vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I would like to report a complaint related to the Coinbase ( Coinbase XXXX  , Inc. ) cryptocurrency exchange platform. They refuse to refund my crypto funds. I faced a problem of accidental transferring my XXXX  crypto funds from the Coinbase Wallet directly to XXXX  address in Coinbase Exchange and my money got stuck/was lost ( not showing in my portfolio balance ).

The thing is, - I successfully sold my NFT item on XXXX XXXX and the money showed up in my account ( Coinbase Wallet ) as XXXX instead of XXXX  so I assumed they were interchangeable. 

At the beginning, I didn't even assume that the cryptocurrencies must be manually converted and XXXX/ETH are completely different cryptocurrencies and it's possible to wrap XXXX from XXXX ... It was all new to me ... 

I used only their Coinbase-related services ( Wallet and Exchange ) and transaction hash shows that it is successful, providing the link below : XXXX XXXX XXXX If you check my XXXX ( to which I transferred my lost XXXX  funds ) using XXXX  link above, - you can clearly see that it actually holds my money.

This means that they have not disappeared and are actually stored in this XXXX XXXX that is controlled/owned by Coinbase.

But Coinbase tech support keeps telling me that : " Cryptocurrency transactions on the blockchain are irreversible, meaning once they are sent, there is no way to recover funds. ".

However, XXXX  is an ERC20 token so they should be able to access it from the Ethereum wallet address I sent it to. ERC-20 tokens ( XXXX  ) and XXXX  use the same addresses so they can be recovered. The Ethereum chain supports ERC20 tokens.

XXXX XXXX  address is a valid ERC20 address, meaning I can send any ERC20 token to it. The coins I sent would technically be sitting in a wallet that Coinbase controls.

I've already tried to contact them privately and solve my situation through their tickets ( # XXXX  and # XXXX  ) and even using social media such as XXXX : XXXX XXXX XXXX This wouldn't be acceptable for any other financial institution, they hold my funds in a wallet and refusing to return them. 
I'm also ready to pay a fee for a refund from my side. 

I really hope that you will help and support me here. 

Looking forward for your feedback. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX/Comenity Bank continues to charge {$2.00} per month interest on an account that was closed in XX/XX/XXXX. However, I was billed another {$12.00} which I paid in XX/XX/XXXX. 

I have called XXXX XXXX several times relating to this issue. One customer Service Rep hung up on me. They continue to lie interest charges on a closed account.

One Rep state I had made a RECENT purchase. I have made no purchases from them since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 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: CA

Complaint narrative:
I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?

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 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I paid off this company for the entire balance owed on XX/XX/2021. First issue it took them almost a week and a half to post my payment. My available credit limit with this company is {$6000.00}. But I owed - {$5900.00} which was paid in full. Once paid I called and asked why it still showed a balance owed of {$280.00} which was my normal monthly payment up until that point. The first two calls I was told it didnt calculate right and would be removed. The 3rd call told me it was for interest. Which didnt make any sense. I was then told interest wasnt charged at the end of every month for my purchases like normal credit cards it was just added. Something Ive never heard of before and sounded as if they Just wanted more money. I advised I paid my total balance owed and no longer wanted this account due to shady practices and asked them to close it. Went through some disclosures and was advised it would be closed. I also requested that the account be adjusted Bc the balance is not owed. Nothing was done. I called again and requested the account closed and adjusted. Nothing done. I reported to the XXXX  and on each interaction I requested the account closed and is still opened today along with no adjustments. This was over a month and a half ago and is now still open and past due

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 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: MD

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$1100.00} Reason : Identity theft Please remove it from my credit report.

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 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.

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 2021-07-22 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:
The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.

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 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: GA

Complaint narrative:
Im receiving phone calls repeatedly after I told them that they had the wrong number and person. Ive asked them not to call but they will call again. They say at first that the call is being recorded in a attempt to collect a debt. They call from different phone numbers and different states. Im called 4 to 5 times a day. I feel harassed. Im XXXX and have XXXX young boys with XXXX who are XXXX. I have to answer my phone due to communication with medical and state offices. Its gotten so bad Im afraid to answer and triggered my XXXX. They are running up our phone bills and upsetting everyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I began corresponding with XXXX XXXX a manager with National Credit Systems , Inc around XX/XX/2021. This is the time I became aware of a collection on my credit report for an apartment rental in XXXX, TX. The apartment was rented in my name when I lived in XXXX, California. 

