vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello team, I was using the Coinbase to trade the virtual currencies. On XX/XX/XXXX, they have locked my account, asking me to submit my ID again ( which I did already in the past and I was allowed to trade ). After trying to submit the ID more than 50 times, the Coinbase is stating they can not verify it. 
I have decided to close the account and take my money back to my bank account, as I lost my trust in Coinbase. In order to withdraw the money, Coinbase asked me to send the money on their account.

After doing so, I received that Coinbase is not able to process my deposit as my ID is not validated : " We appreciate your interest in Coinbase! However, we're unable to process your recent deposit for XXXX EUR sent on XXXX because : Your account and ID will need to be verified before it is active '' Now this is chicken and egg issue and I am tired of trying to get my funds back. 
I have raised multiple tickets with Coinbase / tried calling them, but have not received any respond back. 
Please help me to see how can I retrieve my personal funds from Coinbase back to my bank account. 
Tickets Opened : Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 Fraud Department Check into Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute the following information that your company provided to Check into Cash. 

This item credit inquiry on credit reports is fraudulent because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Check into Cash have the item ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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:
they let XXXX XXXX pull my credit twice in two days why? 

XXXX XXXX  cra violation inaccurate info XX/XX/XXXX Credit Unions XXXX XXXXXX/XX/XXXXCredit Unions

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 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department XXXX XXXX XXXX I am writing to dispute the following information that your company provided to credit bureaus. 

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that XXXX XXXX XXXX and have the inquiries ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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:
XXXX breach has cost me and consumer billion of  dollars XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open cra violation not mine no knowledge of acccounts Payment Status Current Status Updated XX/XX/XXXX Usage 111 % Balance {$7200.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$210.00}

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 2018-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Professionals, LLC
State: IL

Complaint narrative:
I've been getting calls from asset management about a supposed debt I took out with XXXX XXXX in 2011. There are a lot of red flags to this claim. Why are they just asking me about this loan that happened years ago? Why can't I mail in payments, instead of giving them a lump sum.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-26 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2017 I attempted to make a payment on my account. When I called the system kept kicking me out and I wasnt able to make my payment. I also tried to make the payment online and I wasnt able to. I have let Ocwen know and explained what happened to them and asked them to remove the late payment considering that it was their system that messed up and wouldnt allow me to make my payment. I was able to make my first mortgage payment but I was not able to make my payment on my second account. All I want is for them to remove the one late payment on my account that was caused when I wasnt able to make a payment through the phone/internet payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern : I have a dispute with Wells Fargo that began on XX/XX/XXXX. 

I have two ( 2 ) Visa cards from Wells Fargo. One is a debit card associated with my personal checking account, the other is a credit card associated with my XXXX XXXX XXXX. 

On XX/XX/XXXX a company called XXXX initiated a charge-back of {$65.00} to my debit card, and charged an equal amount to my XXXX XXXX XXXX credit card. The person at XXXX who initiated the charge-back told me that if I had an urgent need for the funds, that Wells Fargo could expedite the charge-back process. Regrettably, Wells Fargo refused to provide this service. 

My complaint about this issue was escalated to XXXX XXXX at Wells Fargo Customer Care Executive Services. XXXX XXXX stated that she could not accommodate my request. I stated that my need for an expedited charge-back was due to a XXXX XXXX, and that that my request was for a reasonable accommodation under the Americans with Disabilities Act of 1990.  XXXX XXXX stated that Wells Fargo did not have an obligation to accommodate my XXXX. 

I asked XXXX XXXX to provide me with contact information for the regulatory agency that I could file a complaint against Wells Fargo with. It is my understanding that banks are required to provide this information to customers who ask for this information. Regrettably, XXXX XXXX refused to provide me with this information. I stated to XXXX XXXX that she was refusing to comply with Federal law by refusing to provide me with this information. XXXX XXXX replied that she was not refusing to do anything. I replied that XXXX XXXX was indeed engaging in an act of refusal. 

XXXX XXXX finally agreed to escalate this issue to Wells Fargo Case Management, and she stated that this department of Wells Fargo would contact me by telephone on XX/XX/XXXX. I stated to XXXX XXXX that I would not file complaints against Wells Fargo with the government before XXXX  on XX/XX/XXXX, and that Wells Fargo should be sure to get back to me before this time of day. 

At XXXX XXXX  I received a telephone call from XXXX XXXX of Wells Fargos Consumer Case Management Executive Office. XXXX XXXX spoke to me in an abusive tone of voice that escalated in intensity over the course of our unpleasant conversation. XXXX XXXX stated that Wells Fargo did not have an obligation to make accommodations for XXXX people. 

Thank you for any help you can provide with improving upon the unethical business practices of Wells Fargo. 

Best regards, 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 2018-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a statement from a third party regarding a refund amount from a Citi Bank class action lawsuit. When I called the number, they told me the credit had been issued to the party owning my debt. I consulted my bank and we went back to XX/XX/2012 and found a check written for {$3300.00}, which I believe was the pay off amount for the card. 

Every number I call seems to be sending me off in a direction that won't help to resolve the issue. The last of the 10 calls I made to Citi Bank, the rep said she was unable to pull up any account info for me and gave me a n umber to call. When I called that number, it appears to be a credit collection company. 

I also consulted my credit monitoring service and they said there was no bad debt on my credit report relating to Citi Bank. 

If this is a scam, it is very well orchestrated. 

I would appreciate any help in letting me know how to proceed with this issue. 

Thanks

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 2018-01-26 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my XXXX credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by XXXX and XXXX XXXX. XXXX has repeatedly refused to block items by XXXX XXXX   on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX   has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Service Transferred and Mortgage Payment not being applied. Calling daily harassing about missed payment which was made to previous servicer. Copy of bank bill pay to confirm payment has been provided but Servicer refuses to accept as proof of payment.

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 2018-01-26 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: DISCOVER BANK
State: TX

Complaint narrative:
on XX/XX/2018 Discover Bank checked into my credit report and they did no help but just hurt my credit and i have dont recognize them. thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$25.00} for a incoming international wire transfer dated XX/XX/2018. I had been given different explanation about the charge when contacting with Chase customer service representatives. One explanation is it was charged by sender 's bank. Second was it was charged by intermediary bank.  Third was it was charged by Chase following remitting bank 's instruction. I told them sender 's bank already charged their fee of AU {$12.00} and it was debit from balance of the account it was printed out in the transaction report. If there was intermediary bank,  please provide information of the bank name and transaction reference id which they refuse to provide the information. For the third explanation, it's ridiculous because senders bank would not benefit from the charge so why they would instruct Chase to take my money and why Chase has obligation to follow such instruction. Chase has no right to take my money without my acknowledge and agreement. I have records of all the responses from Chase customer representatives. I think it is ripoff for Chase to charge undisclosed fee. I want a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26 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: AZ

Complaint narrative:
I did not solicit this company for their business XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

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 2018-01-26 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: MI

Complaint narrative:
I have been in contact with Equifax several times over the past few years. I have two significant concerns with their integrity at this point.

1 ) I have never lived at an address or used a bank to pull a hard credit file in Indiana. I was born and have lived in Michigan my whole life. 
See Examples : Under address : XXXX, IN XXXX Under hard inquires :XX/XX/2016 XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX ) In 2016 an erroneous medical bill was put into collections under my name. I fought it with the local doctor and they called and had it removed from Original Creditor Name XXXX XXXX XXXX XXXX XXXX. I then had to call and advise XXXX XXXX XXXX XXXX XXXX  if they did not REMOVE the claim in full ( I never owed a dollar ) not just show it paid that I was going to take legal action as it was haunting me under my credit report. Somewhere the total got reduced from {$57.00} to {$3.00} and closed. I went through several months of Equifax saying that XXXX XXXX XXXX had to remove it ( not just the {$3.00} but the whole claim as it was not correct ) and XXXX XXXX saying that they had sent everything in and that EQUIFAX was delinquent in updating the information. I have begged, pleaded and threatened Legal action. These responses have all been sent numerous times over the past 6 years to get all three of the inaccuracies off of my credit report. I get no response. The other two reporting agencies do not have either of them on them.

I am asking that you please help me. This is having a significant effect on my credit and is causing me to pay extra for insurances, mortgages and etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Optimum Outcomes, Inc.
State: LA

Complaint narrative:
A request for validation of a debt that this company claims that I owe to them was mailed to them on XX/XX/XXXX via certified mail and was delivered and signed for by them on XX/XX/XXXX. That letter also requested that the company have NO further telephone contact with me, but that all communication be done in writing. Since that date, no information has been received from this company proving that this debt is in fact owed to them. Also, they have made 2 additional attempts to contact me by phone at which times, voicemails were left. First time was on XX/XX/XXXX and then again today, XX/XX/XXXX. I want this company to stop contacting me by phone. This account also needs to be removed from my credit report with all 3 of the credit bureaus since they have failed to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I started graduate school in XXXX. The program I enrolled in was " low-residency '' and summer only. It's XXXX XXXX XXXX XXXX XXXX of XXXX. The program ONLY meets in the summer. It takes 5 summers to complete the program. The problem is that NAVIENT considers these students as " unenrolling '' from a program because we couldn't take classes year-round. So, they make your student loans fall into repayment even though you have 3, 2, 1 years left of school! So, they collect interest on all of that time even though you CAN NOT take classes and have no option but to wait until the next summer. 

Additionally, Navient misallocated several of my payments. I specifically indicated which loans the payments should be applied to and they did whatever they wanted, which sent some of my loans in to " non-payment '' and disrupted my credit score, causing a delay on the purchase of my home. 

They were ridiculous to work with. I paid off my loans since then, but from XXXX, I dealt with all of this. I still don't know how much money they swindled me out of in interest while I was STILL IN SCHOOL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.

Company response to consumer: Closed with explanation