vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: PA

Complaint narrative:
Starting XXXX/XXXX/XXXX State-Bridge became my loan servicer for my mortgage account that was previous held with XXXX XXXX XXXX. Since State-Bridge took over I have nothing but problems. 
First, starting with the billing. From the date they became the servicer in XXXX all the way through XXXX of XXXX the billing statement were not correct. It was n't till XXXX of XXXX when the bills became to look normal. At this time, I was informed there was an over payment to the Escrow account and a refund would be issued, payment would decrease. Beginning of XXXX I notice on the billing statements being sent that our LTV ( loan to value ) ratio was showing at 114 %. Still to this day I have yet to get any answer or response to why this is. When I attempted to call State-bridge regarding this they continuously tell me that is what XXXX reported to them. I have a letter from XXXX stating this is not correct. In addition I recently got a notice that my Escrow Analysis have a deficit for the year of XXXX in the amount of XXXX. On XXXX/XXXX/XXXX I spoke to XXXX on a conference call with myself and husband around XXXX est time. We spoke to rep name XXXX, he stated that the shortage was created due Statebridge not having proof that I had homeowner insurance, only later to find out when speaking to XXXX ( sup ) and a conference with their vender that deal with insurance was told no this is not the reasoning for the short fall. 
Going over the statements printed in XXXX my husband and I realized the billing for each statements varies, for example one month there was not any PMI insurance charge and the very next month its double. Also the statement printed XXXX XXXX the change in the mortgage payment was XXXX after an analysis was done it dropped to XXXX ( unsure why the analysis was done mid year ) and a surplus check of XXXX was disbursed back to us. This is the main issue is the billing, and not being able to speak to anyone in the escrow department. You can only reach State-bridge escrow department via email, and no one answer you directly..

I am unsure why the change in the escrow.. I do n't understand how to you get over payments back one year, nothing change in taxes/insurance but yet its a short fall and no one can answer the question. 
State-bridge sup XXXX XXXX refused to send my any writing documentation of the change to my account. He did not know to navigate on their website. No one I have ever talked to at state-bridge gave me the correct information and their supervisor will admit they need more training.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NC

Complaint narrative:
XXXX XXXX are reporting late payments on my credit dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .When contacting XXXX XXXX customer service about the income driven plan in XX/XX/XXXX, I was giving invalid information. I was told I qualify for the plan income driven plan and my loans will be in forbarence until all paperwork is processed. However some miscommunication cause me to have late payments instead of the forbearance. I have disputed this information server all times. I have reached out to the CEO through several emails no response.This miscommunication has resulted in costly errors, like missed payments on my credit file. Please have them update my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc.
State: VA

Complaint narrative:
In XXXX of XXXX, I had an XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, VA. I was a new patient to the office. They were given my accurate personal contact info, as well as my insurance info. 
There was a separate physician involved in the reading and interpretation of the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Her office generated a separate billing for her service ( {$92.00} due after insurance was processed ). I received the billing and Insurance EOB for the actual XXXX in a timely fashion. The Dr who interpreted the images, her office failed to have on record my address info. I NEVER received a billing for her services. After several months of non-payment, they turned the account over to XXXX XXXX XXXX in XXXX, VA. They also had no address info to accompany the collection account, so they never contacted me either. 
In generating a personal credit report in XXXX of XXXX, I discovered the collection account on my credit report. I contacted XXXX, they had to track it down and explained why I never received notification of the collection status from them ( lack of contact address ). 
I called the medical office, who stated they indeed had no contact address for me ( why the initial registration info was not transferred to them, I do not understand ). They stated they would submit an explanation to the credit reporting agencies ( which they did not ). I promptly paid the bill ( {$98.00} on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. I filed a dispute with details to XXXX in XXXX XXXX. I filed a consumer statement on my account in XXXX XXXX, because it still showed as unpaid. XXXX  continues to show the obligation as unpaid. I have tried to work with them in order to have the status reflect the bill has been paid. They have not corrected the account to reflect this. I did ask for a consumer statement to be recorded on my file, but the account needs to be posted as paid. 
Also, it was not any fault of mine that this account was turned over to collection, yet I am suffering due to the office 's lack of follow through in obtaining my billing address. 
I request assistance in having this account posted as paid back on XXXX/XXXX/XXXX, and what can be done as far as the unfairness of it going to collection in the first place? 

I have attached my bank transactions showing the payment being posted to XXXX on XXXX/XXXX/XXXX. Also the paperwork showing original amount due to XXXX XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have had a coinbase account locked by them and have tried to contact the to reopen the account after they stated i can not have an account if I live in XXXX, I dont live in XXXX I live in the XXXX where the account was opened from. 

I have been waiting for a response to my case since XXXX and have also paid XXXX to call them to which they said they could n't help me with a locked account even though the option I choose was for locked account issues and then placed on hold for 2hrs. 

The case ID number from them Case XXXX I can not gain access to my money they hold to do anything with which is now causing me some distress as I am also being treated for XXXX currently and would like to have access to my funds again for removing back to my account to assist financially. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have a collection account from XXXX XXXX XXXX XXXX on all three of my credit reports in the amount of {$17000.00}. XXXX XXXX XXXX XXXX is failing to properly validate this debt. I originally disputed the account thru XXXX XXXX XXXX and the collection agency sent me a letter on XX/XX/XXXX saying they closed the investigation and attached a credit card statement, which ( in their words ) established its validity. On XX/XX/XXXX I once sent a certified letter of validation and asked they provide me with the contract bearing my signature from the original creditor that i have a legal obligation to pay them. I also asked what method of verification they gave the credit bureaus regarding the accuracy of the account.. On XX/XX/XXXX they once again sent me a letter stating they have completed their investigation of my dispute, attached credit card statements which ( in their words ) established its validity. They sent me the same letter on XX/XX/XXXX with same credit card statements. On XX/XX/XXXX they sent a letter that they have reviewed my dispute and their records indicate they have already responded to a previous dispute that is the same as my present dispute and because of my dispute alleges no new facts an includes no new information they will not be conducting another investigation if they receive subsequent correspondence from me regarding a dispute that has already been resolved. Their office considers this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I sent a letter to OCWEN Loan Servicing, LLC regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that Ocwen did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires OCWEN to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that OCWEN has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Company called my husband on XXXX/XXXX/XXXX, at which time he told them to send something in writing as they would not divulge what the debt was for, etc ... I called them back the same afternoon, twice, trying to get the information from them and was told I could not speak to them without his permission. On XXXX/XXXX/XXXX they called his phone, XXXX, 4 times, on XXXX/XXXX/XXXX they called his phone 5 times, on XXXX/XXXX/XXXX they called his phone 3 times. On XXXX/XXXX/XXXX I asked them not to call his number any longer and to remove it from their list as they were disturbing him at work so I gave them my number XXXX. I have also been receiving numerous phone calls from them on a daily basis and they will not talk to me and only want to speak to him. We have yet to receive anything in writing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I opened a XXXX account on XXXX/XXXX/XXXX to buy and sell cryptocurrencies. I deposited {$3000.00} on XXXX/XXXX/XXXX, {$10000.00} on XXXX/XXXX/XXXX, and {$10000.00} on XXXX/XXXX/XXXX from my checking account to XXXX. 

I noticed a large, unrecognized chage to my credit card linked to Coinbase. The amount was for XXXX and was on XXXX/XXXX/XXXX with a merchant the merchant info COINBASE, XXXX. Since I did not recognize the charge and did not see it in my transaction histories with Coinbase, I contacted Coinbase support. for further explanation on XXXX/XXXX/XXXX. 

Finally on XXXX/XXXX/XXXX, I received a response from Coinbase support. They confirmed they did not see the charges mentioned above on their side and I should contact my bank to investigate. On the same day, I let my bank know that this was not a recognized charge and should be investigated. The amount charged to my credit card was reversed eventually. 

