my qualifying employment, whether or not it qualified under the PSLF Plan and why or why not. I have not received that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX, one of my service providers withdrew an unauthorized amount from my checking account in the amount of {$210.00}. Once I notified XXXX, they told me I would need to contact my financial institution to get my funds returned to my account. They also claimed that they did not withdraw the funds from my account, but Huntington just sent them the funds. The Huntington dispute ID is XXXX. The Consumer Financial Protection Bureau notified Huntington Bank regarding my complaint and the bank Escalation Department contacted me and refunded the money. However, for some reason, the bank followed a " dispute procedure '' and stated that I needed to provide supporting documentation showing that I paid this merchant some other way. I once again explained to Huntington, that there should not have been funds pulled from my account period, this was an unauthorized transaction and XXXX happened to have one of my debit/credit account numbers on file. ( I have since closed this card ). 
The bank representative updated notes stating that no further documentation was needed since this was simply " unauthorized charges '' and was " not '' for services rendered. I now have another issue regarding this matter, Huntington made yet another error and pulled the funds from my account in XX/XX/XXXX! They pulled {$100.00} & another {$37.00} fee claiming they did not receive the supporting documentation showing I paid XXXX another method. On XX/XX/XXXX, I spoke to a supervisor who stated that I needed to call back at XXXX XXXX. so the matter would be escalated to their " Dispute Department '' who is the only group who can return my funds to me. Additionally, there are additional fees totaling {$250.00} that Huntington withdrew from my account in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I want credited back to my account immediately. Once all fees have been returned to my account, I plan to close my account and end our relationship with this financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-24 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {$3000.00} through XXXX. I informed the credit card that I did not authorize these charges. 

They took care of one charge but the other one they are claiming I authorized through XXXX. 

I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX. 

Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this " proof ''. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called " proof '' all I got was " error ''. 

The Credit Card Company is USAA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XX/XX/XXXX and the second was XX/XX/XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.

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 2017-08-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XXXX XXXX and the second was XXXX XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.

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 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a checking account with Citibank, NA in late XXXX or early XXXX because of a promotion promising XXXX Citi Thank You Reward points, which I received in early XXXX. 

Yesterday, I got an email from Citibank informing me that my checking account was overdrawn by {$380.00}. Upon investigation, I learned that they had : 1. Retroactively decided I was n't eligible for the points ( not sure why ), 2. Valued, the points at {$500.00}, and 3. Unilaterally, and without notice, debited my bank account {$500.00}, placing it in overdraft. 

Here is a direct quote from today 's chat : XXXX, XXXX XXXX XXXX : Upon checking, our Back office were able to determined that the account is not eligible for the Thankyou points or the promotion. And XXXX Thank you points are equivalent to {$500.00}. That is why {$500.00} was debited to 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 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Called NFCU with Financial Counselor from XXXX XXXX XXXX XXXX, XXXX XXXX. NFCU was able to locate the debt and I was ready to make a payment settlement. However, NFCU would not allow me access to the collection debt without giving a telephone password. I am currently in basic training at XXXX and I did not know the secret password however I was able to give all identifiable information, but NFCU would not allow me to make a payment towards the debt without knowing the telephone password. NFCU stated that I would have to mail them a letter requesting the removal of the requirement of the telephone password. I am currently in basic training and unable to break away from training to fax a request or mail a request for NFCU. I was ready to make a debt settlement payment but NFCU refused to take any payment until the password requirement was removed. I do n't remember the password and I am unable to break away from basic training because of duty requirements. NFCU has the debt and has complete access to the debt but will not allow me to pay towards the debt even though I can give any and all personally identifiable information over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, unauthorized charges at XXXX appeared on my checking account at JPMorgan Chase. The amounts were for XXXX, XXXX and XXXX. I immediately disputed the charges. My account was closed and the claim was submitted. On XX/XX/XXXX, Chase sent me an electronic letter informing me that the charges were denied and I would be responsible for the all the charges. They told me that since a debit card was used and a pin was entered, that I did not protect my card and that I was responsible for all the charges. My account is now overdrawn, closed and I am in the negative for nearly 1k of charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
I regularly check my credit report, and i found this unknown account in collection. The company 's name is ASSETCARE LLC. The credit report says the original creditor was XXXX XXXX XXXX XXXX. I tried to contact the company, however, everytime i call the machine says its after hours so i have not been able to speak with anyone from the company. I am in the military, so I dont go to regular hospitals and i have not visited a hospital in years. The report says the account was placed in collections on XX/XX/XXXX. I filed a dispute with XXXX, and they replied back saying they updated my information, however, the copy of my credit report i was able to acces through their reply still has this account in collection. I called XXXX, and they said they will do another investigation. I am submitting this complain because I can not get in contact with this company, and i think its some kind of scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding, LLC failed to contact me in writing prior to reporting debt collection to the three credit bureaus. I contacted the company in writing letting them know not to report to the credit agencies because the alleged debt is in dispute. Also, Midland Funding, LLC has yet to verify the debt and provide the information that I requested about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with Equifax, XXXX, and XXXX. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX. 

Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX  XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Equifax has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX XXXX has deleted no inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!

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 2017-08-24 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I  Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!

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