vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

Experian must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased Bitcoin through Coinbase almost 5 years ago. When I log on to my same Coinbase account during the past two weeks, I am not permitted to sell ANY portion of the amount shown, an amount I have held since that original purchase! 

So far, the only thing Coinbase has done, a week ago, is suggest I clear Browser History which I did while on the phone with Coinbase. I have a XXXX XXXX XXXX in programming and am familiar debugging computer code. On my own during this time I tried disabling virus protection, using othe PC browers and XXXX, and made other attempts. After over a week of both emails and phone calls to Coinbase ( XXXX ), the latest with a programming supervisor named XXXX, they have not been able to resolve this so called 'TECHNICAL ISSUE '. 

Coinbase 's ACTIONS has now caused a monetary loss and I intend to retain legal action while diligently publicizing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.

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 2018-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
the United Consumer Finance company keeps harrassing me twice a day for the past year They keep calling me and threating me for being 1 day late not even 30 days late. This is very fustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SIMM Associates, Inc.
State: AE

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX XXXX Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either XXXX XXXX or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXXr. This line of credit was through XXXX. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX XXXX XXXX to link their XXXX accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a XXXX XXXX  Account. The registration should have linked my overall XXXX account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my XXXX Account. 

XXXX Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. XXXX XXXX   stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AL

Complaint narrative:
On XX/XX/2018 I disputed the validity of a information being reported on my credit XXXX XXXX file from Professional Bureau of C stating that I still owe {$5700.00} on a Auto Loan owned with XXXX XXXX XXXX. This information is incorrect and I do not still owe either company because the account was paid in full through by bankruptcy filings. I would like this negative information removed immediately from my XXXX credit file as it is negatively affecting my credit and my ability to purchase a new vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

XXXX  must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
started a modification on loan 15 months ago they keep putting it off finding excusses why its not going thru. not putting my payments towards mortgage, reporting to credit iam not paying, now sending back my payments, company is nationstar loan number XXXX have been working with XXXX XXXX XXXX for 8 months now and she says she cant figure out whats going on they wont give her a answer, i have reported them to IRS, FHA, AND complaint department and called att, generals office and local news company, iam a XXXX XXXX  with XXXX county, everytime I get all paper work done they say either the notary stamp isn't right or they find something else wrong then cancel again, I just want it done so I can get rid of them, now they say they are going to foreclose on me even though I have made all payments and they are holding XXXX dollars of my money, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX mass XXXX email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Made purchases on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$300.00} with my debit card on Coinbase. Transactions posted and went through. On XX/XX/XXXX the same amounts were charged again without my authorization and posted ( they are not pending ). Hundreds of other people have been having the same problem and no one can get in touch with Coinbase support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: MO

Complaint narrative:
Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! 












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 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Chase on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX )  in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX  produced validation demands to Chase to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I noticed my credit score had dropped significantly. I pulled up my Transunion credit report and noticed that an old item previously deleted in XX/XX/XXXX was put back on my credit report. I was never notified by Transunion and when I called they said the agency ( XXXX XXXX XXXX.a.k.a. XXXX  ) never certified it as true and accurate. Transunion never notified me it was put back on my report after 4 years. In XX/XX/XXXX report the deleted item was listed for {$190.00} and the original creditor listed as XXXX XXXX XXXX ( XXXX ) The XX/XX/XXXX collection agency was XXXX XXXX XXXX. ( XXXX  ). XXXX had said the amount as {$190.00}. That item was deleted from my credit report. 
Then In the XX/XX/XXXX Transunion reported a delinquent item was added to my report for {$190.00}, XXXX XXXX was listed as the original creditor with XXXX XXXX XXXX. ( XXXX ) the collection agency. I was told by XXXX  that the debt was actually for {$190.00} which is the same amount that I was told the debt was in XXXX and the original creditor was XXXX XXXX, the same as in XXXX. In XXXX the debt was in collection with XXXX XXXX XXXX. 
It is obvious that to sneak a deleted debt back on to a credit report, the creditor XXXX XXXX, tried to deceived by : 1 ) waiting 4 years, 2 ) falsifying the original creditor, 3 ) changing the amount of the debt and 4 ) changing collection agencies. All to avoid the certification and notice required by law. 
I have disputed this with Transunion. XXXX told me they sent the dispute to XXXX XXXX. But I was so appalled at the attempt at deception that I had to report this new tactic by a creditor to you.

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 2018-02-15 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: Seterus, Inc.
State: WA

Complaint narrative:
Seterus Inc. Dispute beginning XX/XX/17. Believe that Seterus Inc., in  violation of the FCRA and the FDCPA when reporting this account to the credit reporting agencies.