Once the charges were reversed, however, my XXXX account was disabled. I contacted support on XXXX/XXXX/XXXX and only received automated replies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

I then called XXXX support on XXXX/XXXX/XXXX and after nearly 1 hour of waiting was able to speak with a representative. The representative said the restriction may have been applied in error but needed to escalate the case to subject experts who would review the case. But I have not heard from a subject expert since then. 

I 've been patiently waiting for this issue to be resolved, but after months of waiting it seems the only option is to escalate. It seems like my money is stuck now due to an error on Coinbase/XXXX and they are not willing to work with me to come up with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TN

Complaint narrative:
My complaint is about Allied Interstate collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

Allied Interstate calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXXXXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I transferred XXXX bitcoin to my XXXX wallet from another exchange ( XXXX ). In order to do this, Coinbase ( who owns XXXX ) will usually transfer it into my Coinbase wallet, and then it auto-transfers over to the XXXX wallet. 

The Coinbase wallet received the funds fine. I received a confirmation email stating so. Shortly after, however, I received another email from XXXX with the subject line " Attention Required. '' It said the transfer had failed, and to move it over from Coinbase manually. 

I logged on to perform this transfer, only to find that that the Coinbase wallet noted the transfer as " complete, '' and there were no funds in there to manually transfer. On the XXXX side, the transfer was noted as " pending. '' It has been in that state ever since ( over a week now ). It also shows the " estimated payout '' time to always be whatever the present time is when I check it. 

I emailed XXXX support on XXXX/XXXX/XXXX and included all the relevant information ( below ). I received an auto-response giving me a case number ( Case # XXXX ). I have followed up with them by email twice and received no response. I have tried calling and no agent ever comes takes the call, even after 90 minutes on hold. 

I have done other transactions since, but the funds for that transfer remain inaccessible. 

Transfer ID : XXXX BTC transaction hash : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX XXXX, I asked XXXX XXXX XXXX of XXXX XXXX, preside on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas to represent me in a divorce case against my now ex-husband. I signed a contract with her, with her promise to do accordingly. But by XXXX, when the final decree was submitted into the court from my ex-husband, XXXX XXXX had not noticed nor notified me because she had failed to keep track of my case at all. Every time I texted or called, it took at least 3 days or a week before I got her answer, and that was because she was my client at the XXXX I worked at, so when I saw her at her appointment time, and cornered her, i got your case is fine. This had been the face of our working relationship on this whole case the whole time. In XXXX XXXX, the case was finalized without her knowledge and mine. When i pressed her, asking that i wanted my case to be done by XXXX, she said my ex-husband had never responded to her. Turned out, she had never sent anything to him per court log. I pressed and she sent in a jacked up decree which she plastered my name on the front page, and someone elses information in the back, and called it work. So she did not send me a copy like she promised, and at this point, the case was already done! In XXXX, i had another attorney looked into it and discovered this whole scam. I texted and called which she did not answer. I even asked her daughter to tell her to contact me, at which, she did not even answer. I asked Chase bank to get my money back, which I paid with check and debit cards. They said they could not because on the contract said all fees are non-refundable. So i ask you, even when i signed a contract, but if the person refused to do the work, I would still have to pay her? Chase did not have their customers interest at their heart, and did not even try, especially when I have all the proofs that she did not deserve the money. It is my hard-earned money, and my wrongly placed trust. In a million year, I would never thought a person I knew for almost 10 years would do such a thing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my TRANSUNION credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2018-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XXXX XXXX of Attorney XXXX XXXX office has repeatedly called and harassed family members asking for my contact information, even after I have left several messages not to contact anyone, or to contact me at work or my cell phone # for a debt I allegedly owed. I asked for validation of the debt and no response. They continue to ignore my requests and I am not sure what else to do make them stop. I am concerned they will continue to harass family members, friends and continue calls to my place of 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 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection account was added to my Transunion credit report on XXXX/XXXX/XXXX. By collection company called XXXX for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a zero balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report. Ive contacted Transunion on numerous occasions regarding ths matter. Not only were their dispute department representatives rude. But they refuse to help me get this issue resolved resulting in me filing a complaint with your agency. The account was originally handled by XXXX XXXX who later sold the paid medical account to 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