vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had my account verified in XXXX when I signed up with Coinbase. I made a number of transactions without any issues, but was in the process of making transactions on XXXX XXXX when Coinbase required that I re-verify my personal information. My account had been completely frozen - no trades or money transfers - until the re-verification process was complete. Over a few weeks, I tried every combination of spelling my full name and every address I 've lived in the past 10 years, but the only response I got back from their verification service was 'Could Not Locate That ID '. I even tried to close my account, but could not transfer my cash out of Coinbase. I called 6 times and was put on hold for over an hour each time. I finally reached someone and explained the situation ; they asked me to send in additional proof of residence. I sent in the information but have not received any update on when my account will be unfrozen.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I mailed in a payment to capital one and I believe they withheld it to force me to pay late fees. 
as a result I now have a late payment reporting for the month of XXXX XXXX 2017

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was not late for credit first. I was not late for XXXX XXXX XXXX account ... payments were made and are current..

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: SC

Complaint narrative:
I worked directly with XXXX XXXX in XXXX about four years ago and paid this debt over the phone. Optimum needs to contact XXXX XXXX  to VERIFY this debt was paid. I no longer even have the paperwork because XXXX acknowledged that the debt no longer existed. I contacted Optimum at least four times regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
I lived in XXXX XXXX XXXX XXXX for 3 years and always paid my rent on time. I had a walk thru my apartment before leaving, after I cleaned it and was told that I will not need to pay any cleaning fees. I told them to write that on paper and was told that there was no need. 6 months later there is a {$510.00} collection fee on my credit report by NCC BUS SV. I contacted XXXX XXXX and asked them to speak with the manager who did the walk thru and they said I can not and that I should pay the collection company. The charged me astronomical fees for cleaning. They said it was too late for me to do anything. I had moved to another state, XXXX and gave XXXX XXXX my address. They were sending me the bills to my apartment despite knowing I moved. They sent the bill of {$510.00} to the apartment address even though I moved. I called the collection agency and they only had my apartment address. The representative from the collection agency told me he agrees that I was done wrong and that I will need to contact XXXX XXXX XXXX in XXXX. Now NCC BUS SV  collection is showing on my credit report {$510.00}. Upon reviewing google reviews I am not the first person this was done too by XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
In spite of the legal notice I sent XXXX XXXX XXXX, they have refused to comply with the Uniform Commercial Code, and the USC laws, and will not except my Promissory Note, which is legal tender of payment for the discharging of a debt. I gave them a list of some of these laws, but they dont seem to mean anything to them. Some of the laws I gave them are listed below. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by midnight of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item.

UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.

3-104. NEGOTIABLE INSTRUMENT.

( a ) Except as provided in subsections ( c ) and ( d ), '' negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.

( b ) '' Instrument '' means a negotiable instrument.

( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check. 
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.

( e ) An instrument is a note '' if it is a promise and is a '' draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.

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 transaction problem — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
I purchased XXXX dollars worth of ethereum prior to having my account closed by coinbase.com. I have been locked out of my account and am unable to recover my funds. It has been weeks since I have heard from customer support, and when they did respond it was n't related to the funds.

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: 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: MO

Complaint narrative:
I have constantly disputed to Transunion the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent Transunion a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed this twice with Transunion started in XX/XX/XXXX in the amount of {$160000.00}, for our home mortgage credit report stated 36 missed payments. They have sent me paperwork once stating that I was correct, since I have checked my credit and it has not been changed this is severely hurting my credit. According to '' XXXX " we are current on mortgage payments. I mailed copies on XX/XX/XXXXof the second dispute with Transunion.

