vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative  derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2018-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Had a kitchen fire XX/XX/XXXX. Received insurance funds from insurer on around XX/XX/XXXX mailed it to XXXX/chase on XX/XX/XXXX they received it on XX/XX/XXXX and it is now XX/XX/XXXX and I have not received a dime of my insurance money for repairs. I had a contractor do XXXX worth of drywall and put a stove in so we could cook for our family of XXXX. They said my claim was monitored because my mortgage was showing one month behind at time of fire and I needed a licensed g.c. Then they said I did n't need one because the job was under 50,000.00 on my state.Now they wo n't release any funds for me to pay my contractor with and I had to take a financial hardship withdrawal from my federal TSP. I am now in the process of hiring a licensed g.c. but I do n't have any confidence in these people.They do n't care about people and the hardships they put on them. There has got to be a better way to do this. I have been paying my mortgage with chase for 14 years now and I have no intentions of running off with the insurance money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
HHGregg sold a defective, incomplete XXXX dishwasher. Id tried my best to resolve this issue to no avail. As a consumer, I cooperated and made every possible effort with the store where I bought this appliance. Then, HHGregg when bankruptcy. 
Since then, they first ignored my complaint with the XXXX Consumer Service Department ; later they have tried to shield themselves with the 30 days returning policy technicality, which is absolutely unfounded as explained in the chronology enclosed. 
I am XXXX years old, XXXX since 2003 and within my limitations and income- I have jealously complied and protected my credit. Even with this same bank SYNCHRONY, I have several other credit cards and never a single issue. 
I need your assistance in this matter. I want to avoid expending {$170.00} in filing a Small Claim Court. I  lived on a strict limited income of a XXXX check from my retirement. 
Your support in highly appreciated!

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX i started a transaction to move XXXX LTC over from one exchange to XXXX/Coinbase the transaction was confirmed in the block chain and XXXX sent me an email saying Valued XXXX client, Your Litecoin deposit of XXXX LTC ( worth {$52.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 
Please view your account to double check your deposit and manually move your funds to XXXX. 
- The XXXX Team I assumed no big deal, Ill just manually move it. Well the LTC was nowhere to be found. It just disappeared luckily i was only moving a fraction of my currency before i moved all of it, because i would have been much more upset losing more than the 50+ dollars at the time. 

Anyway, i started a support ticket and the only email response i received was on XX/XX/XXXX linking me to an FAQ page as to why my transaction could be pending. However, MY TRANSACTION WAS NOT PENDING. It was CONFIRMED. So they obviously did not even read my support ticket. I replied again to their support and havent heard a response since. I will not deal with this company any more aside from when i get my LTC back, and only to move it out of their exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, Transunion, XXXX & XXXX. No one will remove this inaccurate information form 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 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XX/XX/XXXX I engaged in a transaction for the amount of {$360.00} USD to purchase clothing from XXXX XXXX. I received the package on or around the XXXX day of XXXX, XXXX. When I received the package, it was empty. There was no merchandise of value whatsoever inside the package. I contacted the merchant, XXXX XXXX who said they were unable to issue a refund. At that point, I filed a dispute with capital one online. I was issued a credit by capital one on or around the XXXX day of XXXX, XXXX. I was not given any update on the dispute by mail or electronic notification. I was never asked for more information from Capital One. With this being said, on or around the XXXX day of XXXX XXXX, capital one reversed the credit without explanation. On or around the XXXX day of XXXX, XXXX I spoke with 4 different individuals at capital one, to wit the final individual disconnected the phone without giving me a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IA

Complaint narrative:
I have been working with XXXX XXXX to update my forbearance application for over a year. I emailed several applications and submitted all of the documents they requested. I called in several times to ask why my application was delayed in being reviewed and the customer service agent said that the form was illegible. I was able to look at the documents that I submitted and they were uploaded directly from my computer. They delayed in processing my application and then reported it late. My application was finally approved for a temporary forbearance but they had already reported it late. Their internal department keeps updating my mailing address to my XXXX sister 's home. I did not receive the statements. They were not authorized to update my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Withdrew Funds, Balance was not Reflected in Bank Account, although funds withdrawal show up as completed on platform. On XX/XX/XXXX XXXX XXXX. 
Amount is {$11000.00} Contacted support on XX/XX/XXXX XXXX, Case ID XXXX on platform. 

Response on XX/XX/XXXX XXXX. 

Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 



No response since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 2018-01-07 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: FL

Complaint narrative:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, Equifax & XXXX. No one will remove this inaccurate information form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, XXXX & Experian. No one will remove this inaccurate information form 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 2018-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
On XX/XX/17 I received a letter from XXXX XXXX XXXX XXXX stating that I owed XXXX but the name on the account is not my name and would like it deleted off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

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 2018-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
This company has sent documents as a CERTIFIED DOCUMENTS ADDRESSED in MY SON 'S NAME! I believe it is a time-barred debt. The debt was filed on XX/XX/XXXX, the judgement date is XX/XX/XXXX. This debt originated when I used to live in XXXX ( which was years ago ). The issue I have is that my son 's name was typed on a sticker and pasted over my name. My son is only XXXX years old. My check was being garnished. I believe that is part of a step to try to resolve the issue. Also, I do believe about two years ago a statute was passed that debt collectors could not garnish your pay if you lived in certain counties in XXXX. XXXX County being one of them. My concern is that is this even legal?

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 2018-01-07 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: MO

Complaint narrative:
On XX/XX/XXXXI ordered my free Transunion credit report from XXXX. I checked my credit report again on XXXX/XXXX/XXXX and I noticed a hard credit pull from Transunion made on XX/XX/XXXX. I ordered another Transunion report to be sure that a hard inquiry was made by Transunion. I contacted Transunion via phone and 2 representatives stated that there was no " hard '' pull made by Transunion and that the inquiry was a " review '' of my account. They also stated that their system is does n't show a hard inquiry pull made by Transunion. I have uploaded my full Transunion credit report that 's shows this hard inquiry. To expedite time I uploaded the inquiry page first.

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 2018-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 2018-01-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their  money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 2018-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Had a college card, put some money on it, did n't pay it. Went to the bank directly to settle and they would n't work with me on paying it. I asked if I can pay {$200.00} and they said no they wanted {$600.00} to start it. I only had a {$1000.00} limit and they added $ 200+ fees on top of it. I was willing to pay it off if I was given an opportunity to but they would not work with me at all.

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have been locked out of my Coinbase account for over 5 weeks now which holds on this day XX/XX/XXXX the equivalent of {$5600.00} worth of Ethereum coins/tokens. That is a lot of money I ca n't access.

The issue first occurred on XX/XX/XXXX when I tried to sign into my account. I received the following error : ''Invalid email or password. Try clicking 'Forgot Password ' if you 're having trouble signing in. '' Now straight away I thought this was very odd as I use a password manager to enter my details. I tried to login a few times more but the same error kept appearing. I eventually requested a password change. Coinbase sent me an email to reset my password which worked with no issues. However, no matter how many times I changed my password the same error still popped up. The email is 100 % the email associated with the account and obviously the password is correct so it is not a fault at my end. I can login to my account via the Coinbase APP but ca n't access my wallets/accounts. Again, I receive an error message. I have tried signing in from another device and different browsers to no avail. I have even asked my friend to try and login for me from his computer. Nothing works. 

Now when I attempt to login I 'm receiving the error message in the title : Sorry, account temporarily disabled. Please contact support.I have contacted support by email and created a ticket ( Case # XXXX ). 

I have also sent them a direct message on XXXX, my only response was via email which seemed to be an automated response which stated ''Due to increased volume it may take several days to receive a response. '' For me this is completely unacceptable customer service. Not being able to access that amount of money particularly over the festive period has caused me a great amount of stress. 

Any help/advice on this matter would be greatly appreciated.

Company response to consumer: Closed with explanation