vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Snow and Sauerteig LLP
State: GA

Complaint narrative:
In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XXXX XXXX 2018, I found on my Transunion credit report, someone applied for credit under my information with XXXX XXXX XXXX. I called Transunion to dispute this as fraudulent activity. They told me that I could not dispute a hard inquiry based on the Fair Credit Reporting Act. They said my only recourse was to contact the company and dispute it with them and have the company remove the hard inquiry. I talked to a manager and they told me the same thing. I was confused by this from what I had read and repeatedly questioned why I could not dispute an inaccuracy on my credit report. They continued to say " based on the Fair Credit Reporting Act ''. Please let me know if I am incorrect in my understanding of dispute resolutions from the FTC website and others. I believe Transunion gave me incorrect information and did not provide the correct process under the regulation.

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 2018-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
This is aregarding the nasty, patronizing and unnecessarily personal voicemail left on my phone from an employee of yours -- XXXX XXXX. 

This voicemail advised in a condescending tone that it was " time for me to accept responsibity '' for the debt owed. And that she was going to file for garnishment. And this was AFTER I had informed XXXX XXXX that I was at work and unable to have a conversation about this business matter. Ignoring my plea, she called back four times, then left said voicemail. I would hope that this kind of behavior is not representative of this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
A creditor submitted a redraw of {>= $1,000,000} to my personal bank account of which I did not authorize, did not know about and caused the account to be frozen by the bank. As a result, I have no means of taking care of my family, even buying food and household items needed for them. I can not pay my mortgage or buy gas to take children to school or go to work. 

The background reason is that this amount is from a debt. I borrowed XXXX XXXX to open a restaurant that failed. While I am the guarantor for the loan, this amount and other debt from other businesses are all being included in a bankruptcy. With the bankruptcy, the Suntrust bank where I have my personal checking should not have posted the amount submitted by the creditor and should have at least called or written me to verify. I would have informed the bank that I am in bankruptcy and that the account should not be frozen. 

As I understand, when in bankruptcy, all debt collection should stop until the Court decides on all debt. So I do not understand why my bank will allow this. 

When I called the bank, no information would be given to me except to call a phone number. When I called the phone number it went to a place that sounded like a law firm or debt collection business but no one answered me.

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase I opened an account with Coinbase in the fall of XX/XX/XXXX. In XX/XX/XXXX, Coinbase initiated 2FA for account access, but I was not advised in time and I lost access to the account. I opened a second account and asked them to transfer any residual funds to the second account, which never happened. 

In XX/XX/XXXX I was informed by Coinbase that my account was being terminated without explanation or cause. There was a small residual amount of funds left in that account as well. 

However, the value of bitcoin has risen far higher since that time. What was worth less than {$10.00} is now worth several hundred dollars. I have contacted Coinbase twice about getting the funds returned to me, and their was response was " We have no record of you ''. 

This is nonsense. Under XXXX rules, I was required to submit an enormous amount of information about myself, including email address, physical address, social security number, bank account information, a scan of my drivers license, and more. 

Coinbase should be able to easily identify me and my accounts, and return any funds left in them. To claim that they have no ability to identify me or locate my account records can only be viewed as fraudulent. 