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 card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I missed a few payments on deadline due to not getting the notice of due payment. XXXX XXXX penalized me with the late payments on my credit score.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have constantly disputed to Experian the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent XXXX a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am reporting XXXX XXXX XXXX XXXX XXXX. I paid this amount in full XXXX dollars in XXXX nothing has been done but the document from housing says XXXX but XXXX XXXX was given to him as well to rectify the situation the XXXX XXXX XXXX do n't have the landlord number either I also have documents to prove from both courts and himself the landlord and housing authority. I need you guys to investigate this please.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THE FOLLOWING INQUIRIES HAVE NOT BEEN AUTHORIZED. WHEN I CONTACTED THE COMPANIES THEY TOLD ME THAT I HAVE TO TAKE IT UP WITH THE CREDIT BUREAU. THERE WAS NOTHING THEY COULD DO. 

1.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX O-NLY 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies None provided

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 transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Through the XXXX app version of Coinbase I bought one XXXX for the price of {$84.00} XXXX on XXXX/XXXX/XXXX. I emailed Coinbase asking about the charge ( my memory lapsed and I had forgotten what the charge was for since it took a while ) and asked for more information. They placed a hold on my account in case of unauthorized access and I went through new passwords, two-step verification answered their questions about my account. I verified my account was safe and let Coinbase know I resolved the dilemma. Since XXXX/XXXX/XXXX I have been waiting for my account to be unfrozen and to receive the XXXX. I emailed again on XXXX/XXXX/XXXX asking for an update and help resolving, and then again on XXXX/XXXX/XXXX. I went through another email to receive help from Coinbase support through a email portal through their website on XXXX/XXXX/XXXX and that has yielded no results either.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.

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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a XXXX at Barclay 's. They subsequently issued a XXXX XXXX to me in XX/XX/XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX I phoned Barclay several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XX/XX/XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I BECOME AWARE THAT CAPITAL ONE AUTO FINANCE REPORTED IN MY CONSUMER CREDIT REPORT A BALANCE DUE AMOUNT OF {$6800.00}. THIS VEHICLE WAS ILLEGALLY IMPOUNDED WITHOUT MY CONSENT OUTSIDE MY POSSESSION. THE VEHICLE WAS SOLD IN AN AUCTION BY THE TOWING COMPANY. THIS ALLEGED DEBT WAS CHARGED OFF AND I HAVE NO MORE OBLIGATION TO PAY SUCH INACCURATE AMOUNT AND AS PER 26 US CODE SUBSECTION 166- ( Worthless Bad Debt within the taxable year )

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Problem with XXXX XXXX XXXX XXXX. I do n't have an account with XXXX XXXX XXXX my credit score was above XXXX and today it shows below XXXX. They said I had a account with them so I paid it off years ago and closed it. Then they reported a mulitple deliquent activities and lowered my score after I closed it. I have never had an account with them. Why now would they report delinquent activity after it has been closed. I was in escrow so I had to do something about it. It was never my account. I reported it through them and have not seen any results. Now Im being punished for someone else. Once the account was closed they reported it as being delinquent muliple times and hurt my score. I have always been in good standing with all my credit!!! PLEASE HELP ME GET MY CREDIT BACK!!

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: 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 recently disputed a tax lien from XXXX County filed and paid in XX/XX/XXXX. The date paid is incorrect. This is the only credit bureau out of the 3 that have not removed this inaccurate information from my credit bureau report. I spoke with an overseas representative last month and received a new credit report that states this information will remain until XX/XX/XXXX! 

I contacted the company and they advised me that they are not reporting this information to any credit bureaus. This should be removed from my credit bureau on XX/XX/XXXX. This is reflected on XXXX and XXXX and not being reported currently. 

Thank you in advance. 

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: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Greetings I have recently bought a few crypto currency through a app called coinbase. I extremely frustrated, and have contacted the customer support service multiple times. They locked my account because I made a mistake when creating a profile. I put my date of birth as 2017 by mistake and my account has been locked for over a month now. I called the coinbase customer line and it takes almost an hour each time to get a help desk analyst. They always tell me the same exact thing that a ticket has been creating and were working on it. I am extremely frustrated, and have not been able to make investments or get my money since they locked my account. I need your help, and would appreciate it.

Company response to consumer: Closed with explanation