vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Clearview Resolution Services
State: PA

Complaint narrative:
I tried to work with XXXX XXXX and I asked them to stop taking bi-weekly payments for a week or two and when then would not I closed my bank account. A few month later they sent my information to a collection company called Clearview ever since I have been getting non stop harassment calls. They call family members including my elderly parents and my dad who is extremely ill with XXXX XXXX. I'm including everything that I found on this company plus email that I sent to them trying to resolve the issue. 
I have been wanting to pay them by either a cashiers check or money order and they do not respond to my request. I even spoke to them and they only want my current bank information or debit card number which I refuse to give. XXXX XXXX did offer a settlement of {$700.00} and no one has responded to that email. Now, for every harassment call I receive I'm deducting for what I owe them since I feel they are not really interested in settling they only want my bank information to continue to take money out. 
Here are a few of the numbers that continue to call, it changes dailyPlease stop the harassing calls. I got two more today. I sent you several emails ( see below ) and I have requested an address so I may send a money order or cashiers check.

I do not want calls. I want an address and will send the settlement per my conversation with XXXX XXXX and for ever call the settlement goes down for my pain and suffering of being harassed ; so now it's {$610.00}. 
XXXX XXXX XXXX -XXXX. XXXX XXXX XXXX - XXXX XXXX phone numbers. 
They tell me the authorities will be coming to arrest me and they are taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
2 unauthorized transactions were made from my Bank of America online account through a feature called XXXX that were not of my doing or anyone that I know. 

2 Transactions : XX/XX/2018 Transfer of {$1000.00} XX/XX/2018 Transfer of {$1500.00} These transactions were not authorized and money was being sent ( deducted from my checking account ) to a person/entity that I have no information on. The number it was sent to is a anonymous free phone number made up. 

Claim # : XXXX was closed on XX/XX/2018 and was not resolved in my favor. I lost {$2500.00} due to fraud and Bank of America gave me no other detail in the resolution letter other than the fact that these transactions were " authorized '' to which they were not. They said if I shared user id/password info with anyone to get into my account that these were valid. I did not share any log in details with any one.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Gc Services Limited Partnership calls almost daily and leaves an automated message on my professional email address. They state they are a debt collection agnecy and would like me to reurn the call. I have not received a voice message on my phone. I have not received anything in writing. 

I refuse to call this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
CMS did not address inaccurate credit reporting. I do not have an open mortgage account with Carrington Mortgage Services as of XXXX The account last activity is not XX/XX/XXXX but XX/XX/XXXX. The account does not have a past due amount but has a XXXX balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX, and Paid Off/Closed XX/XX/XXXX. However, CMS did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information since XX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several CMS representatives on several occasions. One CMS representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX, XXXX, and XXXX. The company failed to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT, TOO MANY INCORRECT LATE PAYMENT, DIFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME APPEARED ON MY EXPERIAN CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TN

Complaint narrative:
The following information XXXX XXXX XXXX reporting on my Experian credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as Experian continues to report falsehoods.

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 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
On XXXX XXXX XXXX and XXXX XXXX received a summons for a debt from XXXX XXXX XXXX XXXX. Represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. for a medical bill owed to XXXX XXXX srv. for XXXX. This medical bill was exclusively for XXXX XXXX and was paid by insurance Blue Cross of Utah regence. This medical bill for XXXX XXXX was not a family expence and XXXX XXXX is in no way liable for a personal medical expense per ut code XXXX. XXXX XXXX never recieved and medical treatment, prescription or any other services from original debter and should not be held responsible for any debt allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Deutsche Bank
State: GA

Complaint narrative:
Deutsche Bank was commanded by the United States Department of Justice, in 2015, as a result of their guilty plea, and adjudication, to compensate those ( investors ) and consumers, like myself, for the harm that Deutsche Bank caused by their manipulation of the XXXX rate and their secularization of loans misconduct. ( Please see attached documents. ) Also, Deutsche Bank was to appoint and provide access to a third party administrator to provide for such compensation to consumers affected by their criminal actions like myself. I have tried many times to get contact information for the third party administrator, by calling Deutsche Bank 's law department. I was told to contact their media department, or they don't know who I should contact. I am asking for XXXX 's assistance in getting the contact information to the third party administrator for this court ordered compensation due from Deutsche Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CA

