vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
On the date of XXXX XXXX - XX/XX/2017 UTC I made a sell order of XXXX Ethereum, trade ID XXXX. The " price locked in at that moment '' was ( USD ) {$2600.00}. But the transaction went through at the price of ( USD ) {$740.00}. 
This in direct correlation to the false entry in books, reports, statements and fraudulent pretenses, includes the intentional technical inaccuracies and price chart errors from the approximate dates of XX/XX/XXXX-XX/XX/XXXX and to this current day, where Coinbase/GDAX maintains a false record to the price of Bitcoin, Ethereum , Bitcoincash and Lightcoin cryptocurrencies according to the price chart. Coinbase/GDAX has drafted a fraudulent user/legal agreement in compliance with Local, State and Federal laws, rules and regulations.

After having through much diligence, found that first and foremost, 12 CFR 1005.9 - Receipts at electronic terminals ; periodic statements is being violated. Specifically under section, ( 1 ) Amount. The amount of the transfer. A transaction fee may be included in this amount, provided the amount of the fee is disclosed on the receipt and displayed on or at the terminal. And ( 6 ) Third party transfer. The name of any third party to or from whom funds are transferred. And ( 5 ) Address and telephone number for inquiries. The address and telephone number to be used for inquiries or notice of errors, preceded by Direct inquiries to or similar language. The address and telephone number provided on an error resolution notice under 1005.8 ( b ) given on or with the statement satisfies this requirement.

Including, 18 U.S. Code 1001, 18 U.S. Code 1005, 18 U.S. Code 1007, 18 U.S. Code 1343, 18 U.S. Code 1344, 18 U.S. Code 641. Also including applicability in, 12 CFR 1001.1 Under ( 12 U.S. Code 5481 ( 15 ) ( A ) ( ix ) and ( 15 ) ( A ) ( xi ) and ( 26 ) ( a ) ( i-ii ) and ( 28 ) ( a ) and ( 29 ), 12 CFR 1005.1 ( a-b ) 12 CFR 1005.16, 15 U.S. Code 1693f and 1693m and 1693n, 15 U.S Code 78e I have contacted Coinbase/GDAX with communication for a period of over two months, with another legal issue of the " Coinbase Support Team '' acting as legal  intermediary. And failing to direct me to the correct accepted legal agent of service, after I stated I would seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is regarding my Barclays credit card. I last paid an annual fee on it on XX/XX/XXXX. Since then, for more than a year, I have not used the card anywhere. I had lost the card and requested a replacement card sometime in the summer of XXXX. I never received a replacement card. In XX/XX/XXXX, Barclays charged me an annual fee on an unactivated account. I did not realize there was a fee pending, and they reported late payment to the credit bureau, after which I realized they had charged me for nothing. When I called them, they said my cardmember agreement says fees will be charged automatically every year. When I asked for a copy of the cardmember agreement that I had signed up for, they refused to send one and insisted that it will only be sent by postal mail within the next 30 days. They refused to cancel or withdraw the fee, nor were able to explain how they could charge annual fees to an inactivated card. On top of that, my credit score has now been harmed.

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 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to  validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2018 XXXX XXXX allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
My loans were paid in full in XX/XX/XXXX, I thought I gave Navient ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send Navient a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if Navient is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to  purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 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: Capital Accounts, LLC
State: CA

Complaint narrative:
Multiple attempts have been made to remove a fraudulent/misfiled account from my XXXX credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
In XX/XX/2017, I called Credence Resource management ( XXXX ) to ask them to change the amount that was being automatically debited from my checking account for a medical debt that I owed. They had been withdrawing {$200.00} per month until the debt was paid. When I spoke with them, they told me there was good news, that the debt was already paid in full and in fact, they had taken out two months payment over what I owed so they owed me a refund of {$400.00}. They told me they would be sending me a check with the refund shortly. I never received it. I have spoken with them 7 times now, as of 6 months later and still, after various excuses about why I have not gotten the check, they still promise to send it. They have records of all the times I have called about this. They admit to owing me this money. I have no idea why they continued to take money from my account after my debt was paid in full, and I am sure they planned to continue this as long as I allowed it to go on. I told them the last time I spoke with them that I will be going to higher resources to get my money back. They promised me a check coming expedited delivery by Wednesday, XX/XX/XXXX, and nothing. I need help getting this refund to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This is my second complaint against LoanCare. You provided me with a letter stating that you had contacted LoanCare regarding my first complaint. The information they gave you is inaccurate. This I can address at a different time. They stated to you that they would reimburse penalties for late taxes because the late taxes were due to their error. They requested that I submit proof that I paid the taxes and the penalties. I did so, by email on XX/XX/2018. I sent follow up emails on XX/XX/2018 and XX/XX/2018. I still haven't received my reimbursement, nor any contact from LoanCare. The amount that is due is 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 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX  ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

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 2018-06-06 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: MS

Complaint narrative:
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

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

Complaint narrative:
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

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 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Friday, XX/XX/XXXX, an online payment was made from my Wells Fargo checking account to a Wells Fargo credit card. Instead of making the minimum payment as intended, the full credit card balance was paid. This error was noticed within minutes, as my checking account was almost totally depleted. We called Wells Fargo immediately, and were told no action could be taken until the payment posted to the credit card account on Monday, XX/XX/XXXX. WF said a representative would call us on Monday to confirm a payment reversal. I received no such call. I called WF on Monday, XX/XX/XXXX and explained the situation. We were informed that the error would be corrected in one business day, and that the cash would be back in my checking account on Tuesday, XX/XX/XXXX. This did not occur. On Wednesday, XX/XX/XXXX I spoke to at least four WF representatives, including XXXX XXXX, XXXX XXXX ( who hung up on me after transferring my call at XXXX XXXX ET on XX/XX/18 ), and XXXX XXXX ( Case Analyst Manager in the Executive Office in XXXX, AZ ). All informed me that my case could be " escalated '' and " investigated, '' but none could explain where my money is or when I could expect it back in my checking account. I repeatedly explained the dire financial circumstances lack of access to these funds ( approx {$2700.00} ) was creating for my family, and yet no one could explain where the money was or place the funds back in my account. I was repeatedly told that the representatives, " understood my frustration, '' and that the " one business day was correct, '' with no acknowledgement of their error or the bind in which I have been placed due to the lack of appearance of funds in my account. I was told by XXXX XXXX that WF " corrects errors '' and as a policy does not compensate customers for errors made by the company. XXXX XXXX 's supervisor is XXXX XXXX, who is a Case Manager II in XXXX, AZ, but I was told she does not accept phone calls from customers.

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 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In XXXX of XXXX I received a letter stating that information was needed to verify comprehensive coverage of insurance of my property. This information was sent in multiple times to Roundpoint Mortgage Servicing through fax, email, as well as through their own website. However, through multiple phone calls and contacts with the company they claimed they did not receive this information. A policy was forced placed on my mortgage which I refused to pay. A late payment remark was made on my credit report XXXX well as my co-borrower 's credit report in XXXX of XXXX due to my refusal to pay the additional amount request by RPM Servicing ( Roundpoint Mortgage Servicing ). I was never given an opportunity to pay solely the principal and interest which I was obligated to pay until beyond the original payment being in excess of 30 days late. Multiple attempts were made to fulfill my obligation to RPM Servicing prior to the 30 days delinquency. Currently I am attempting to make my XXXX payment and they manner the previous payments have been applied does not allow them to do this in their system.

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 2018-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My mortgage has transferred lenders 3 times since it's inception. I accepted and understood the loan would carry PMI. I requested for the PMI to be removed and the lender agreed to research this for me. The lender determined the loan did qualify to have the PMI removed and did process the removal promptly. I then requested a reimbursement for having paid the PMI longer than necessary. The lender stated that the consumer was supposed to request PMI removal when the Homeowners Protection Act of 1998 states it is supposed to be initiated by the lender once the loan to value arrives at 78 %. My loan is at 75 % and has been below the requirement of 78 % for some time. I asked to be reimbursed and was told that is not an option because the lender claims it was my responsibility to call and request for the PMI to be removed. Also, I spoke with the PMI department several times and none of the representatives were able to confidently explain what the Homeowners Protection Act is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX because of my credit score had drop they informed me that I had a collection of {$1800.00} from XXXX XXXX XXXX The orginal Company was XXXX XXXX XXXX for a move out fee I immediatly call both companies explaining I diid not received notice of this debt from either companies. I spoke to an agent on XX/XX/XXXX about this and they told me that I owe {$1100.00} after they did some deductions for a cleaning fee I said that was redicious amount for a cleaning fee etc. I lived there for 1 yr and paid my rent in full and didnt renew my lease in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and XXXX XXXX was included in my case.. I file chapter XXXX to clean my debt and start over to become a home owner again I have work hard for the past 4 yrs on my credit trying to fix things and make my score higher I was at XXXX even thoe i filled bankrupcty icontiune to make my payments on time an keep an accurate acount of my credit report each month I was victim of identity theft in XX/XX/XXXX and its been hard on me and my credit report. I paid all my debts and was collection free until this.

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