vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I contacted XXXX XXXX and asked them to verify the debt as well as XXXX contacting them on my behalf since XXXX XXXX and they have not responded nor verified the debt. I have another case pending in XXXX County, Georgia unrelated and saw on their clerks website that XXXX is trying to sue me but I have not been notified or served anything regarding this debt. This company refuses to verify I owe this debt and the amount.

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: Ditech Financial LLC
State: NY

Complaint narrative:
I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried to use my Citibank ATM card in XXXX XXXX, XXXX XXXX, XXXX on XX/XX/XXXX but my card had been blocked. This happened in spite of following their explicit instructions to call them before I travel and to confirm a similar ATM withdrawal transaction over my cell phone on XX/XX/XXXX. 
In this case, Citi ( again ) tried to confirm an ATM withdrawal on XX/XX/XXXX via my cell phone which I did not have with me at the time and even though I was able to validate the transaction later through an email Citi sent me ( see attached ), they STILL blocked my account today. 
This is not the first time this happens. It has happened multiple times in the past. And I have followed their instructions every time to avoid card blocking to no avail. I have complained multiple times over the phone, over email and via letters to customer service, all falling on deaf ears. 
I understand the need to protect customers from fraud but if a customer follows their instructions this should not happen as often as it does. It 's simple : their system does not work. 
Citi should be penalized severely ( hundreds of billions of dollars ) for not investing in their systems appropriately. It is the only way they will learn.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
Southern Management Systems is currently attempting to collect a debt that I do not owe. My original contract with XXXX XXXX, was paid in full. Before Southern Management Systems obtained this " debt, '' I asked for validation from XXXX XXXX. I have NEVER RECEIVED VALIDATION that this debt is owed.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Date : XXXX XXXX 2017 Report # XXXX Experian has on XXXX XXXX XXXX XXXX showing {$1900.00} as written off I need from from Experian from XXXX XXXX XXXX XXXX there was {$1900.00} written off. 

This car was traded in on another car with the title.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Date : XX/XX/XXXX Report # XXXX Experian has on my credit report XXXX XXXX as {$770.00} showing as written off. 

there has not been nothing by Experian as proof of this amount from XXXX XXXX. 

I have provided from XXXX a letter from XXXX XXXX in which does not state no money owed. 

I sold the car to a buyer in which is recorded with Califorina DMV in which if there was a balance stated by Experian why did I have my title. 

I have provided proof from XXXX XXXX letter Dated XX/XX/XXXX I need proof other wise by Experian something showing from XXXX XXXX this amount of {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: WV

Complaint narrative:
The XXXX XXXX XXXX website was down whenever I went to make my payment, which resulted in my payment being overdue. Further, the link to enable auto pay on the website does not work, so I could not have even setup Auto Pay to avoid this issue all together. The office that I am supposed to call into to resolve problems is not open, and overall I find this ridiculous for a credit company to have these flaws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have tried connecting my account to my XXXX account and they have repeatedly blocked my access.

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 status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Date : XXXX XXXX 2017 Report # XXXX Experian has by them being Experian that this account is to go positive in XXXX show how is it if the account has not been late so long to go positive as stated by Experian. 
As Experian states : Your account that may be considered negative it seem worded on way by them to use to there advantage against a consumer as they sell consumer information for there benefit as to what is positive. 

So Experian puts your accounts in this : Your accounts that may be considered negative section on there credit report in which they do n't want to justify if payments have not been late in over 18 months/ 24 months. it seems like deceptive practice with a consumer by there wording

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I initiated two withdrawals to my bank via wire through Coinbase because I wanted it " instantly '' and paid the fee to do this. One was for {$410.00} one was for {$250.00}. Estimated payout was XXXX and this transaction was initiated on XXXX. The sell history on Coinbase says " completed '' but I never received the funds to my XXXX XXXX account. I contacted support several times and filled not one but two tickets. I also contacted a Coinbase representative on XXXX and he said to be patient but again no progress whatsoever. This is wrong and illegal to be holding someone 's money like this. I still do not have my money or any answers.

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: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX XXXX submitted an unauthorized payment of {$58.00} that was deducted from my credit union account and created an overdraft and overdraft fee.

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: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC
State: NY

Complaint narrative:
On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. 

I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. 

Please look into this and advise how I can proceed. 

Thank you. 

XXXX XXXX

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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07 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: OR

Complaint narrative:
Wire withdrawals marked " transaction completed '' on XXXX XXXX and XXXX XXXX made from Coinbase to verified savings. However the funds never came through and I have been unable to reach Coinbase support by phone or email. I have additional funds in Coinbase that I am now afraid to withdraw because {$5000.00} in wire transfers have seemingly vanished out of thin air and I have been trying to reach support for over two weeks.

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 was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn Law Group has put a judgement on me and wage garnishment over a XXXX  account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: HI

Complaint narrative:
Multiple ILLEGAL ROBOCALLS that have been reported to the XXXX each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is XXXX from XXXX and XXXX debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!

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: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My credit report all messed up and it should be excellent I have had no credit card no car payment no house payment It 's XXXX 2014 is when XXXX and TransUnion messed up my score it 's XXXX please help me I 'm homeless due to XXXX XXXX A XXXX Veteran Dependant Survivor Not only that my family are upstanding citizens that owned there own business in XXXX Oregon my grandfather used to be a XXXX when they used to drag logs by horseback my father very well renound was a XXXX in the same shop That house was in our family for over 100 years Please fix things I deserve a much needed brake I also have a Meteor That 's huge

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 transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Company : Coinbase In XXXX of XXXX I opened an account with Coinbase to invest in Bitcoin. I invested money with Coinbase over the past 8 months. At the end of XXXX XXXX locked my account ( unable to buy/ sell or close the account ). I got an a e-mail that " I was too young to have a account with them and to contact their support team. I am XXXX XXXX XXXX and born in XXXX. I emailed them and got no response for 5 days. I finally got a e-mail back that said they would look into it and get back with me. No response for the next week. I called their customer support number and after being on hold for over one hour was told that they have given my concern to the support team and they would contacdt me. One more week went by. I called them again last week ( after being on hold for over one hour ) and again told there was nothing they could do and they were behind and they would get back with me. One more week has passed with no contact from coinbase. They have all my money but have locked me out and will not help me solve the problem after 3 weeks of trying to get help.

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 was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX has put a judgement on me and wage garnishment over a discover account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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 account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax

Company response to consumer: Closed with explanation