vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates has put a judgment against me and I wasn’t even served properly and I don’t know much about this judgment and since last year I been trying to clean out my credit report and I been trying to contact Portfolio Recovery Associates failed to validate the debt Portfolio Recovery Associates only tell me that the debt is verify but Portfolio Recovery Associates has failed to show proof of any source not even the original contract with my signature and I did contact the credit bureaus and they won’t remove it and I did send out letters to Portfolio Recovery Associates to verified the debt by certified mail many of times and Portfolio Recovery Associates has failed to verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
TodayXX/XX/2018 I attempted withdrawing US Dollars from my account in Coinbase. After attempting to withdraw, I receive an email saying my bank is cancelling the deposit. However, my bank XXXX XXXX, states they never received any deposits nor blocked or cancelled any. So I tried Withdrawing again from Coinbase, and depositing into my XXXX XXXX  account. Again, they say bank cancelled deposit, again bank denies. I lost $XXXX already on this, nobody at Coinbase responds, its a shame they even are licensed. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Colony Brands, Inc.
State: MI

Complaint narrative:
They put inquiries on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2018-01-31 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: CORELOGIC INC
State: MI

Complaint narrative:
They have hard inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
on XX/XX/2017 XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX - GA XXXX phone XXXX pulled my credit information from the 3 main credit Bureau without my CONSENT and my knowledge. Causing my credit score to lower points I had a previous dispute with them in the BBB and personally. 
XXXX XXXX XXXX has over 400 complaints n the BBB and also on the consumer page of Claims and complaints. 
How can you allow a company with over 400 complaints to continue harming consumers?? 
ONE cOMLAINT SHOULD BE ENOUGHT FOR them to be investigated. 
IThey had no right to pull my credit and it is a violation of federal laws to pull people credit without their consent and a violation of my privacy Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I like to start by stating my complaint is with the company Coinbase, which is a bitcoin wallet. On XX/XX/XXXX at approximately XXXX XXXX  after having to replace my phone device I attempted to sign onto my Coinbase account. I was able to enter my user name and password correctly but as a secondary precaution Coinbase also requires the use of an authenticator code. However, with the replacement of my phone I lost access to my authenticator app. Not having the required authenticator code there is an option from Coinbase to submit a license and selfie to gain access to my account. I have attempted to gain access using my photo and ID over 11 times with a denial every time. I reached out to Coinbase on XX/XX/XXXX via phone and was told to keep trying that there was nothing else they could do. I reached out again on XX/XX/XXXX where I was told they were investigating the issue and working with a specialist to address it properly. I continued to attempt access using my License and photo with no luck. With no response I reached out again on XX/XX/XXXX, where I was told for a faster response to not continue to contact them and that my request has been properly escalated. As of XX/XX/XXXX I still have not heard from Coinbase regarding this matter. As of the last time that i had access to my Coinbase account I had roughly {$11000.00} vested. With not having access I have not been able to withdraw my money while watching the Cryptocurrency ascend and descend. This has been a very stressful journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: OK

Complaint narrative:
hello my wife purchased something for {$25.00} from XXXX on XXXX card 2 years ago. we moved to different place after couple of months. 
we updated our new address for all C.C accounts including XXXX. 
here, real story starts. after more then 2 years i tried to use my card in the store and it didnt work. so, i called XXXX and i came to know that they have closed my account for not paying {$25.00} and with interest it is now $ XXXX.so, i asked XXXX why did not they send any statement and they said they sent it at my old address. so i asked him how come they did not update my new address when i have already ordered few stuff from XXXX at my new address. and he said it was computer glitch therefor, it did not get updated at our end. he said that now we have your new address but unfortunately your account has been forwarded to collection agency.and he also said that send them fax and let them know about this address issue and they will consider and wont charge any interest. i said OK ill pay my unpaid bill and send them fax twice. i did sent them fax to resolve problem but finally they sent it to collection agency. 
i wonder why they did not send my statement to collection agency for more then 2 years. when i tried to resolve problem at that time they realize to send unpaid charges to the agency. i would like to pay my unpaid bill {$25.00}. probably they wont consider that. i want them to hear my telephone recording with XXXX customer care.how come they did not find out my new address when i ordered online from XXXX. why did not they tried to call me about this bill. 