I have no paper records to provide, because getting the information, such as account numbers etc. would require accessing the accounts, which Coinbase has locked me out of. No bank can legally operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
my loan is being managed by XXXX. 
I have been trying to get my repayment plan corrected since XX/XX/XXXX. I have been provided a series of misinformation and horrible customer service. There have been horrific errors to my account including at one point changing my name to my spouses. The company through your help agreed to allow me to make payments for the missed months to count toward my PSLF plan. They required me to recertify I work for XXXX XXXX months early to do so. I have 2 dates listed on my file a computation date XX/XX/XXXX and a station eod date XX/XX/XXXX. They are denied my PSLF application bc the prior application had the eod date and the current one had the computation date. Now none of my payments are being counted towards my PSLF and the back payments I applied ( when I was originally in forebearance during that time ) have counted toward my PSLF either. This has been a total nightmare with me in tears every time I speak with them. The last rep was just heartless and totally empathic especially when it was this company that had disastrously messed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have requested my consumer file from Early Warning Services on two occasions and have not received it. I provided the request along with a copy of my drivers license and a utility bill. XXXX is reporting inaccurate information from XXXX XXXX which I would like to dispute but need the Consumer file in order to correctly dispute the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo closed my checking account for unauthorized charges that I did not make. They have reported me to XXXX and have not provided me with proof of these unauthorized charges or an opportunity to dispute them. Additionally, Wells Fargo closed my secured credit card with no warning and did not provide a reason why. Wells Fargo has been discriminatory against me, and has not provided proof of why they closed my checking account and secured credit account. I did receive a payment from the class action lawsuit however where they admitted wrongdoing on the part of their employees opening fraudulent accounts. Not sure if one of their employees used my account fraudulently.

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 2018-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB
State: MO

Complaint narrative:
I sent the following letter over a month ago and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/2017 I was informed that my HELOC interest rate would be changing monthly. This is not the correct term of the loan. my rate is tied to prime is to to change annually in XX/XX/XXXX. I have called several times and they tell me that the research they did does not show that it is tied to the prime annually. It is very clear on the recorded mortgage that it is tied to prime annually. Also, the max rate is not 18 %. That needs to be looked into also. 

In XXXX I spoke to someone again and they said yes the loan has been set up in the system wrong and it is only supposed to change annually not monthly. We also talked about the affect the hurricane had on me making the payments. She was going to see if they could move the payments to the end of the loan and check on getting the loan terms corrected in the system. I never received a phone call or any documentation in the mail stating that the research had been done, rate change was fixed and a credit given for any overages, and no solution about the hardship during hurricane irma ( 2017 ). 

I continue to get past due letters. I am on a fixed income and am approaching XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
the Loan was paid off in 2015 after it was paid off they refused to release my title stating they added additional fees. i called the company 20 times and requested written verification of these charges and i never received it. They also treatened to add these charges to credit report.. They added this to my credit report and they refuse to take it off

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 2018-01-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: CT

Complaint narrative:
Daily calls four times a day. I spoke to PENNCREDITCORP at XXXX to stop calling me. They started calling more. 
I got calls yesterday at XXXX, XXXX and XXXX. It rings and then stops right away. It shows up on my phone whos calling but if I look up recent calls it doesnt show up. This is very annoying and has been going on too long. If this isnt resolved I will contact the police and report them. 

I dont have a debt with this company or any other company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX ( XXXX ) and I am writing in regards to an issue I have pending with a company called Coinbase ( A crypto currency investment platform ). 

In short, my account, which contained only cash at the time, has been emptied of approximately {$6700.00}. It appears to me as though the account was emptied, deleted and reopened using the same login credentials. I say this as my money, transaction history and all external account links have been deleted. The site makes it appear as though I just joined which is not the case. I have the original emails from Coinbase from when these ( now missing ) transactions had occurred. These transactions include, joining Coinbase, ID and photo verification, purchasing coins, and transferring some coin ( only the BTC ) out of Coinbase. 

