vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account with Coinbase.Inc a couples months ago and I have transferred some funds from my XXXX XXXX XXXX. 
Basically, with coinbase account you can log in to XXXX ( Company under coinbase ) and I have done a few transaction with both account. 
On XX/XX/XXXX, I tried to log in to my XXXX account and my account got suspended for no reason, there is a message says " ATTENTION REQUIRED! TRADING FUNCTIONALITY HAS BEEN TEMPORARILY SUSPENDED ON YOUR XXXX ACCOUNT.IN ORDERTO RESTORETRADING FUNCTIONALITY, PLEASE CONTACT XXXXXXXXXXXX ''. So I contacted coinbase support team by sending in a support tickets and they reply me an email says that they have received my request and are working on responding asap. Since that I waited for a few business days and still did not see any response, so I call them on XX/XX/XXXX, the representative says that he did not know what is going on and will escalated my case to their subject experts to resolve this issue, and right after that I received an email says that it will take 4 to 5 days to solve this issuse. Since that I did not hear from them anymore and I tried to contact them by sending support ticket and by calling them, the answer i got was to call back some other time due to high volume of calls. 
I have around 20+ thousand USD in the account. 
They have provided me a case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX XXXX # XXXX In XXXX 2017, XXXX personnel initially translated XXXX reward points into {$470.00}. Surprised me as I expected it to be worth {$790.00}. They then said I could n't credit my account with the points as I owed LESS than {$470.00}. I then traveled and charged my card so as to have a balance in excess of {$470.00}. Upon my return I asked XXXX to credit my account for {$470.00}. The first two people I spoke with ( on XX/XX/17 ) told me I could n't do that because my balance EXCEEDED {$470.00}. I ended up speaking to 5 people that day ( in addition to 3 people before I traveled ) XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. 
Each person calculated a different amount for my rewards.I finally received only {$390.00}. 
This from XXXX points!! THEIR SYSTEM SHOULD BE MORE TRANSPARENT TO XXXX USERS. EVEN THEIR OWN PERSONNEL COULD N'T FIGURE IT OUT. 

I 'd like the difference of {$78.00} ( between the {$470.00} I was promised in XX/XX/XXXX and the {$390.00} I was eventually " rewarded ' ) credited to the balance on my account, which I have since closed. I left a balance of {$78.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was charged off in XXXX. I checked my XXXX credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years 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 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was charged off in XXXX. I checked my XXXX credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was charged off in XXXX. I checked my experian credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years 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 2017-12-31 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a  year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I initially started the mortgage process with XXXX and todays before closing XXXX called me and informed me that they had made mistake, and I needed touring an additional {$28000.00} to closing. I spoke to numerous supervisors within XXXX and no one could explain to me what had gone wrong. All they said was that I needed to get the money. 
we closed in XXXX XXXX, XXXX. And my mortgage payment was {$3000.00} now were in XXXX XXXX and Nationstar is now handling my mortgage. And my mortgage payment has increased to increased to {$4300.00} I contacted Nationstar and there response was that XXXX made an error and they would reach out to XXXX and they would contact me once they gotten answer. However that was my new payment. Im a XXXX veteran with a full time job. Thats an increase of {$1200.00} I simply can not afford that. Nationstar has not called me back. And I 'm in fear of going into complete financial turmoil. 
I would 've never agreed to a mortgage payment of {$4300.00}. 
I paid everything I was supposed to. And i feel like I was deceived or they simply do n't know what their doing and they are not being held accountable for ruining peoples lives. 
XXXX and Nationstar mortgage have all the Truth in lending contracts, closing paperwork, as well as all my personal and financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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:
I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both Trans Union and XXXX show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.

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 2017-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Reference : The disputed item : Account for credit card from XXXX XXXX XXXX Credit card # ending in XXXX. 
XXXX/XXXX Reported on XX/XX/XXXX Dispute Reason : Ownership : I am no longer liable for this account. 

Regarding the above-mentioned account ; this was the cost of a bed that I have ordered from XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX, Ph : XXXX ) for {$600.00}. The merchandiser arranged the payment through XXXX XXXX XXXX ( affiliated to Citibank ). 
I have disputed this charge with the bank from the beginning of this account, since I received the product damaged. Although it is a general rule in all banks, to accept the dispute if the product purchased was received damaged, XXXX XXXX XXXX insisted to suspend the dispute claiming that ; I must resolve the problem with the merchandiser, but promised to freeze the charge without any interest or fees until the case is resolved. I filed a complaint against the merchandiser with the Attorney General, who made his decision in my favor for a full refund of the product according to the Massachusetts General Law Chapter 93A, for Consumers Protection. The bank was notified with the decision of the Attorney General, however, did not accept the dispute and started to add interest. I raised the case to the District Court for Small Claims that made its judgment on XX/XX/XXXX in my favor for a full refund of the cost, plus interest and court fees. Attached please find a copy of the judgment of the court.

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 2017-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have been trading on XXXX a division of coinbase for several months now. I saw the prices were fairly high on XX/XX/XXXX in the XXXX range but were dropping fast. I had been trying to put a sell order in for a few minutes and finally did get it in at XXXX a bit lower than I wanted being the major delays on XXXX. I had planned on buying back ( day trading ) at the bounce and when the bounce came I was locked out, XXXX wouldnt load for 5 minutes and kept giving error messages. I had also tried my laptop next to me and same issues. This was at approx XXXX to XXXX XXXX on XX/XX/XXXX East Coast Time. This has been an ongoing issue with XXXX and coinbase as soon as traffic picks up they  seems to have issues. In all reality I should have had my sell taken much higher XXXX and bought back at XXXX but I was screwed and by time I could buy back it was between XXXX and XXXX The price had kept climbing the 5 minutes the site was down and put me at a loss. I was also hammered in fees XXXX Things happen very fast in day trading and you can not be in this business if you can not handle the demand and give the customer a service your in the business to do. Luckily I was able to get the bitcoin back when I did before it kept going higher! 

I have attached some of the many screenshots I took. You can also see they were having issues with all 3 crypto they sell. All dropped at the exact time across the board but I had compared this to XXXX, XXXX etc and the charts look nothing like this. They admitted possible insider trading the following day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: IL

Complaint narrative:
In the process of buying a home TransUnion issued a credit report. I questioned the credit score and comments by calling TransUnion in early XXXX XXXX and was given very poor support in response to my questions. I then requested a copy of the report. The reported dated XXXX/XXXX/XXXX arrived at my home address on XXXX XXXX, XXXX. This report contains inaccurate information with respect to my employment and contact details, with the inclusion of contact details for my wife and son, but also numerous other inaccurate or redundant details. This report also shows details of an XXXX XXXX account which is not mine. More erroneously prior credit card and home loans which are clearly shown as CLOSED are shown to have current balances and credit availability. The home loan accounts are inactive and were all paid in full, moreover, there was never any amounts on the credit cards with XXXX and XXXX that were not paid off in full by the monthly due date. In all these cases the 'Amount Paid ' is shown as zero each month. These errors led to a comment on the credit report to the effect that there were 'large amounts of revolving credit ', which is misleading and blatantly incorrect. I have tried the 'disputeonline ' link and despite gaining access to my TransUnion account it will not accept my dispute. I called their XXXX number and was told they were not available. TransUnion is largely inaccessible, inefficient and should not be allowed conduct such a critical business in this manner. CFPB should take urgent action to investigate the business practices of TransUnion and consider their ongoing ability to operate such an important function handling sensitive information.

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 2017-12-31 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: MO

Complaint narrative:
I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both XXXX XXXX and Equifax show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I was offered a no interest slate credit card by chase bank it was opened for only 1 month and they closed the account on me and destroyed my credit scores I had a XXXX and it dropped by 62 points because chase closed my account. Chase customer service will give me no reason why! I abided by all their rules

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: AL

Complaint narrative:
I never received any notice about this so-called debt that Midland claims is mine. I 've never received anything in writing/mail regarding this debt. I only found out about this debt when I ran my credit report. I have since requested numerous times that Midland verifies that this debt is actually mine. They have failed to do so and are now after carefully monitoring my credit account I have found out that Midland is now threatening me legally. I feel that my legal rights are being violated and this company are using unscrupulous means of collecting a debt without legal validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: NC

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I sent Transunion a handwritten certified letter in regards to four accounts listed below. In the letters I requested Transunion send me verifiable information namely the original contract signed by me, in according to the ( Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. ) XXXX -- XXXX XXXX XXXX -- XXXX XXXXXXXX/ XXXX -- XXXX Each time Transunion has returned my request with no original contracts only a summary stating Verified and lastly Updated. Neither is what I requested in my letter to Transunion. Nor did they offer an explanation of their verificatio XXXX method. My request is simple either Transunion offer me the original contracts of these 3 accounts or in turn remove them from my credit report just as XXXX did. 

Thank you for your assistance in this matter.

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 2017-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I received a notification on XXXX XXXX a credit reporting app and it stated that I owe {$390.00} dollars from a company name Cash net USA and Ive never used this company nor do I owe them any money. Its being reported on XXXX, XXXX and Im not sure if its on XXXX. I would like this company to remove this debt because its not mine nor do I owe them anything. I havent received anything in the mail yet but nor any communication through telephone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
understanding that I would get a loan at a better rate for longer periods of time, this I did not get.I was one of lendup customers in XX/XX/XXXX-XX/XX/XXXX, last account # ending in XXXX, this lendup was ordered to payback money by the cfpb in XX/XX/XXXX, please tell me where to get back whats mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was conversing with someone from XXXX on 3 tickets to the XXXX XXXX game on XX/XX/XXXX. We emailed back and forth regarding procing. I got a request via Wells Fargo from his account ( name and number of requested included in this request ). I sent the money and tickets never came. Then email responses stopped. I called the number that I got via XXXX and the person who picked up said they never posted an ad about tickets. He claims identity theft. I called my bank and told them that he money was transferred to an account via there app. They refused to help.

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