Complaint narrative:
I called transunion in regards to getting the hard inquiries off my credit that I didn't recognize and the rep told me that they can't do it and was very rude on the phone rushing me. Here are the list of Hard Inquiries on my Transunion credit that I didn't authorize 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5 XXXX   6.XXXX XXXX 7.XXXX XXXX ( which shows up 3 times as hard inquiries )

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 2018-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank , N.A . put a default on my record when they sent me a letter to pay my mortgage starting in XX/XX/XXXX without giving me a chance to respond. I didnt know at that time they already put me in default. I feel this is unjust because they didnt give me the time needed. I need them to give me more time. I was getting the money from a friend when they put a default on my record. I believe there is a law that says that you have to give the homeowner 30 days notice before this is done. 

In 2013, after calling and talking to Citibank we asked to settle the HELOC since our house was no longer worth what it was when we got the HELOC. I hired the XXXX XXXX XXXX to negotiate with the lender for a settlement which they did and received a Full Reconveyance. 


We called Citi Banks Department in and they said it was paid in full. Almost two years later I received a bill from Citi Bank, N.A. and was shocked. At that time, I had my records checked and found that after the negotiations they rescinded the Reconveyance more than a year later without our knowledge of what was done. We didnt know about it until we received the first bill and looked at the recording offices records. This is the situation as it occurred I feel this is unjust and have tried for several years to settle with them. I thought that they would negotiate a settlement after paying the company the money. I was hoping for help in overturning their decision of collecting the full funds when that was not owed.

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 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XXXX I started trading XXXX using PayPal. I made many transaction that I will list with the amounts and dates. On XX/XX/2018 PayPal sent us an email notifying us that our account had been permanently limited with no appeal. They claim that I violated their Acceptable Use Policy ( AUP ). They claim that I am in violation for acting as a currency exchange/dealer because I had been trading bitcoin and using PayPal to accept payment. According to the IRS, SEC and according to the 11th circuit court in Florida judge XXXX XXXX stated that bitcoin is not currency, it is property. In the case, they referred to the Texas Department of Banking Memorandum and they stated ( " Exchange of cryptocurrency for sovereign currency between two parties is not money transmission. This is essentially the sale of goods between two parties. The seller gives units of cryptocurrency to the buyer, who pays the seller directly with sovereign currency. The seller does not receive the sovereign currency in exchange for a promise to make it available at a later time or different location. " ). The final ruling was ( " Counts 2 & 3 Should Also Be Dismissed as Bitcoin do Not Fall Within the Definition of " Financial Transaction '' or " Monetary Instruments, '' ). In the AUP and all of their legal documents they never classify bitcoin as currency. I have been debating this with them for the past 2 months and their response is " We see it as currency ''. The contract I signed did not state that and I believe that they have breached our agreement. After all of this happened some of the accounts that had paid us turned out to be hacked and subsequently issued charge backs resulting in a negative balance of XXXX dollars. PayPal went so far as to reverse outgoing transfers to my bank. My take on this is that they have breached our agreement and have had a security breach on their end and want me to pay for it. Additionally this has inhibited my ability to operate my business as well as causing other personal losses. 

Reversed Transactions : XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX Total : XXXX I have receipts that can be verified through the block chain as well as logs from the site verifying the transactions. The currency has a very high value tied to it so I lost all of the roughly XXXX dollars I started with as well. Some of the transactions even had police reports attached because it is technically property theft. PayPal ignored all of this and reversed the payments. 

I have done everything in my power to reason with PayPal and rectify the misunderstanding. I have so far called their support line and talked to various PayPal executives to no avail. 

