vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/18, i submitted {$24.00} USD/BTC through coinbase to XXXX for BTC. I was charged over {$18.00} USD in fees and i can not reach the coinbase or whoever charged me the fees. I have done transactions to XXXX before with coinbase and never charged so much. XXXX received only a little over {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I called Sears customer Service to ask them about making payment online which was n't due until XXXX XXXX. I spoke with Representative XXXX, whom informed me that I would n't be able to make payment online because I do n't have the credit handy and she said she order new cards for me and I told that yes I would like to order new cards. So after ordering the new cards, I told her that I would like to make payments on my Sears Regular Credit Card Ending in XXXX for {$150.00} to post on XXXX XXXX, XXXX and she went ahead process the payment with confirmation # XXXX and she said everything look good the payment will posted within 24 hours. After making sears regular credit card ending in XXXX, I told XXXX XXXX that I have another Sears Mastercard ending in XXXX and that I would like to make payment on that card for {$100.00} to postdate on XXXX XXXX which was 7 days and the payment were above minimum amount ; which she did and told me that everything look good and the payment will be posted within 24 hours with confirmation # XXXX. On that I made other bills payment which posted to my bank account smoothly with no problems because I was keeping checking my bank account daily. So on XXXX XXXX, when I was looking at my bank and saw that sears cards payment didnt went through I got panicked and called sears customer service ; and ask them to let me speak with their management, and as soon as I spoke with management they told me that my payment did n't clear from my bank, and she said there was a reason. So asked the management for the reason, so they said that the reason my payment didnt clear my bank because my address change which I have n't I havent made any address change since XXXX when I opened my bank account. I have worked in the XXXX XXXX for longtime to know thats completely not true because I have made payment with them before and had no problem with the payment. so she said that theres nothing they can do and its reported to Credit Bureau as late payment. I went ahead made payment on XXXX XXXX on card ending in XXXX for {$160.00} ; and same date on card ending in XXXX for {$120.00}.

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 monetary relief
Consumer complaint received 2018-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint narrative:
Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: FL

Complaint narrative:
made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

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 2018-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

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 2018-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northland Group Inc
State: SC

Complaint narrative:
This company says that I owe a debt from XXXX XXXX. Not only do I not admit to or know this debt, I was a victim of identity theft. I went on the federal website to submit my information and complaint about being a victim of identity theft. I told this when they called me threatening me with jail, and embarrassing me in front of my employees. I do n't know this debt and it was opened in my name and fraudulently and even after an address change request they still ignored my request. It 's not my debt and I wish the original, wet ink signature sent to me before we talk about whatever this bill is and if this goes in my credit report I will seek

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06 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: CORELOGIC INC
State: CT

Complaint narrative:
See complaint XXXX for more information. On XXXX XXXX, 2017 there are 2 hard inquiries on my credit report for CREDCO which appears to be through XXXX. XXXX  contacted me via phone because I was looking to refinance my mortgage. I spoke to XXXX XXXX who was very rude and pushy and he completed an application in my name which I did not request and then he did a credit check as well. I contacted him and he said it is there protocol to submit applications when someone is looking for rates but I did not ask for rates. I told him I was not interested and he did it anyway. I also emailed his supervisor and never got a response.

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 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have filled fraud on my social security number already and still none of the negative reports are off my report. I 'm looking at this report and it look like it belong to someone else. Some of it simply is n't mine and some is very old and should be off no matter how times it get sold to different collection agencies. For example : XXXX XXXX XXXX on page 11, I 've never heard of, and even from this report it should be off. XXXX XXXX XXXX is at 16 years old and should be off my report.XXXX XXXX # XXXX # XXXX # XXXX I know nothing about and is false, Never heard of XXXX XXXX # XXXX before and should not be on my report, Never heard of XXXX XXXX XXXX # XXXX, and should n't be on my report, have not had an account with XXXX XXXX # XXXX, which is reporting here under the name JH PORTFOLIO DEBT EQUITI. # XXXX XXXX of these things I do not know of and is fraud and should not be there. Some are too old to be there as well. XXXX XXXX XXXX XXXX XXXX # XXXX is false those are false balance owed. I am also requesting the inquiries be taken off my record as well, because I have not applied for credit of any kind from anyone to explain all these inquiries. I have filed identity fraud on my social security number, and had a fraud alert put on my credit. I am amazed at all the false reports 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 2018-01-06 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: AK

Complaint narrative:
On XX/XX/2017 I tried to log into my Coinbase account ( bitcoin, lite coin, brokerage website ) shortly after which I was denied access to my account and my XXXXbit coins, XXXX eithirium and XXXX coins ( now a value of over {$20000.00} ) later I was sent an email telling me that account had been locked due to eligibility restrictions. I have sent emails and called multiple times with the promise that my account will shortly be reopened and my issue resolved, It has been over 2 months at this point and they havent made any efforts to work on my problem or even update me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted my credit card company to report fraudulent activity on my XXXX credit card. Two transactions on XX/XX/2017 posted and should be reversed due to fraudulent activity. Yesterday Bank of America closed the case and has refused to reverse the unauthorized transactions : Transaction date : XXXX  Posting date : XX/XX/17 Merchant : XXXX | Location :  XXXX NJ | Amount : {$230.00} Merchant : XXXX | Location : XXXX NJ | Amount : {$12.00}

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 monetary relief
Consumer complaint received 2018-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer. 
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/17 I sent a document to TransUnion requesting proof that they had verified accounts on my credit report prior to reporting the information. Since then they have not provided the data requested but states that these accounts have been verified without any proof of verification as requested. Please direct Transunion to promptly remove the unverified items from my credit report. I have attached copies of letters sent to them and their response which is proof my dispute was received.

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 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. 


Coinbase has failed to restore my account balance in over 6 months of waiting. 

I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
CFPB : XXXX This is a continued problem with XXXX XXXX XXXX. XXXX XXXX XXXX has deleted all of the payment history transactions after having 3 errors on my account. I am now not able to view my payment history from XX/XX/XXXX-XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX ( on the dates XXXX XXXX, XXXX, XXXX XXXX, XXXX, and 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, and XXXX/XXXX ( XXXX 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 2018-01-06 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: CA

Complaint narrative:
Was unable to connect or contact them or dispute online or show proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: FL

Complaint narrative:
In XXXX 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.

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 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I transferred about XXXX Bitcoin cash ( BCH ) from my another account to XXXX. At XXXX XX/XX/XXXX, Coinbase showed that transfer has been completed from Coinbase to XXXX. However, till now (XX/XX/XXXX ), XXXX has n't show the XXXXBch. 

I have submitted the ticket and the guy just keep telling me they are working on that but there is zero update.. and the attitude was terrible. I lost XXXXBCH now/ ( Worth about $ 30K!!!! )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to Equifax, XXXX and XXXX XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: CA

Complaint narrative:
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).XXXXthe inquiries are XXXX XXXX XXXX ( on the datesXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ),  XXXX XXXXXXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation