vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Date : XX/XX/2017 Lost access to my email account due to laptop being stolen with the passwords, and not being able to reset the password with email provider I cant access my account on Coinbase which I had XXXX pounds stored in the GBP wallet. I have made another Coinbase account with same email, passport, phone number and contacted Coinbase they have been  looking into it however it has been over a month and still no reply or update, they keep telling me that the specialists are looking into it and that they cant tell me exact date when I will receive my funds back. 

Website : Coinbase.com Funds stuck in the account : 1200+ Cant get any access to the account Serveral emails sent but no help when the funds can be realeased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a company-sponsored 401 ( k ) at Wells Fargo. Starting this year, Wells Fargo does not send paper statements. I never consented to receive electronic documents. ( I have never logged in to the Wells Fargo web site, so I never accepted any consent language associated with logging in. ) I called Wells Fargo. They said that I would have to call back every time I wanted a paper statement, even though they acknowledged that I have a right to receive paper statements.

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 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When I struggled to repay this loan ( serviced by Navient ) after graduation, it defaulted and was forwarded to a collection agency, XXXX XXXX XXXX, XXXX in XXXX. I began making payments in the amount of {$250.00} each month without fail. To date, I have paid over {$14000.00}. I was offered a settlement by the collection agency for 50 % of the total amount - which has been paid. I have contacted Navient to discuss the resolution of this debt, and they have agreed that the {$14000.00} paid to the written-off debt is sufficient. Neither company will provide written confirmation. Additionally, Navient advised on several occasions that the co-borrower/guarantor, XXXX XXXX, would be released from his liability to the loan. In XX/XX/XXXX, XXXX XXXX was contacted by Navient and was inappropriately advised that the loan was active but past due. As stated previously, I am paying the loan on time each and every month to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COOPER HEALTH SYSTEM
State: NJ

Complaint narrative:
In response to XXXX 's representation letter I mailed them a letter to their XXXX XXXX ( the only address on the letter and also their automated phone message confirmed this mailing address ) requesting Verification of Debt and all account documentation. 

In addition to the Verification of Debt request, my letter addressed XXXX 's FDCPA overshadowing violation. XXXX sent out a second letter approx. 2 weeks after their representation letter was mailed demanding immediate payment overshadowing my right to dispute the debt. 

XXXX does not pick their mail up as a method to not respond to inquiries such as mine. When I called XXXX during their normal business hours to obtain another mailing address, every extension went to a voicemail. It was impossible to speak with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: NC

Complaint narrative:
I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account 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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo deposited several checks from a company I did work for into the wrong account. The account the money was deposited into was in no way linked to me or my business nor did it match the name on the checks being deposited. There are roughly {$200000.00} worth of checks that I was paid by a company that the money is now missing. I contacted Wells Fargo and they said to contact the company that I did the work for. The company supplied the checks showing they had paid. But I never received the funds. Wells Fargo deposited these checks into an account with out a signature on the checks. There is only a printed name on the check. Also Wells Fargo did tell me over the phone that the account the money went into was not my account and did not have my name on it. I have attached the referenced checks. Yet Wells Fargo claims they have now responsibility for the money going into the wrong account and have not been helpful in anyway to correct the issue. Wells Fargo is the only one with access to both accounts and I do not know who 's account this money went into.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last year in 2017 I disputed with XXXX and Experian regarding a account XXXX XXXX after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX  XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit

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 2018-01-24 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:
On several occasions since XXXX 2017, I have worked on my credit profile to obtain a mortgage, Ive contacted Transunion and sent numerous documents in supporting wrong, incorrect, and receipts showing their reported balances are wrong, as well as dates reporting, I have contacted their customer service department and been transferred to the special handling department once they put fraud alerts on my file without my consent or asking, and then I contacted, by phone, mail, and email the executive consumer department of Transunion to get matters cleared up, sending countless faxes, email documents concerning a wrongly reported bankruptcy ( old aged ), a requested by creditor deletion, XXXX XXXX, ( old aged ) and as well as Ive paid 5+ credit cards to XXXX and they refuse to correct or report, they sent me a letter stating if I did not stop asking for corrections by the means I used they would delete my credit file from database, basically threatening me, to stop trying to correct their mistakes. I am at the point Ill take this letter to the courts and ask to file a case against Transunion for any applicable reasons herein as theyve intentionally mis reported, neglected request from creditors, refuse to remove old aged derogatory accounts as following the FCRA and are in direct violation of XXXX laws protecting consumers.

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 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have already filed a complaint ( complaint # XXXX XXXX Bank of America responded to that complaint and awarded me {$2700.00}. In their answer to the complaint, they said that when the fraud investigation on my savings account was completed ( Claim # XXXX ) a cashiers check would be written and the account closed. But as of X/XX/2018 Bank of America told me that since my savings account is closed, Bank of America online claims department can not provide the funds in my account to the fact that the Bank of America RISK Department closed my account already, therefore, making me ineligible for the XXXX fraud liability and having my money placed back into my account. I have documentation to prove that the fraudulent transfers were, in fact, fraudulent due to the fact that the Bank of America Debit Card/ATM awarded me those funds that were stolen from me, therefore, proving by Bank of America 's own investigation that the transfers that were made were fraudulent. Bank of America is still holding me 100 percent liable for service charges. transfers fees, overdraft for all three of the claims.

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 2018-01-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On my Equifax credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Last year in 2017 I disputed with XXXX and XXXX regarding a account I.C. Systems after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit

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 2018-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
Hello I am having an issue with XXXX and XXXX XXXX  removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like. 
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights. 
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing with XXXX XXXX all of 2017 with Experian and even when I provide proof that company did n't have the correct information regarding their ownership of the debt or provide anything, Experian still marks it as verified.I also reported company to the CFPB and XXXX XXXX still fails to remove the negative information they have off my credit report.When I called Experian over the phone within the last few days they admitted that they do n't verify the account themselves they use a third-party.But never sent me any proof that they actually did the foot work

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 2018-01-24 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: CHS, Inc.
State: VA

Complaint narrative:
On my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. 

Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. 

I have also reached out to XXXX corporate headquarters with no response. 

I greatly appreciate your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of 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 2018-01-24 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: KS

Complaint narrative:
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX- I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry fromXX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry fromXX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

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