vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Financial organization : CoinBase Through Coinbase exchange I purchased a Bitcoin from coinbase in fractions over time. When I had XXXX Bitcoin I put that bitcoin in Coinbase Vault for safety. While creating the safe I was told that it will take 2 days for a withdrawal ifwhen needed and involves approval from 2 parties ( primary and secondary ). Approval is gained by sending the email to both parties. Once the parties approve the email the extraction process starts and finishes in 2 days. 

When i actually tired withdrawing my Bitcoin the verification email did n't come to the registered secondary approver 'S email ( of my husband ) and hence the process did n't even start. All other emails from Coinbase arrive just fine ; Only the vault approval emails are not received. I 've tried all the steps suggested by their chat bot but it did n't resolve the issue. 

Tried this process many a times but I get the email for approval but the secondary approver does n't. Email address is correct as all other emails from coinbase come to both addresses just fine. 

I 've filed numerous ( 3-4 ) complains starting XXXX XXXX to coinbase and every time I get the acknowledgement of the complain but no action is done. I 've also wasted many hours on phone at their support line but never got to talk to actual person. 

My husband did some research and learnt that they time to time blacklist email accounts and hence the emails are never delivered. 
XXXX XXXX : He filed a few request to fix the email issue but to no avail. After filing the complain all we get is an acknowledgement and some pre-canned text to try self-help steps. Tried all, none worked. 


Initially it was frustrating but now it 's getting depressing to not able to withdraw my on funds. Coinbase charges a very high fee ( highest among all exchanges ) to give services but is worst in customer service. To me it costed hundreds of dollars in fee alone. 
You will find numerous Coinbase related issues on XXXX and other forums. 

I truly regret going to Coinbase. 

Kindly help me to resolve my issues. Once my issue is resolved I 'll close my coinbase account. 

I 'll be happy to provide any more information as needed.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: WA

Complaint narrative:
On XX/XX/2017, I executed a wire transfer deposit from my bank account at XXXX to Coinbase, Inc. in the amount of {$50000.00}. Coinbase states " Bank wires often arrive the same business day if sent before the cut off time for your bank, otherwise they will arrive the following business day. '' I still have n't received the money in the Coinbase account. 

After numerous attempts to engage their web-based support portal, all I got was a few automated or completely meaningless responses with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX I received a notice from my XXXX account saying that DIVERSIFIED CONSULTANTS was seeking {$180.00} in collections. I have never heard of this company before, and I never received any notices about this debt until XX/XX/XXXX. this has to be either identity theft or they have me confused with someone else 's account. 
Or this may be in regards to another dispute I filed on XX/XX/XXXX regarding my identity being stolen and used to create a T.V. account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They responded by removing the negative mark on my credit score, and by removing the debt I " supposedly '' owed because it was a result of identity debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer from some money I had in " My Vault '' in Coinbase into my  Coinbase wallet. There is a 48 hour waiting period for such a transfer but I had noticed the transaction remained pending 4 days later. Therefore I emailed them on the XX/XX/XXXX wondering why this resolution has not been fixed. 

I got a response from a bot from the inquiry that was not satisfactory. I then emailed them on the XX/XX/XXXX and again on the XX/XX/XXXX. To no avail, I have not received a response still. I canceled this transfer and initiated the same transfer on the XX/XX/XXXX. It is currently XX/XX/XXXX and again more than 48 hours have gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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 requested two SEPA Euro withdrawals from Coinbase/XXXX on XX/XX/XXXX and XX/XX/XXXX for  the amounts of XXXX Euros on XXXX and XXXX Euros on the XXXX. 

SEPA tranfers should normally tak 1-2 business days but I am still waiting for the money to credit my XXXX account. I have sent countless support reuqests to XXXX and Coinbase ( they are the same company but XXXX is their more 'professional ' exchange and Coinbase is their simple front end interface ) I have nothing back from their support function apart from auto response emails. I believe this problem is wide spread as there are lots of Coinbase/XXXX customers saying similar things. The interesting this is the higher withdrawal amounts do n't seem to get processed. I have made SEPA transfer from Coinbase after the XXXX for smaller amounts which have been processed ... But the two larger payments made on the XXXX and XXXX have not been processed. So it seems Coinbase/XXXX are deliberately hanging on to the larger deposits ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
Never received my sign up bonus for my First National Bank of Omaha Travel Elite card. 
Contacted company but never received the account bonus.

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Over a month ago ( XXXX XXXX XXXX ) I was signed out of my CoinBase app on my XXXX. Im not sure why the CoinBase app randomly signed me out. When attempting to sign back in I was prompted for a two factor authentication. The app proceeded to text me a code I was supposed to enter in order to sign in. Unfortunately, I no longer have access to the phone number listed with my account, so I could not recieve the texted code. I proceeded to the account recovery option on the code entry page that you could select if you were unable to recieve a one time code. I was prompted to change my phone number with my account, but needed to enter in my previous number in order to change it. The previous number listed on my account is a temporary number, and I dont remember what that number is. I therefore cant change the phone number on my account to my current number. 

I proceeded to email CoinBase support on the same day. I received an automated response directing me to some FAQs on their website. Below the email in very small text that I only noticed about 5 data later it said I could respond to that email if I needed further assistance and that only if I responded to the email that theyd be in touch as soon as possible. 

Ive now waited over a month since my original email on XXXX XXXX ( today is XXXX XXXX ) and have yet to recieve a response. Ive responded to the automated email 3 times and DMd the CoinBase support XXXX account, to no avail. Im extremely frusturated because Im locked out of my account and have not received any response or assistance regaining access to my account and funds in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: GA

Complaint narrative:
XX/XX/XXXX- XX/XX/XXXX I have notified original creditors and collection agencies regarding my Identity Theft and have not been able to get items blocked or requested validation of debt from original creditors as something with my signature ; all companies involved was provided with my Driver 's license and Social Security Card which they updated the information to my current address and said the account was valid even though I supplied a police report and Identity Theft report. 

XX/XX/XXXX -Experian refused to block the Identified accounts on several request and in stead placed a statement ( Account Information disputed by consumer ( Meets requirement of Fair Credit Reporting ACT ) with no deletion or verification from the company as requested even though the accounts are from the Identity Theft ; Experian did not investigate nor request documents from the creditor only says its valid.

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 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MO

Complaint narrative:
i checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. (  XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX. 
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team. 
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
Since XXXX I have been trying to work with this company on removing and verifying my Identity and signature as I never had any goods or service from them and the account or service provided was due to Identity Theft. I provided the company with a copy of the Police report, Identity Theft report, My Driver 's License and Social Security Card as they request only for the company to update the information with my current information provided to them as they did n't originally have this information but sent a response back to the credit bureau as being a valid account and added additional charges to the outstanding fraudulent balance. Updated Credit Report with ( Acct INFO Disputed by Consumer : Placed For Collection ) Even though they have the Police Report, Identity theft Report and an valid Id Showing my address for the last 6 years along with a company of my social security card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Company refused Police Report and Identity Theft Report on several occasion dating back to XXXX to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.

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 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DriveTime
State: GA

Complaint narrative:
Company refused Police Report and Identity Theft Report on several occasion dating back to XX/2016 to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I am enrolled in automatic monthly withdrawal with XXXX XXXX. Several months per year XXXX XXXX schedules payments on a weekend or a Sunday. As a result, even though I am enrolled in automatic withdrawal and the funds are available it take more than 3-4 days to process the automatic withdrawal and I start getting notifications that my account is falsely pass due. This is a sloppy and unethical business practice. XXXX XXXX needs to use best practices and act ethically as an organization. Receiving late notices when I am enrolled in automatic withdrawal is disrespectful, false, and XXXX should be held accountable for these misrepresentations. Also, 30 days for a response through XXXX 's website on any matter is not customer service and shows either understaffing or lack of concern with borrower 's concerns and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: MO

Complaint narrative:
Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: MO

Complaint narrative:
XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I was using coinbase/XXXX since XX/XX/XXXX for automatic trading. Due to a bug in my software I violated their terms of use by sending too many requests to their API.  Unfortunately I overlooked a warning they sent me, so my XXXX account got locked and my coinbase account restricted on On XX/XX/XXXX to withdraws only. My XXXX  account had ~2500 on it when this happend ( which I am locked out of ). I responded immediately via mail and asked them to unlock my XXXX funds or even activate me for API usage again stating that I fixed my bug. 

I called them on XX/XX/XXXX. The service agent told me, he could not do anything for me and that he escalated my ticket to a specialist. After I did not get any response, I asked for an update on my ticket on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX via email. I also tried to contact the coinbase staff on XXXX. There has not been any response and I still have no access to my assets on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX I sent XXXX BTC ( A little over {$2000.00} value at the time/ $ XXXX+ today ) from my XXXX wallet to my Coinbase account. I noticed the transaction had gotten many confirmations so after a few hours I noticed that this money did n't show up in my Coinbase account so I got a little paranoid. 

I then emailed Coinbase on XX/XX/XXXX and they sent me back a scripted email back with some links to try and follow to track down my money. I told them that the links did n't satisfy what I was trying to accomplish and I never got an email back from them. 

Since these links did n't help me very much I continued to email then on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX without anymore information from them except for the same scripted email in reply to my XX/XX/XXXX message to them. 

I then reached out on XX/XX/XXXX to XXXX on XXXX and he never answered me. I provided him with all of the information that would be needed but unfortunately I never got a single reply. 

I have yet to see any information on whether the money is going to be sent to my Coinbase account or if I will be refunded the money in some way but this is inexcusable. Thank you very much for listening to me and I hope you have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
XXXX XXXX continues to attempt to collect a debt in the amount of {$73.00} that was a result of identity theft. I disputed with them and the credit bureaus. sent both the collection agency and bureaus a formal request and the police report asking that the item be removed from my credit reports. It was deleted but recently readded without notice and caused me to be denied for credit. I have suffered damages because of this and asking you to assist in properly addressing the matter and resolving it immediately. This is a violation of the FDCPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
on XXXX XXXX I rented an apartment from XXXX XXXX in XXXX Ga. I initially paid six months upfront and every month I was never late. I stayed there from XXXX XXXX to XXXX XXXX. In months prior to me moving out I have made and requested several request for them to get an exterminator to come because my apartment was having pest problems due to surrounding neighbors such as ; bed bugs and roaches and no given point did they ever send anyone to help me in which I had to pay out of pocket at which I was paying an added amount with my rent for extermination. I called again requesting that they send someone due to the continuous leaking problem that was coming from the upstairs unit. they fixed the leakage but never the water damage that occurred to the carpet, doors and walls. at this point my living condition was in humane in which I decided to move out. a letter was sent to my door in XXXX advising that my lease was up for renewal in XXXX, I wrote a letter and gave I to them advising that I will not be renewing my lease and I will be leaving out on XXXX the XXXX in which I did. after a month they sent me a letter that I owed them nearly {$3000.00} in which is not correct. I paid them their money for XXXX and I do not owe them anything.

Company response to consumer: Closed with explanation