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 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX a collection was put on my credit for {$140.00}. According to XXXX I missed payments for 5 consecutive months starting from XX/XX/XXXX. In XX/XX/XXXX I had moved and canceled since I no longer needed them.

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 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase charged my debit card with unauthorized transactions. Ive seen the same transactions previously posted on my account but they are charging me again. 
Couldnt get ahold of anyone through email or phone. 

XXXX XXXX XXXX XXXX. 
Over draft Fees : {$20.00} Coinbase Trav Fun coinbase : XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$340.00}, XX/XX/XXXX {$200.00} Coinbase Fee : {$10.00}, {$5.00}, {$1.00}, {$3.00}, {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: GA

Complaint narrative:
Transunion is reporting an inaccurate public record on my credit file. I have notified them that that is not my account. This account is reporting a date of XX/XX/2009. This is not my public record. Please assist me in getting this public record removed from my Transunion report. Transunion is the only credit agency that is reporting this inaccurate information on my credit file.

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 2018-02-15 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 have been in contact with transunion about removing a unverified account on my report. They haven't provided me with any documentation on how the account is verified but they still keep updating it without any proper documents confirming that the account belongs to me. A certified letter was sent out XX/XX/18 again for the 5th time. You stated these items were " verified '' and reported correctly? Who verified these accounts and why havent i seen a copy of any original documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). Furthermore you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised also section 611 ( 5 ) ( A ) of the FCRA you are to promptly delete all information which can not be verified. I have the info deleted from one credit report ( XXXX ) and transunion should follow suit since they can't verify the account to be mine. I have included proof of the deletion from XXXX also.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I deposited 5 Bitcoin ( approx. {$50000.00} USD equivalent ) and the payment is listed as " pending. '' I opened up an email ticket ( # XXXX ) and I have not yet received a reply. I tried calling the support line but it said they can not help with this type of issue by calling on the phone. I read numerous of reports of this same problem and they claim they have been waiting for weeks for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mann & Carducci Co., LPA
State: OH

Complaint narrative:
I received a notice from the XXXX County Courts ( XX/XX/XXXX ) that there was a judgement issued against me from the State of Ohio Department of Taxation for the amount of {$3400.00}. 

This is a complaint against Mann & Carducci CO. , LPA XXXX XXXX XXXX, XXXX XXXX A XXXX, OH XXXX XXXX. I was unaware that this debt was owed. 
2. I contacted The State of Ohio Department of Taxation to ask what the debt was from, year? type of tax? etc. They did not answer my question, however referred me to the Attorney General 's office.

3. I contacted the Attorney General 's office with the same questions and received no response.

4. I called Mann & Carducci Co. and the person who I was supposed to speak with regarding this debt ( XXXX XXXX ) was unavailable for an extended period of time. I called the number that was left on XXXX XXXX ' voicemail. Called several times, left several voice mails, and received zero response. 

At this time I thought it was wise to at least send in the proper paper and small payment to stop wage garnishments. According the the judgement paperwork I had two weeks to submit this paperwork. The due date would have been XXXX XX/XX/XXXX of XXXX. 

I sent in my signed paperwork, check for {$150.00}, and two stubs on XX/XX/XXXX. 

I received back my signed paperwork, check for {$150.00} and two stubs with a note written on a post it note saying that they could not accept it because this information was due in XXXX. Please again be advised that the court documents state XXXX. 

I am now WRONGFULLY getting my wages garnished of {$370.00} per pay period. I sent in the correct paperwork within the given time and I want the garnishment to stop ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NC

Complaint narrative:
This issue is for believed fraudulent activity committed by Coinbase. There is a double charge on my checking account from Coinbase. On XX/XX/XXXX I bought {$500.00} dollars worth of Ethereum ( ETH, a cryptocurrency ) from Coinbase from my XXXX  Debit Card, linked to my Checking account, and the transaction went through no problem. I received my Ethereum. Today, XX/XX/XXXX an  UNAUTHORIZED {$500.00} was withdrawn from my Checking account by Coinbase. I did not buy any product from them. This withdrawal on XX/XX/XXXX was not authorized by me, and is NOT listed in my transaction history on Coinbase. I did not receive any product from Coinbase. I submitted a support ticket with Coinbase detailing this fraudulent activity. The support ticket is # XXXX, submitted around XXXX EST on XX/XX/XXXX. They have not responded to my support ticket or deposited the {$500.00} that they withdrew back to my checking account. Attached is my statement balance from my Checking account. I bank with XXXX XXXX  XXXX XXXX XXXX XXXX. I removed my Account Number from my attachment.

Company response to consumer: Closed with explanation