vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello thanks for read this! 
Have a technical trouble to accss to my account on coinbase. 
Explains the reason. 
Recently I change my contry of Living, I am travelling in XXXX for couple of months and I will Come back to my home in XXXX. I was living in XXXX for 1 years and of course had a phone number XXXX. 
Because I close this account ( phone number ) I cant  have access to my account because they send my a code for change my password. I didnt want to XXXX this password but I wouldnt access to my account on my computer ( dont know why because on my phone this password was working ). 
I decide to change this password to have complet access to my wallet in both system. 
I dont receveit the code so I need to change of phone number on the website and my account but doing this i Need to verify my account. 
That there have trouble too because they cant verify my passport and a selfi of Me ( maybe because in my account its not XXXX for the contry of residence ) but I can change this of course because of the password I cant  have acces to my account. 
I try to call them few time nobody answers, I try to send some email for explain the situation but they send my a links for verify my account. 
I invest more than 1000 $ in and now I dont know what going on.

All this happening 2 last week ago. 
I open a request but nobody send me nothing. 
I have the felling to have lost this money!! 
I have my passport and all What I need to get access to my account its frustrating. 
I Hope you can give me a way to done something and get back this money. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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:
XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I applied for a XXXX XXXX credit card through Synchrony Bank for {$35000.00} and was charged {$33000.00} for " project management and labor '' that a XXXX 's employee signed on my behalf without my authorization. I have a copy of the receipt. XXXX 's executive team has been contacted numerous times over the past four months requesting an accounting for the charge despite the fact that their employee 's may have violated the Fair Credit Reporting Act, The Equal Credit Opportunity Act, the Fair Debt Collection Practices Act and Electronic Fund Transfer Act. I am prepared to provide evidence of the this claim to CFPB, the FDIC and the Federal Reserve Bank. I have reported this claim to Synchrony Bank and XXXX 's as well as the three major credit bureaus. I am requesting all interest charges for the referenced account be reversed and credit to my account as well as all principal paid until the dispute is resolved. Going forward I will play all monthly payment in an escrow account until the dispute is resolved.

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 2017-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
The original creditor is XXXX XXXX XXXX XXXX {$8100.00}

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 2017-12-21 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: U.S. BANCORP
State: GA

Complaint narrative:
I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}

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 2017-12-21 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 — Investigation took more than 30 days
Company: HONOR FINANCE, LLC
State: FL

Complaint narrative:
The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This is trying to collect a debt that I do not own since this is an error I have requested then to send me proof that I own this debt according to Debt collection practices act section 1692g. 
they have fail to provided me with : A.The original application or contract. 
B.Any and All statements allegedly related to this debt. 
C.Any and all signed receipts. 
D.Any and all cancelled checks. 
Please make them comply or delete this from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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: GA

Complaint narrative:
I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: SC

Complaint narrative:
My XXXX children attended College of XXXX for one year. We took out a loan with Great Lakes this was our only option to pay for the school. Our other option was for them not to attend. We took out a loan for about {$12000.00} for each child. At the end of two years we still owed over {$12000.00}. We were paying back the loan each month and the fees, interest rate killed us. We could not get ahead on this loan. We finally took out a line of credit loan at the bank and paid off Great Lakes. We had a % 6.00 interest rate at Great Lakes. Since taking out the LOC at % 3.00 with the bank I 'm over 1/4 of the way paying it off. Not only did I pay the loan off with Great Lakes they took an extra payment and took a month to refund it. This was the only option available at the time to finance with the College of XXXX. We paid for two years with cash at XXXX XXXX College for both our children. They both got an associates and when deciding to further their education they chose College of XXXX, and we financed it thru Great Lakes. I believe Great Lakes scammed me out of money by not applying the payments to my interest while we had the loan. The loan went down by {$400.00} in two years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX says they issued a credit card in my name and it was used fraudulently per their statement. They closed the account because of this but did not investigate or correct any purchases done fraudulent. They are putting this on my credit report and refuse to correct the issue.

