vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 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.
State: MO

Complaint narrative:
Hello, I have previously reached out to Coinbase in three separate emails, but have not received a response. Coinbase states account issues must be resolved through email and can not be resolved through phone support. I simply want my money returned. I have included a timeline below : XXXX XXXX, XXXX - Purchase {$650.00} of XXXX, XXXX, and XXXX using Coinbase. The purchases were effected through the used of a linked XXXX XXXX account. At XXXX on XXXX XXXX, I received a notice of closure email from Coinbase stating I had violated the terms of service, and that my account would be closed. I have reviewed the terms of service and am certain that I did not violate them in any way, shape, or form. The same day I noticed that I had {$650.00} of pending ACH on my bank account. This was fine as I thought it would fall off. 

XXXX XXXX, XXXX - Coinbase withdraws {$650.00} from my bank account. I checked my " closed account '' page on Coinbase which indicates that I have no money in my XXXX, XXXX, XXXX, or XXXX wallets. I was very concerned as Coinbase treated my account as having been closed out with zero balances despite withdrawing {$650.00} from my bank account. 

I have yet to receive a response from Coinbase and believe that the company has wrongfully withdrawn money from my bank account. If there is a reason for the current issue, I simply want an explanation. At the end of the day, I only want my {$650.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/X/17, I deposited a check for {$940.00}, and a hold was placed on {$640.00} due to the fact that I had had multiple overdrafts in the last XXXX months. The held funds will be available on XX/XX/17. Unfortunately I have an automatic payment set up for my car insurance that is withdrawn on the eigth of every month, which because the funds were held, has overdrawn my account. I called the bank and spoke to a representative who stated that overdraft fees will be applied until the funds are released, and that there is nothing he or anyone at the company can do. I feel that this is unfair and dishonest. I deposited the funds into my account and there is enough to cover the overdraft, so there is no reason for me to be charged because the bank has chosen to hold my funds.

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I refinance home mortgage with Wellsfargo locked rate of 3.75 % 15 years. Within 2 weeks before it closed, Wellsfargo raise interest rate to 4.00 %. Wellsfargo is bake and switch. I am demanding Wellsfargo honor interest rate that both parties agreed on 3.75 %. I will provide documents pertains to my refinance. 

XXXX 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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
Amerihome Mortgage has changed their website and now I am locked out and have been trying to get this handled the last few days. I have tried emailing them and have been told I have to re-register but when I try the site tells me I am already registered, I try resetting my password but never receive the email, I have tried calling and was bounced around after talking to two different people and left on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
XXXX I signed a consent form with XXXX XXXX/ Monterey Financial Services , XXXX XXXX Loans, not informed of what all this was really truly about. {$57.00} began coming out of my account each month beginning XXXX. 
-After figuring out that this was fraudulent, I tried to cancel the contract with XXXX XXXX Loans and was informed it was n't possible unless it was 10 days after I signed it. 
-I have many of emails stating I wanted to hear the voice recordings of where I gave my routing and account number/bank information, I never received such. 
-I also knew it was fraudulent because someone emailed me asking for my password. Which caused me to call my servicer, because I knew that was not correct. 
-My servicer informed me that it was fraudulent because this company made up a password and federal student aid account for me to fill out information on my behalf. 
-I am now doing the work myself, filling out all forms and submitting them myself without any help from anyone. 
-There is a stop payment on my account so no money will be taken out anymore. 
-My bank filed a complaint also. 
-Now I am being harassed with phone calls stating this matter will be given to collections. 
-but, I am confused of how if this is fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hi, I received a notice from Midland Funding LLC in regards to a debt that I have no prior knowledge of for the amount of {$570.00}. I believe this is a mistake and I have notified Midland through an online dispute and would like to get this removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I wen t to purchase money orders for my XXXX and XXXX insurance and beacuse of the poor customer service i decided to cancel one of the money orders purchases before it was executed. i handed over the teller {$2500.00} upon cancellation she gave me back {$2400.00}. i called to inquire about my missing money and i was given sarcastic disrespectful attitude over the phone and was told that its store policy that i must count my cash in front of the teller. Is it store policy to con your customers. Im sure i will never get back my money but i want corporate to know the kind of people they have representing their brand. i was just stolen from and there is nothing i can do about it. the address of the the western union is XXXX XXXX XXXX in XXXX, XXXX thank you and hopefully at least someone reads this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XXXX XXXX, XXXX my back made an auto pay to XXXX XXXX XXXX XXXX/Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, in the amount of {$180.00} I will attach a copy of the cleared check. 
On XXXX XXXX, XXXX the check cleared my bank, but my account with XXXX XXXX /Synchrony Bank was still due,. 
On XXXX XXXX, XXXX I received and email from this bank telling me my account still due with late fee interest. I call this bank right the way and told them I made the payment as I mentioned above. They waved the late fee, but my account is still due in the amount of {$180.00} on XXXX XXXX, XXXX. The rep told me to fax them a copy of the cleared check, and it will take up to XXXX to result this. I faxed and confirm the fax went through on XXXX @ XXXX. 
I called to follow up on XXXX/XXXX/XXXX @ XXXX phone # XXXX spoke with a rep name XXXX, he said raised dispute in the case of missing payment. 
On XXXX/XXXX/XXXX I went ahead and paid the {$180.00} so that I wont be late, and counting that they will find my first payment and credit me back. 
On XXXX XXXX I called again spoke with XXXX &  XXXX/supervisor told me refund check will be sent arrive in 5 to 15 days. Two weeks past no check. 
On XXXX XXXX I called again spoke with XXXX stated nothing show of check being sent out. Then I asked to speak with a supervisor, at XXXX XXXX/customer service said will work on credit {$180.00} back to the card with in 5 to 15 days. 
On XXXX two weeks later nothing has been done, @ XXXX I spoke an account manager came on name XXXX said ; on XXXX someone discovered the {$180.00} applied to the wrong account and he will request to putting the $ back into my acc, and will have a resolution on Monday XXXX and XXXX will call me back. Again no one call me back. I called back to find out no one has done anything about it. 
On XXXX I got on chat with this back instead with XXXX XXXX, to find out the same thing nothing been done, some is working on it and will call me back within 48 hours, guess what have not heard from them. 
On XXXX got on chat with them again, chatted with XXXX XXXX and supervisor name XXXX XXXX, told me the same thing again we are investigating it and will get back to you. 
On XXXX at XXXX spoke with XXXX XXXX and XXXX XXXX and then abck to XXXX XXXX XXXX XXXX told me to fax the copy of the check a gain so they can look for this money. This will take another 2 to 3 weeks. 

