vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX  XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX  passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged.  I have never entered a contract or received goods from the collection company therefore their dispute is null and void. 

I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency. 

Sincerely Thank You for Your Assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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.

Complaint narrative:
Dear support, my wallet and account are disabled for sell and by operations. After I received on XXXX XXXX the deposit from coinbase, the same wallet has been disabled in all operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. 
Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. 
We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, XXXX continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, XXXX, none but 3 inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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 — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I have had a loan from HSBC. 

The monthly payment has been through Direct Debit for the past 13 years. 

HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. 

HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I HAVE TO US ADDRESS, BUT ONLY USED MY MOTHER 'S ADDRESS AT A TIME WHEN CITIZENS BANK WOULD NOT ALLOW ME A FOREIGN ONE. THEY ALSO TOLD ME I HAD NOT BEEN BORN IN PENNSYLVANIA, THOUGH I WAS. THIS IS KAFKAESQUE. FINALLY, THEY SUGGESTED I LOOK FOR ANOTHER BANK. SO ... NOW I FINALLY HAVE A CARD THAT DOES N'T WORK, AND THE BANK WO N'T SEND ME THE PIN. IN SIX MONTHS, IF I DO N'T USE IT, IT WILL AUTOMATICALLY BE CANCELLED. IS THERE SOME LONE RANGER, MASKED AVENGER, OR OTHER, THAT CAN EXTRACT ME FROM THIS  NIGHTMARE? I HAVE BEGUN LOOKING FOR ANOTHER BANK, AND I 'M CONSIDERING HAVING MY RETIREMENT INCOME DEPOSITED AUTOMATICALLY IN MY XXXX ACCOUNT OF 12 YEARS, BUT THERE ARE BUROCRATIC PROBLEMS. HELP ME GET THE PIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I have had two problems with the mortgage since I refinanced. First shortly after I refinanced they raised the cost per month to {$1500.00} a month with the option to be {$1500.00} a month if I sent {$24.00} in. I did send the {$24.00} in but never got the cost lowered or even credit for the {$24.00}. This " escrow shortage '' of {$24.00} I sent in on XX/XX/2016. I called a couple of times without getting results on this. Then I talked to a manager who acknowledged the error and said she would rectify it. She never rectified it and would n't answer the phone or return phone calls after that time. 

My second complaint is that the mortgage company, now called " Mr. Cooper '' has decided my monthly payment needs to be raised again to  " cushion my escrow for any increase in taxes and insurance and has raised my monthly payment by {$93.00}. This outrageous as my initial payment was under {$1500.00} and now is will over {$1600.00}. 

They claim my county tax has gone up {$1500.00}, town tax {$310.00} and my Hazard {$760.00} per year. Those are all pretty hefty sums out of the blue with no notice from those making the purported increase. 

My mortgage will now be {$1100.00} more a year. I 'm having a hard time believing that the taxes and insurance shot this high all of a sudden. Have not heard anything from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I received a letter dated XX/XX/XXXX from PNC where I had two checking accounts asking for {$380.00} that they say was still owed on the business account ending inXX/XX/XXXX, ( see attached ) .. They stated this amount was due and payable at this time. I have real issues with this letter. This started back in XXXX and I have already filed a complaint regarding this onXX/XX/XXXX and they still have not answered yet they feel they can send collection letters. The letter is signed " XXXX '' a Recovery Specialist. XXXX who? Whatever happened to correct letter writing where you would put your full name? The letter has no explanation as to what I owe {$380.00} for. I then went to online banking to see if I could find why this money was owed and was given a screen that says there are no eligible accounts. How convienent for PNC to wipe all this info off their system. ( See attached ) PNC has a way of paying merchants who they want to and who they do n't want to. If the money was not in my account due to a PNC error why would they pay the money out to make my account go negative. I will not be paying any money on this letter. Another class act action on PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX ( XXXX/XXXX/XXXX ), I initiated a SEPA withdrawal transfer from my wallet on Coinbase with the value of XXXX. I received an automated email saying that the money would arrive in my bank account by XXXX XXXX ( XXXX/XXXX/XXXX ). Today is XXXX XXXX ( XXXX/XXXX/XXXX ) and the money still has n't arrived in my account even though on Coinbase the transfer is said to be completed. I have sent multiple support tickets which have n't been responded to. The dates of the supports tickets which got automated responses are ; XXXX XXXX, XXXX and XXXX. I sent XXXX before those which did n't even get an automated response. For a company that deals with consumers money to not respond is outrageous. I have waited over a month for something that was said to take a few days and am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WI

Complaint narrative:
I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have a Coinbase account and decided to withdraw money amount left. 

My transaction is dated XXXX XXXX XXXX STILL PENDING!!! 
code : XXXX amount XXXX Up to today my money never came to my bank account. 
Costumer service replied to my many mails just once saying I need to wait more because they need to fix a problem. 

I waited more than one month to have MY money back. 
Now it 's too much time Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: Franklin Financial  Corporation
State: WI

Complaint narrative:
Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC. 

Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect. 

Please see attachment showing this company is not licensed nor bonded in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I sent two postal money orders to bank of America, but the money orders did not show up on my deposit statement. ( 2 ) I sent them a XXXX money order and they sent it back because they told me they are any good to their business. My car was repossessed but the week before they pick up my car I called bank of America to make sure my payments were up to date and I was told everything was fine. I had receipts for the deposits I had sent and showed them to the reposessor and to bank of America but they did not accept them and my car was towed away. I have been having trouble with this particular bank for the last 2 months. Its as if they are targeting my account with employees or the money order got lost in the mail. Three money orders at different dates and times should not have been lost but it is possible. If it was up to me and they are guilty of negligence, I would have bank of America pay the total cost of the car I was paying for and money for damages. I hope I have written in time to keep others from having the same problem.

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 2017-09-05 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: FL

Complaint narrative:
On XXXX XXXX 2017 - I wired a balance of {$3000.00} from my CoinBase/XXXX Account to my XXXX XXXX Checkings account. The transfer is labeled as completed however my transfer never came in. 

XXXX XXXX is not responsible as the transaction has not been initiated. The funds remain under XXXX XXXX however the transaction is shown as complete. 

I 've emailed support.coinbase XXXX different times. I have opened cases with them and it 's been XXXX business days and I have not heard back. I also opened a twitter account to direct message them about the issue and I 've been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: WI

Complaint narrative:
XXXX XXXX reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the XXXX XXXX was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.

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 2017-09-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have expressed and disputed these accounts with Experian far too many times. I am a victim of Identity theft. I sent a copy off my Identity theft form to these companies. Experian removed them then reinserted them without my knowledge. If any of these accounts or public records were mine Im sure there was no form signed with my signature giving these creditors " AUTHORIZATION TO SHARE INFORMATION ''. I am a victim of identity theft and I have requested signed contracts with my signature for the accounts that are reporting on my credit stating I signed for these credit cards and have not been sent the information. Experian has not verified these accounts because they are fraudulent. The collection account has not been validated and I am aware of my rights from the FDCPA. I requested information from the Collection agency that was not provided. There is a chapter XXXX bankruptcy that does not belong to me. The courts do not release information over the phone to third parties whom Experian is considered a third party. Several credit cards on my credit are a product of identity theft that were removed and reinserted. This has become a problem and I will be forced to file a lawsuit. This is my final attempt. The " LAW360 CLASS ACTION LAWSUIT '' against experian was a major success and I will not hesitate to get another class action law suit started. The accuracy of Experian disputes are BOGUS that is why the class action lawsuit LAW360 was started from Experian inaccuracy disputes. The accounts on my credit report that are a product of identity theft and have been reinserted are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Chapter XXXX Bankruptcy was taken off and reinserted without no validation from the courts for they do not report to the Credit reporting agencies/third party companies. I will not accept another letter from experian stating " these accounts have been verified '' without the proper documentation to go along with it. I will not write a 100 word statement for my credit report for fraudulent information that WILL be removed! Do not put on my credit report without my consent " CONSUMER DISPUTES ACCOUNT VERIFIED '' under these accounts. These accounts are not allowed to be present while in dispute. It is AGAINST THE LAW!!!! REMOVE THEM IMMEDIATELY!!!!

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 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Good morning, I am one of PNC Bank 's Customers. I had a problem with PNC Bank ATM at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on 0XX/XX/XXXX. I tried to withdraw monies {$500.00} from the ATM, however the monies did n't dispense and my account was debited. On the screen of ATM said that my monies got retained. I called customer service, his name is XXXX, he told me that he filed the dispute and refund or credit my monies {$500.00} back at that time or the latest was the day after the incident. 
The next day, XXXX/XXXX/XXXX, I still did n't see the monies, I chatted with online customer service, her name is XXXX. She said that XXXX did n't file the dispute and she needed to file my dispute in order for me to get my monies back. XXXX did n't file the dispute either and somebody ( XXXX XXXX, customer service manager called and I told her everything. She filed the dispute on behalf of me. I did n't understand how bad the services from PNC Bank. My frustration has increased as I went to the branch directly where the ATM had a problem. I talked to branch manager XXXX XXXX XXXX, she told me that there 's nothing she can do to solve the problem as I have to wait for 10-45 business days to get my monies back otherwise I have to wait 45 business days per XXXX to get my monies back. I told her that I am a customer with other banks as well, when I had this issue, the other banks refunded my monies back right away ( at that same day ). I contacted the online customer service today XX/XX/XXXX for some information of PNC Bank 's President Director. XXXX, customer service online did n't want to give it to me instead telling me to wait for 10-45 business days. 
It 's really ridiculous. I do n't think this is a good service from the bank and the bank has violated my right. 
Please escalate this problem as soon as possible and have the bank refund the monies and all compensation that I have been through. 

Thanks

Company response to consumer: Closed with explanation