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 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX XXXX and TransUnion. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2017-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX, Experian, and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX credit cards with Capital one for about 5 years. A year ago I called to let them know that I was having financial difficulties as my husband had filed bankruptcy. They offered to waive late fees for 90 days, which they did, but told me that was all they could do. I closed both accounts that day. I continued making minimum payments, which covered interest and late fees, for about 9 months, until we were impacted by hurricane Irma. Being self employed and unable to work, I couldnt afford to make minimum payments anymore. I called them to notify them of my difficulties and told them that I could possibly settle with them when I get my tax refund. They never offered me anything. 2 days later, they reported 90 day lates on my credit, dropping my score by XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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:
The company I complain about is Coinbase. 
I made a withdrawal XXXX euros, wire transfer from my Coinbase account to my bank account on XX/XX/XXXX, they said that transfer is confirmed and money should be in my bank account within XXXX. Have done this before, usually 1-2 days and money is in my bank account, but not this time. More than 9 days now, but still no money, I have written them complains and asked for help, but no answer at all. 
Could you please help me sort this out! I am ready to give you all the information you need about this transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
Company : Mr. Cooper Issue : Cancellation of Private Mortgage Insurance ( PMI ) Complaint : I have been unable to cancel PMI due to the mortgage provider, Mr. Cooper, not ever ordering an appraisal of my property that I requested on XXXX XXXX, XXXX. Multiple representatives of Mr. Cooper 's PMI department have said that the process would take 7-10 days from when they processed the PMI cancellation request. Mr. Cooper confirmed that they had processed the request on XXXX XXXX, XXXX. Since that date I have called four times ( XXXX, XXXX, XXXX XXXX, XXXX ) to request a status about the appraisal 's completion. Each time a representative expressed surprise when informing me that the appraisal had not been ordered. One representative on XXXX XXXX, XXXX blamed the delay on the vendor. Another representative on XXXX XXXX, told me there is only one person that handles ordering appraisals for PMI removal in the PMI department. I will now have to pay two additional months of PMI ( and maybe more ) since it 's still not resolved. There is irony in a company who charges consumers late fees if they are late on their mortgage payment ( I 've never been by the way ), but yet my only recourse is to submit a complaint to that same company when I 've done everything right. I requested to be copied on the email submitted to the employee who is in charge of requesting appraisals with the vendor and was told that copying me on an email was not allowed under company policy, but I guess treating customers with disrespect and patronizing them is company policy. My recommendation to the trainers and managers in the PMI department would to empower folks to be problem solvers instead of administrative bots that just explain the PMI process over and over again. I 'm calling for a resolution, not a lesson on how PMI works. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have encountered fees when I have purchased items from certain vendors. Such as XXXX XXXX or XXXX. I make the purchase with fees in my account. The account debits the amount. Later, Citizens does not withdraw the amount. FOR WHATEVER REASON. I guess this is the part where they are going to make their money. They put the money back into my account showing I have more funds than I actually have. Online, it shows that I have the extra amount in my account. Again, what is the purpose of having online banking if the amounts are not true? I may have spent the extra cash but my account reflects online that I am able to deposit the money into my account at a later date to avoid fees. Why do you have this system in place saying if you deposit by 10 you wo n't get a fee? Next time I will take screen shots of how this took place. Better yet I will find a new bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My account has been locked for over 13 days with zero  response from Coinbase after raising a support ticket immediately. Have also tried XXXX their support XXXX  account with no response. Also impossible to get through to their phone support line. This account contains money and a number of cryptocurrencies which I can no longer access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit monitoring service alerted me to an account that was just added to my credit file. My XXXX  monitoring service told me that Navy Federal Credit Union added a credit card account to my credit profile. I do not have any accounts with Navy Federal Credit Union, nor have I ever. A new address was added to my credit profile XXXX XXXX XXXX XXXX, Texas XXXX I have never lived at this address, nor have I ever. I do not know anyone who lives at this address. I called the management office of this apartment complex to inform them that my credit profile reflects this address but that I did not authorize that and confirmed that nobody with my name has a lease there or has ever had a lease there. 

I am a victim of identity theft. Since the last round of identity theft I have filed a police report with the XXXX Police Department. The report number is : XXXX Please make a note that I will never open any accounts with Navy Federal Credit Union - and if I ever were to do business with them I would do it in person. Anything opened online and or over the phone or by mail or by other means not personally physically inside of an office is NOT me. Please block my social security number from your system! 

I have attached a copy of my photo ID and my social security card. 

Please communicate with me in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: PA

Complaint narrative:
We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false 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 2017-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE AUTO FINANCE Date Inquired :XX/XX/XXXX I received an alert from my credit monitoring company on XX/XX/XXXX and was informed that an inquiry has shown up from Capital One Auto Finance. I have not and did not authorize any applications with Capital One. I do not have any records of inquiring for an auto loan with Capital One. I called capitol one and they did not have an application on file for me name. I contacted bureaus and placed a 90 day freeze on my account and I also filed a police report for fraud activity. If you have any questions please contact me at XXXX. 

Thank you.

Company response to consumer: Closed with explanation