vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 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: Winklevoss Exchange LLC
State: FL

Complaint narrative:
XXXX is an exchange of XXXX to USD and opposite. I have an account with XXXX in XXXX and in USD. My account got frozen by XXXX with no explanation or offer on how to resolve it resulting in the hold of my funds. I am not able to transfer or withdraw funds. I tried to contact XXXX but unsuccessful. They do not have any contact number to call. I have sent 6 e-mails to the customer support ( that is the only mean of contact they offer ) and got 6 generic responses like this : " Hi there, We are experiencing a high volume of requests but are doing our best to get back to you as soon as we can. Thank you for your patience. 

Onward & Upward, XXXX Customer Support '' This has been ongoing for over 2 weeks and I do need access to my funds. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.

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 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech sold my mortgage to XXXX as of XXXX XXXX. They told me that all payments go to XXXX, now they have put on my credit that I still owe them a payment of XXXX for XXXX. XXXX XXXX, XXXX I sent XXXX XXXX for XXXX, XXXX and XXXX payments. Ditech sent XXXX XXXX to my account for overpayment. Now Ditech says I owe them XXXX payment and it shows up on my credit report that I am a month behind. I called Ditech and they are insisting that I make the payment to take this off my credit report, XXXX says that I am up to date on my payments. Attached are my payments and dates for both companies, look carefully at Ditech XXXX XXXX, XXXX the interest for that month is twice what it is suppose to be for a total of XXXX, when I questioned they told me that was what I owed. But I paid XXXX and they put payment of XXXX, try to figure this one out. I would like to have this cleared and my credit cleared up ... ... .notice that I paid more then the required payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not  assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                        XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX             XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.

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 2018-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. 

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. 

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. 

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. 

I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I sent a debt validation letter approximately 30 days prior to receiving a response via USPS from XXXX XXXX. 

They claim I owe a debt to XXXX for {$470.00} In response to my debt validation letter, they responded with a copy of a past due bill from XXXX. 

This information is incorrect. I waited until my time period has expired for the early termination fee and confirmed this with XXXX. In addition, all bills were paid and nothing was due. 

This was removed from my credit report before when a different company was reporting it and now it 's coming back around again when it 's invalid.

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 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
A complaint has been field against NationStar Mortgage/Mr. Cooper, the Mortgage Co. #XXXX. However, Mr. Cooper failed to address several issues.  Mr. Cooper generated a bill that had a wrong amount due, it charges interest on the wrong amount, generated a delinquent statement based on the wrong amounts and calculated the following months amounts due based on the wrong amounts.  Although Mr. Cooper's XXXX. XXXX, 2017 response to the complaint denies receipt of our communication, Mr. Cooper's CEO, XXXX. XXXX XXXX  and XXXX XXXX indeed received the email and faxes.  (See attached proof)  But it's denial is indicative of their poor service.  Along with correspondence, we provided the facts to Nationstar/Mr. Cooper that the amounts it was billing were incorrect and at no time, did Mr. Cooper address our letters/emails.  Rather, it continued to over bill based on the wrong amounts.  We informed it that the amounts were wrong and informed it that it cannot send us delinquent or foreclosure notices based on amounts that were related to the taxes of the property.  It ignored all communications and continue to over-bill.  We requested a call back, which we never received and demanded a refund of all monies that were over billed, charged and forced to paid to avoid foreclosure but instead of refunding our money, it kept part of it and made a payment to the tax collector for the wrong amount.  It paid a much higher amount than was owed.  Mr. Cooper's letter also claims that the account is past due.  That too is false.  Again, it is basing its claims on the wrong amounts.  Mr. Cooper mailed a letter to us advising that we had a point of contact and yet, we have communicated with XXXX. XXXX and all have been ignored.  Mr. Cooper over billed and although it cannot foreclose based on an allegation of money owed to the tax collector and yet that is exactly what it was doing.  We demand a refund of all monies plus interest that were over billed and paid.  We also request of Mr. Cooper to provide a detailed itemization of all charges it includes in the monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PCS Receivables Corp.
State: WA

Complaint narrative:
This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-04 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: NY

Complaint narrative:
I had purchased a bitcoin from coinbase, the transfer of funds from my bank into coinbase went smoothly but when cashing out and requesting the transfer back to my bank account they have not done so.  This was XX/XX/2017 and the estimated transfer time according to the website was 48 hours. It is now XX/XX/XXXX and still my money has not been transferred back to my bank a total sum of $XXXXI have contacted them through the support link of the website and had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have three unauthorized credit inquiries on my Equifax credit report. One unauthorized inquiry is from XXXX dated XXXX/XXXX/XXXX. The other two inquiries are from XXXX. One inquiry is dated XXXX/XXXX/XXXX and the other is dated XXXX/XXXX/XXXX. I did not request theses credit inquiries from these two online/mail order clothing companies.I already have credit cards with XXXX and XXXX. I also contacted XXXX and XXXX and spoke to customer service representatives and they stated that they have no records of the credit inquiries that are on my Equifax credit report. I do not know why theses hard inquiries are appearing on my Equifax credit report when I did not request theses hard inquiries. I did not ask for credit card increases neither because XXXX and XXXX periodically give credit card increases. I want theses three credit inquiries removed from my Equifax credit report. Equifax has not removed theses three credit inquiries after I dispute this with them two times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XXXX the XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.

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 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I just received notification from XXXX XXXX XXXX that a collection was added to my credit report. According to XXXX XXXX XXXX it was reported inXX/XX/XXXX I had to XXXX  the company on my credit report and found that they were a collection agency. They are claiming I oew # XXXX but I do n't know who I supposedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One 360 has not gave me my rights as a citizen of the XXXX, to let me spend my or use my Capital One 360 Account since I open it, the excuse they gave me was I was not XXXX XXXX, I was a FRAUD And I answered all the questions correctly and they still denied me my account, for over 6 years. I think it 's been over 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XX/XX/XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX  XXXX , should not appear on my credit report. Starting in the spring of XX/XX/XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, TransUnion, and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX, and the hit to my credit was not removed.

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 2018-01-04 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: EQUIFAX, INC.
State: CO

Complaint narrative:
A series of parking tickets were accumulated by my wife through XXXX  XXXX  University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the National Consumer Assistance Plan: XXXX , should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, XXXX, and XXXX. However, all three did not apply the National Consumer Assistance Plan, and the hit to my credit was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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:
I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX, XXXX Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Wrong : XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2018-01-04 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
I tried to register With XXXX They said that my mobile telephone number is already registered to an account. I asked them to close that account. They require that I provide them with the email address used to open the account. I have no idea. I control the telephone number and I want it used exclusively for my personal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card : XXXX was lost/stolen on XXXX XXXX, 2018, someone made over {$20000.00} in fraudulent charges/transactions. The fraudulent charges/transactions dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Date : XXXX XXXX2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX is not my address or has ever been any address of mines. Please provide document proof to me or Remove/Delete

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 2018-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am not able to withdraw funds from three UGMA accounts ( I am the custodian of the accounts ) at Ally Bank because the bank is basically unreachable. Recently, its telephone wait times have been ridiculously long and it has not responded to secured messages that I sent to it on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I complained to the bank about both the long wait time ( about 1 hour ) to reach a customer service representative and its inoperative chat system. Ally Bank never responded to that secured message. 

On XXXX/XXXX/XXXX, I sent a second secured message to Ally Bank because the wait time to speak to a customer service representative was about 40 minutes. This time, I gave detailed instructions about the three withdrawals that I wanted to make. Ally Bank has also not responded to this second secured message. 

Today, XXXX/XXXX/XXXX, the wait to speak to an Ally Bank representative is again about 30 minutes and its chat service is once again unavailable.

Ally Bank is an Internet Bank and needs to be easily reachable by both telephone and its chat system. It should not be allowed to conduct business in this manner.

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