please let me know how to resolve this problem. 
thank you 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 2018-01-31 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
They have hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX  on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: AZ

Complaint narrative:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: AZ

Complaint narrative:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX  by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
They put hard inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I transferred approximately $4800 worth of BTC to my Coinbase account from XXXX. I received messages on both ends that the transfer was successful. Then when I checked my Coinbase account, the money was not there. I called and complain with sheer panic that the money had just vanished. They informed me that somehow the money had been transferred to XXXX, and sure enough when I checked there was money there. So I proceded to try to withdrawal the full amount, and it showed an error stating that was an error withdrawing from XXXX and that I should transfer to Coinbase in order to withdrawal. So I did that, but then then things got even weirder. I couldn't convert my BTC to USD at all in order to perform the withdrawal. So for days my money was stuck as BTC which was steadily dropping. Finally I called again, and the lady said she had no idea what happened and had to make a ticket for an advanced technician to investigate the matter. The next day I had $XXXX  even in my USD wallet. I was again so excited that the nightmare was over, but when I went to withdrawal the money, it said that I owed $XXXX still. I didn't understand at all how I could owe any money let alone $XXXX, especially while I had XXXX  already in the account. It gave me 4 ways to pay, my credit card, 2 of my wifes credit cards, or I could subtract it from my XXXX USD wallet. Anyway I tried every method, now it says I owe 0 dollars, but I can't withdrawl still because it says I owe 0 dollars. HELP ME PLEASE!! I think they stole my money, or got hack and are trying to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I need this company to take this fraudulent account off my report I have reached out to them and have not gotten a response, I never opened this account and have send many letters fax and emails they have failed to reply to me and its because they dont have the documentation bearing my signature that I asked for ....

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 2018-01-31 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: IN

Complaint narrative:
I am still missing my wire transfer and it was NEVER credited to my coinbase account. Details are as follows:Name on a/c: XXXX XXXXAmount: $XXXXSending Bank: XXXX XXXX XXXX XXXXDate Sent: XX/XX/18Fed Ref for wire tracking: XXXXReceiving Bank:  XXXX XXXX XXXXRecipient:  CoinbaseCoinbase Ref #: XXXXMy telephone # XXXXMy funds have been in limbo too long and I was charged a $XXXX fee for wiring these funds. This is very disappointing & difficult to understand how it could possibly take this long to credit or deposit funds into my Coinbase account or refund my wire back to my bank acct.I have called XXXX XXXX XXXX, they acknowledge receipt of the funds and stated this is a Coinbase problem.  The only way to contact Coinbase is "online" support tickets, which they send preformatted responses to customer inquiries.  No one has taken ownership of this issue nor replied where my missing funds have gone.  Coinbase claims to be FDIC insured.  How can a bank or brokerage firm be govt regulated and operate with impunity?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: MI

Complaint narrative:
They put hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
They put hard inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: FL

Complaint narrative:
Before you attempt to read this message I want to let you know that this isn’t a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS: XXXX, XXXX XXXX  & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and you’ve violated my rights as human being and I’m forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that you’ve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of $XXXX for all the damages.

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 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
my previous complaint with c.f.p.b XXXX  against national credit systems responded to your department that they would delete this collection from all credit bureaus, and they have, however they are still reporting the same collection with a different account number to all credit bureaus which is XXXX (XXXX XXXX}.they need to remove the same disputed collection from all credit bureaus with this account number XXXX. they also must inform your department that this account number will also be deleted since its the same fraudulent collection as before falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
OnXX/XX/2017Equifax signed for the certified mail sent by me and has yet to correct the issue. I have had Identity Theft in the past and mailed out a Police Report, Notarized FTC Identity Theft Report three times.  By FCRA 605B (15 U.S.C 1681c-2) Equifax has four business days to block the alleged Identity Theft information. XXXX  and XXXX verified and blocked this information within 4 business days but Equifax has yet to do it. I have called Equifax and talked to two supervisors, they both told me there was re-investigations going into my claims of Identity Theft and that they got my police report and FTC Identity Theft Report. I have attached the proof of Certified Mail being signed off by an Equifax Representative on XX/XX/2017I got no response from XX/XX/2017. Equifax got my police report and all the information needed to block this information by law. I have also attached the Police Report and FTC Report to this message.

Company response to consumer: Closed with non-monetary relief