I contacted National Credit Systems via telephone and Mr. XXXX returned my call. He emailed me a fraud affidavit to complete and return to him, which I did. On XX/XX/2021 he acknowledged receipt of the completed fraud package. On XX/XX/2021 Mr. XXXX advised me via email that the investigation could take up to 30 days to complete. After receiving another call from National Credit Systems regarding a payment for the debt, I again contacted Mr. XXXX via email asking why his agency was still contacting me for payment. He responded with an email on XX/XX/2021 stating that call was to inform you of the confirmation number for the credit removal. We processed the request for removal please refer to ( AUD # XXXX XXXX as confirmation. 

The collection item was removed from my XXXX  and XXXX  credit report but continues to be reported as accurate on my XXXX  credit report. I have disputed this item three times with XXXX  and every time the dispute has been completed as verified consumer debt. 

I reached out to Mr. XXXX on XX/XX/2021 via email informing him that XXXX  was still reporting this debt on my credit report. He responded on XX/XX/2021 asking for a copy of credit report that still shows the debt. I complied and emailed him a screenshot of the debt listed on my XXXX  report. Mr. XXXX has not responded since that date. I have emailed him several times since requesting an update on removing this item from my XXXX report. 

XXXX  has show no regard for my health and well-being. I have submitted to XXXX  the completed fraud affidavit and the email correspondence from Mr. XXXX but they have three times verified the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P.S.C., Inc
State: WA

Complaint narrative:
Account Name : PUGT SND COL Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$710.00} Reason : Identity theft Please remove it from my credit report.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XXXX XXXX I made an online purchase of an appliance through XXXX XXXX and Kitchen appliance store. Due to Covid they were unable to get this appliance in stock so they issued a refund to me inXX/XX/XXXX. I had since then changed banks and closed my checking account down so they were supposed to send me a check but instead refunded the money to my closed account via PayPal since that is how I had paid for the item. PayPal then tried to refund the money to my closed XXXX checking account and it was automatically rejected and returned to PayPal on XXXX XXXX. The amount is for {$2600.00}. Both companies are now telling me that they do not have the money and there is nothing they can do for me beyond their original researching to tell me they sent it to the other party. 
I was provided a transaction ID from PayPal showing they sent the money to XXXX and XXXX said their system can not accept money on a closed account so they dont have a way to generate ID numbers on an action that wasnt taken. The money never reached my account and showing PayPal my bank statement hasnt been enough to prove them that XXXX isnt still holding on to the money. They will not investigate further till I have proof from XXXX that they do not have the money and XXXX is telling me they dont have any way to prove that. Neither company seems willing to go beyond the basic glance at my account before blaming the other party. 
On XX/XX/XXXX I initiated a conference call myself and had both companies on the phone and theyll by the end of the call XXXX was to do more research and see if they could prove they didnt have the money in a way that would make PayPal happy and PayPal will do nothing till they hear from them. 
I called XXXX again on XXXX and was told they could do nothing for me and to take it up with PayPal, who is also doing nothing to find this money. Im not sure what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened a new checking account with TD bank on XX/XX/XXXX under an online bonus offer to receive {$300.00} after receiving {$2500.00} in direct deposits within 60 days of opening. I've copied and pasted the exact terms and conditions below : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank withinthe preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offeravailable to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit fundsof {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checkingCustomers when opening a TD Convenience Checking account with cumulative direct deposit funds of {$500.00} or more into the newaccount within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension orgovernment benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between yourTD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonuswill be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus ''. 

I previously held a TD account until XX/XX/XXXX, at which time I closed this account. It was 19 months before opening another account, clearly making me eligible for this bonus per the terms. I had several direct deposits into this new account over the first 2 months, accumulating well over {$6000.00} in direct deposits from salary. After 140 days I have yet to receive this bonus and when reaching out to the bank they state since I've had an account before they will not honor this offer, even after pointing out it had been over 12 months since holding a checking account with them. I have completed all required terms and satisfied the stated requirements per their advertised contract, yet they are refusing to honor their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filed two disputes with Transunion regarding a debt with PA Child Support Enforce. I have had a XXXX balance for several month, but they refuse to accurately update my records. They keep saying they verified amount with company after 14 days. How do you verify information as accurate. I would love to know who they talk to XXXX child support because no one answers phone. I have offered to call on three way for them to hear balance information. I have even offer to show other reports from XXXX and XXXX with correct XXXX. This is hurting me on my job who will look at my credit when getting my FINRA attestation on financial. I have disputed this item 2 times and they have not accurately updated. What is point of credit report if they refuse to uphold honor of FCRA laws ... I am attaching both my other two bureaus which accurately reflect balance.

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