I still do n't have my $ back after almost 3 months.

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 2017-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Note : This is not a duplicate complaint. 

Case number ( s ) : XXXX XXXX The company answered the CFPB requests regarding the RESPA violations/failures and the alleged foreclosure sale of my property. 

1. In a XXXX XXXX, XXXX response to the CFPB the company ( OCWEN ) acknowledges that they received the " QRW '' in accordance to RESPA on XXXX XXXX, XXXX - as my response to the " default notice '' sent to me. They also acknowledge that they DID NOT RESPOND in accordance to the RESPA law, and only answered after I made a complaint with the South Carolina financial regulators. The company ( OCWEN ) admits that they responded on XXXX XXXX, XXXX and XXXX XXXX, XXXX, which is XXXX ( XXXX ) months after they received the " QWR '' from me. RESPA requires that the financial entity respond to the creditor within a very specific time frame and in a very specific written manner. 

In this answer of XXXX XXXX, XXXX OCWEN states that they validated the debt and owner of the property. The fact remains, they did not comply with RESPA and the FDCPA and proceeded with foreclosure actions with the law firm they mention as " their foreclosure attorney, XXXX XXXX XXXX ''. 

2. FORECLOSURE SALE : In response to my complaint about noticing me by US Mail that a foreclosure sale was scheduled on my home in XXXX, they again state that there was a sale scheduled for XXXX XXXX, XXXX, but conveniently do not have any records or documents to substantiate that. 

FACTS : My husband XXXX XXXX and myself visited the XXXX XXXX XXXX, XXXX South Carolina in person today. We were assisted by an assistant to the XXXX XXXX XXXX, XXXX XXXX in searching the courthouse records for the alleged XXXX XXXX, XXXX " Notice of Sale ''. After searching the entire physical file on my property and that foreclosure action, it was VALIDATED that there was NO SALE scheduled by the Court of Common Pleas , XXXX of XXXX South Carolina. We reviewed the entire file and and XXXX XXXX searched her computer database to no avail. It was absolutely confirmed that Special Referee, XXXX XXXX, no one in his office ever issued a " Notice of Sale '' to the Clerk of Court or anyone else. 

I am including the specific names and phone contacts for the Clerks and XXXX 's office ( s ) who can valid the statements above. 
XXXX XXXX - Clerk of Court Assistant, XXXX XXXX, SC. 
XXXX Presiding Referee in foreclosure case : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX OCWEN LOAN SERVICING, LLC is stating facts that are not true. They have caused great harm to me and my family by issuing false statements and putting fear into our lives by these actions. There is no proof greater than the court itself and they have never received any notice to sell our property in foreclosure. 

If OCWEN states that the records are not obtainable it is because they do not and never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 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: NY

Complaint narrative:
I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. XXXX and transunion just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. XXXX and transunion want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact XXXX and transunion

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 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OR

Complaint narrative:
I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, Navient is using a collection agency called XXXX XXXX to collect the debt. XXXX XXXX sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted Navient, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to XXXX XXXX I asked the representative, XXXX XXXX" to request a letter from Navient confirming the proposed debt settlement. The XXXX Interstate representative stated "Navient will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
On XXXX/XXXX/17 at XXXX XXXX XXXX XXXX XXXX in XXXX, Alaska called demanding payment on debt that they refuse to show proof of. When I asked for proof they only send a statement from their firm with no actual contracts or ER visit dates. The " proof '' that they did send had another client 's name and birth date. When asked for further proof that had my name and birth date on it I was screamed at and told that they would not provide it and demanded payment. The employee, who is female, is exceedingly rude and very unwilling to send further proof. I believe that XXXX XXXX is trying to collect payment from me in a fraudulent manner. Their representatives are very aggressive and will shout and argue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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:
dear cfpb I 'm using a Coinbase e-wallet. But the last time i wanted to login, my account ask for a 2 step verification via a XXXX app, but i have never activate a verification from this app. I do n't have this app. Since a few days i tried to fix my login and contacted many times the coinbase support, but without any answers. Now i ca n't use my wallet and my deposit is unattainable for me. That 's really bad, because i have more than thousand euro on my account. Can you help me to get support from Coinbase? I 'm hopefully waiting for your answer. Best regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have 2 separate debits that were UNDER {$5.00} each that I am now being charged {$35.00} fees for each one. I was under the impression by the bank that debits under {$5.00} would not accrue a {$35.00} fee. This is absolutely outrageous and I was told that I would not be charged a {$35.00} fee for something under {$5.00}. I spoke with a customer service rep and was told not to worry about it, I would not get fees. In fact, I was told that " most banks to not charge fees for debits under {$5.00} ''. Why is this bank allowed to do this when I 've been told otherwise?

Company response to consumer: Closed with monetary relief