Any assistance you can render in this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX Wells Fargo purchased my mortgage. They purchased it from XXXX XXXX. The ( my ) mortgage is in an Estate name as my husband passed away almost 2 years ago. All documentation was forwarded to Wells Fargo from XXXX XXXX. In XX/XX/XXXX i received 2 different pieces of documentation. One in my husbands name ( whom is XXXX ) and one in the XXXX name. I was very concerned about this being titled correct - so i reach out to Wells Fargo. Well - they would not give me any information on my mortgage that i pay because i was not listed on the mortgage. They did confirm that the " legal '' will/estate paperwork was transferred to them from the prior mortgage company. 

This is causing me a XXXX legal issue - as it is not in the XXXX name. I have been calling for 4 months now. They tell me it is being worked on - and that they see the " legal '' paperwork that i originally sent to XXXX XXXX is in their file with MY mortgage. As of today XX/XX/XXXX - it is still not taken care of. I have letters from them - dates and names of phone calls made - just tried again today - and i keep leaving messages and NOBODY calls me back- however - they continue to take out my mortgage payments!!!!!! This needs to be in the correct time - i get the run around and nobody calls me back. One of my letters from the " Senior Vice President '' with a name - they will not even let me leave a voice mail message. Something scammy is going on with the mortgage - and is causing me a HUGE legal issue. I sure hope someone can help. Thank You

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 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XX/XX/2018 paid {$780.00} and XX/XX/2018 contact Mercedes Benz Financial Service ( MBFS ) via telephone to check status of receiving credit for payments not list on MBFS summary list of payments already applied In XX/XX/2018 sent a written inquiry to Mercedes Benz Financial Service with a copy of paid receipts with transaction number regarding proper credit for XX/XX/2018 and XX/XX/XXXX inquiring whether payments were credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I recently received a copy of my XXXX  credit report that shows a collection that should have been removed off my credit. I was advised by the collection agency representative that the address they had in there systems did not match the correct address for me, therefor I was not notified properly of the debt in question and if I paid the debt it would be removed off all 3 of my credit reports ( XXXX. XXXX, XXXX ). Attached is a copy of the XXXX  credit report where the item was deleted but as of today XXXX is still reporting this debt on my report. I am no longer reponsible for this account and it is negatively affecting my credit report, I am asking that this item be removed asap. If this account is not deleted I will be forced to contact the XXXX and seek legal counsel to file suit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I'm using Coinbase.com to store a significant amount of cryptocurrency. They have a service called the " XXXX '' that adds additional layers of security, so I store most of my funds in the XXXX. Unfortunately, there is a bug within Coinbase that caused my funds to be frozen about 75 days ago. Other people have reported the same bug on various online forums. 

In essence, I deleted an old Coinbase account, but the email address associated with that old account was also being used as the secondary email address for my active Coinbase account. Because of some kind of defect in the Coinbase system, when I deleted my old account, my secondary email address for my active account was also deleted within their system. In order to withdraw funds from my XXXX, I need to receive a confirmation email at both my primary and secondary email addresses. Because Coinbase erroneously deleted my secondary email address, that is now impossible, and my funds are frozen. 

I first emailed them about 75 days ago regarding this issue and have since called them twice, talked to representatives, and emailed them numerous times. Unfortunately, they have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. Because of this I have lost a significant amount of money ( I would have sold some of this cryptocurrency during this period ). Coinbase is notoriously bad when it comes to customer service so sadly I'm not too surprised I've had this experience. I just want to get it resolved as soon as possible and get access to the funds I entrusted to them. My case numbers with Coinbase are # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT INFORMATION DUE TO ID THEFT APPEAR ON MY CREDIT REPORT / TOO MANY INCORRECT LATE PAYMENT, DEFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: FL

Complaint narrative:
XXXX did not address inaccurate credit reporting. I do not have an open mortgage account with XXXX XXXX XXXX as of XXXX The account last activity is not XX/XX/XXXX butXX/XX/XXXX The account does not have a past due amount but has a 0 balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX and Paid Off/Closed XX/XX/XXXX. However, XXXX did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information sinceXX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several XXXX representatives on several occasions. One XXXX  representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX   XXXX, and Equifax. The company failed to resolve.

Company response to consumer: Closed with non-monetary relief