The details : I joined Coinbase in XX/XX/XXXX. 
I funded Coinbase originally with {$5000.00} in XX/XX/XXXX. 
I bought XXXX ( XXXX ) Etherium ( ETH ). 
I bought XXXX ( XXXX ) litecoin ( LTC ). 
I bought ~XXXX Bitcoin ( BTC ). 
-All purchases in XX/XX/XXXX. 
I transferred the ~XXXX BTC into a different crypto wallet to execute trades not available within the Coinbase platform, but left the ETH and LTC in Coinbase . 
During this time I was monitoring Coinbase using their app. I had not logged into their site on my laptop for several months. 
On XX/XX/XXXX I sold all of my ( XXXX ) ETH and ( XXXX ) LTC via the Coinbase app resulting in ~ {$6700.00} being deposited into my Coinbase USD wallet as confirmed via the Coinbase app. I did not receive a confirmation email for this transaction from Coinbase although the money could be seen in the USD wallet on the Coinbase app. 
On XX/XX/XXXX I attempted to withdraw my money from Coinbase via their app and send it back to the institution I originally used to fund my Coinbase account ( XXXX XXXX ). The app indicated that I needed to login to the website to complete the transaction. When I logged into the Coinbase site using the same credentials, it began asking for new joiner type information as if I had just signed up ( not the case ). This is when I noticed that the USD wallet indicated a balance of {$0.00} and there was no transaction history to be found on this +6 month old account. 
At this moment, the app was still indicating the correct amount of money, {$6700.00} in my Coinbase USD wallet. 
Next, I logged out of the app and logged back in it. The app now matched the online site with {$0.00} balance, no bank links, and no transaction history. It appears as though I have been scammed. 

I have contacted Coinbase customer service to request their assistance but have not received a reply. I know this is not a huge sum, but it is a lot to me and it is mine. 

If there is anything that you could do to get Coinbase to look into my issue I would be extremely grateful. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Step 1 : What is this complaint about? 
I sent bitcoin from XXXX to XXXX ; however it arrived it Coinbase where the company says it successfully transferred to XXXX, yet the funds are no where to be found. I believe Coinbase lost my money and have been unresponsive so far. Its been a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the FCRA law section 609 credit bureaus have to deleted unproven, noncompliant, unverifiable accounts. Experian is in violation of the FCRA law they are reporting inaccuracies on my credit profile, that they claimed has been verified! XXXX XXXX XXXX has not been verified! The amount that is being reported is inaccurate! I amount owed is {$6200.00} and the term is 73 months.XXXX XXXX XXXX is reporting that I owe {$25000.00} and 81 terms of the loan! This is fraudulent and is in violation of many laws and as a consumer I know my rights and will fully inforce them! I have gathered all correspondents from Experian regarding this account and kept them in my files! I plan to file a lawsuit if this matter isnt resolved in 15 days! I have provided proof that the amount of the debt that is being reported is inaccurate and fraudulent!

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 2018-01-07 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: IL

Complaint narrative:
I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello, I submitted a complaint # XXXX. Citi bank just added the charge back onto my card. There was no explanation. I did not use this company or their services as you can see on my history. They almost doubled my charges 3 days before the move so I cancelled the move. 
I would greatly appreciate your assistance with this. 

Thank you, 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 2018-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/XXXX. 
We have been going round & round with Nationstar Mortgage ; who has turned into XXXX XXXX XXXX, since XX/XX/XXXX. We tried repeatedly to get a mortgage modification for months and finally received one in XX/XX/XXXX. We made our 1st payment on the modification and 2 days before our 2nd payment was due, we received a letter stating that there was a signature missing on one of the pages. They were going to send me the page that hadnt been signed and told me not to make our 2nd mod.  payment until the error was corrected. That is where the nightmare with them started all over again. 
I continue to have the same problems & issues with Mr. Cooper as I always did with Nationstar. I have sent 2 ( two ) complete RMA Packages to them and its always the same old thing ; didnt receive, pages missing, can you resend, etc. 1024.41 ( b ) Receipt of Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. 
They have now scheduled a notice of sale for XX/XX/XXXX. We have done everything over & over to try and avoid this from happening again but they seeming are steering our property into foreclosure for what I feel is their own monetary gain and total disregard for us losing our home that we love. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers. 
How is it that we are in foreclosure again when we have been sending and resending paperwork in to get the modification reinstated that got off track because of one missing signature? XXXX ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. 
They now tell me there is nothing they can do to postpone the sale date or modify the loan. Mr. Cooper Mortgage continues to violate the Dodd-Frank Consumer Protection Act. They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure on us. 
Please help us postpone the sale date of XX/XX/XXXX.  We would be devastated if they were allowed to foreclose on this property. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation