vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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 non-monetary relief
Consumer complaint received 2017-12-12 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 EXPRESS COMPANY
State: FL

Complaint narrative:
Dear company on XXXX XXXX 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 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: FL

Complaint narrative:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a XXXX Credit Card where I make a minimum payment to since the credit card was opened in XXXX 2013. I was not receiving my statements on time very early on when I first applied for a XXXX Credit Card and was unaware of the due date. I was making multiple payments for one month not knowing it was not reflecting on the following statement. Late fees were assessed and when contacting XXXX they were not willing to work with me on the late fees. The balance was increasing higher and higher and it became an absurd amount which I was unaware of. I have since paid half of the balance owed to my XXXX account. The monthly statements sent by mail were not being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: AL

Complaint narrative:
I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked Transunion for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.

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 2017-12-12 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: MA

Complaint narrative:
Same-day wire transfers successfully sent from XXXX checking account to Coinbase/GDAX ~XXXX according to BofA confirmation e-mail. Opened support ticket XXXX ; still have received no response nor account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I was supposed to receive a payment of approximately {$620.00} in my XXXX XXXX for selling bitcoin on coinbase. Coinbase.com has been unresponsive so far about the missing payment. They shut down their phone line and are no longer taking calls. 

In my account history it says the payments have been complete. However if have not received my owed money yet from them. They have been completely unresponsive so far. 

The transactions are as follows : XXXX XXXX - Checking {$4.00} USD Completed XX/XX/XXXX XXXX XXXX XXXX - Checking {$610.00} USD Completed XX/XX/XXXX So far I can not reach anyone at coin base. I 've tried calling, submitting claims, and messaging support via XXXX. They have stonewalled me so far

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked XXXX for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: AZ

Complaint narrative:
Coinbase.com After years of issue free service, I was told that my " buys are disabled '' and I need to verify my identification. After, identification was successfully verified. Then I was told that my " buys are disabled for unknown reasons ''. I contacted support and they quickly got back to me telling me that they 're looking into it. I created another account with different information and different bank accounts. I was quickly told that my " buys are disabled for unknown reasons ''. I 'm now locked out of my account and I can neither withdraw the money I have nor buy more. I contacted support again and it has been 1 month with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Coinbase closed my account immediately after only two transactions, claiming that I was using my account for purposes not sanctioned by their company 's bylaws. This company deals exclusively with virtual currencies, such as Bitcoin and Ethereum and charge additional fees on top of every transaction you perform and have been known to swindle customers out of vast amounts of money for no apparent reason whatsoever. These customers are only given the option to remove all virtual currencies from their accounts within 30 days or else they will permanently freeze your funds so that they can never be accessed again. In my specific e-mail I was told that I was using my account for purchases or transactions that were " illegal '' when I used my bitcoin to purchase a collectible decoration from overseas and using bitcoin was easier to use than to perform a wire transfer and cost less money to do so. Because I had a problem with the product I received, I could not refund the item because refunds had to be made to the same Bitcoin wallet address that funded the transaction and therefore I am now stuck with a broken product and no way of recouping expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX submitted a hard inquiry for Auto Financing. I had recently applied for auto financing on XX/XX/XXXX and was aware of that inquiry. I 'm not sure why it happened but I did n't authorize the inquiry on XX/XX/XXXX and was no where near a dealership to give that authorization. Shows up XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.

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 2017-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: OK

Complaint narrative:
Coinbase has " blocked '' my account for some reason and wo n't let me withdraw my funds. I have {$85.00} in one of my accounts and have been trying to transfer it to my bank account for close to 3 weeks now XXXX XXXX XXXX XXXX ). Everytime I call them they either hangup in my face or do n't answer. Nothing has been done on their side to try to fix it even after being this patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I purchased XXXX XXXX total of XXXX dollars purchased from coinbase when XXXX was at XXXX dollars on Saturday got the purchase successful message and was expecting the coins to be deposited as was shown on successful message. Coins never showed up in wallet or account. Now going value for XXXX  is XXXX dollars and I am missing the XXXX coins I purchased and the profits from the growth in value. I am very unhappy that there are no people to talk to at coinbase and they have yet to deposit the XXXX XXXX I purchased as well as as the fact that I am losing profits from the investment I purchased on Saturday. The resolution I want is for them to deposit the XXXX XXXX I purchased immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: VA

Complaint narrative:
The Office of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX http : //www.belvoir.army.mil/osja/ ) referred me to your office for help regarding the following situation. 

Capital one is manually charging my credit card account for products I do not have, and services I did not receive. The merchant XXXX XXXX has their products, and did not provide any services. 

So far the bank have manually charged the credit card account {$2300.00}. The dates of the manually transactions are XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time I called the bank for the past weeks regarding these transactions, I was placed on hold and was transferred between the fraud and disputes departments for almost an hour with no one able to help. Every time each department gave me the following information. 

The dispute department said that the manual charges dont make sense and there are no notes or reasons on the account regarding these charges. But there is nothing they can do at this time so I need to talk to the fraud department. Consequently, they transferred me to the fraud department. 

Then the fraud department told me that they dont understand what is going on with the account and that they dont see any reasons for the manually charges. But, the only person that can help me is not available they will have that person call me soon. 

Every time it is the same process and explanations. 

Last time I talked to a representative that identified himself as XXXX XXXX on XXXX XXXX, XXXX at the fraud department, he told me that the name of the representative that was manually charging my account was XXXX XXXX, and that he sent her an email to contact me regarding the manual transactions on the account. Unfortunately, it has been days and weeks and I have not received any correspondences or phone call from Capital One about those charges. 

As an XXXX XXXX XXXX of the XXXX XXXX XXXXy, I work hard every day proudly serving my country. Sometimes I dont see my kids for days. I do not have money to give out for free, and I do not have the time or resources to resolve this issue on my own. 

So please help me. 

Thank you so much for your help, your expertise, and understanding in helping me to get my hard-earned money back. 

Thanks and Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
They keep callin me, I told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My complaint is towards Coinbase where I previously had XXXX euro  stored with them in what I believed was a secure wallet. On XXXX.XXXX.2017 I tried to login to my account at XXXX ( a subsidiary of Coinbase ) which I accessed through XXXX ( the first link in the search ) and was instead taken to a phishing site XXXX, set up exactly the same way as the original site. I tried to login and after two failed login attempts using my XXXX protection codes I recieved two emails, one which stated my email account had been accessed from an unauthorized location, and another to say I had transferred the entirety of my account in the form of XXXX to an unknown address ( screenshots attached of both emails ). After this happened I obviously contacted the company via email to explain the situation, whereby I was reasonably promptly sent a generic reply saying they had blocked my account and asking me to complete a series of questions as a security review. I changed my passwords as suggested and was told I would recieve a reply within 5 days. In the meantime I did some research online and realised I was not the only person to fall victim to this fraud and that Coinbase had been  notified of this security breach as many as 11 days earlier via XXXX ( screenshot attached ) yet failed to do anything about it in order to ensure their customers were suitably protected. When I did recieve the reply a few days later, it was once again a generic response which somewhat predictably washed their hands of any wrongdoing and implied I would not be able to get my funds returned to me. After speaking to others who were scammed the same way and who have since seeked legal advice, Coinbase should be held liable for this breach of security and should refund their customers as they failed to act quickly enough to extinguish the threat. I hereby declare that I would like my original amount of XXXX euro refunded to my Coinbase account and my account unblocked as soon as possible or I too will be forced to take legal action against the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported to my XXXX and XXXX credit reports a collection in the amount of {$20000.00}. There is no account number. I have never been contacted by this company by phone or mail. Please investigate this issue. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have no knowledge of the collection I pulled my credit fill and this collection was listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have no contract with Navy Federal Credit Union regarding this alleged car loan debt acc #  XXXX that is on my credit report that I never took out with them. I never signed a promissiory note that bears my written signature or gave Navy Federal written consent to the alledge auto loan that is showing up on my credit report to all three bureaus. Navy Federal can not hold me responsible for a debt I never took out with them nor sign a promissiory note. So, I want to know why is it on my credit report when it was my spouse loan to begin with when I never signed any agreement with Navy Federal regarding the loan on my credit report that is showing charged off and closed. If Navy Federal can provide me documentation according to pursant to 15 USC 1692g Sec. 809b of the FDCPA. I am respectfully request that your offices provide me with competent evidence and that I have legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of three major credit bureaus this action might constitutes fraud under both Federal and state laws. Due to this fact if any negative Mark is found or continues to report on any of my credit reports by your company or company you represent I will not hesitate I bringing legal action against you and your client for the following violation of the fair debt collection practice act and defamation of character. Please remove this alleged debt from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation