vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase Case # XXXX Locked Out of My Own Coinbase Vaults Coinbase has a service called the " Vault '' that adds additional layers of security. In order to withdraw funds from the " Vault '', I need to receive confirmation on both Primary and Secondary email addresses. E-mail addresses on a vault can not be changed after it is created. My secondary vault approval address has mysteriously changed by Coinbases system to XXXX. I do not have any e-mail addresses that start with the letter XXXX. Now I cant initiate any withdrawals since two approvers are required. My funds are now frozen. 

I have spent many hours reading the comments of others on websites such as XXXX that had the same problem with Coinbase. Everyone was told that a specialist will contact them, but that didn't happen. Delay after delay. This is an unethical business delay practice. I contacted support by phone on XX/XX/18 and was sent a follow up e-mail. They still have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. 

What I want is for Coinbase to move all the funds from vaults ( 3 total ) into my wallets. There are XXXX  bitcoins ( BTC ), XXXX ethereum ( ETH ), and XXXX  litecoins ( LTC ) in their respective vaults. If you need any additional information from me, please dont hesitate to ask me. 

I have attached the following : Vault Setup Confirmation Emails ( Primary and secondary e-mails that I chose to use are shown ) Vault details screenshots showing that that secondary e-mail addresses for my three vaults have been changed to ( First letter is now XXXX, it should start with the letter XXXX ) Screenshots showing that my coins are in my vaults If you look closely at each of the screenshots showing the vault detail history, youll see that vault creation date is the same date that Coinbase sent the setup confirmation e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2017, I XXXX XXXX cashed a fraudulent check. I was laid off from my job, and needed to generate revenue to pay my bills. I answered an ad for a guy named XXXX the number he gave me was XXXX. We began to communicate via email. He would have done six postings a day or so that would advertise the same listing via XXXX. Eventually payday came, however, I was only guaranteed {$500.00} per week but the check was for {$1700.00}. So a naive sense of integrity kicked inside me and I sent him back {$1200.00}. Three days later the check bounced and my bank account was negative XXXX. At first bank of America was willing to clear my account however once they discovered that I sent XXXX, the Bank made it clear that they would not return the funds to me. However, I could not afford a lawyer because my only bank account was negative {$1800.00}. I filed a claim with my local police department and another claim with the FBI internet crimes division. I am writing this letter in hopes of a referral to federal insurance program and the ability to receive the money I had to work off back. I am also writing this letter in hopes that what happened to me will never happen to anyone else.

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 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have a loan with NSTAR/COOPER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NSTAR/COOPER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/2014 for XXXX $ I told them I dont know who got this credit card under my name and someone made a payment on it I guess but how could I make a payment on something iv never received a bill or letter or phone call nothing and also someone keeps applying for car loans all those hard inquiries on my credit nun of them are mine so now I cant even get approved for a secure credit card let alone any other kind Im so stressed out my car broke down so I need to get it fixed and I cant because money is tight right now. Help me please Im begging you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a loan with OCWENLOANS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and OCWENLOANS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
ok Equifax give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I sent letter LVNV requesting that they validate not verify debt they are attempting to collect. I specifically asked for signed aggrement and other suppportimg documentation. They provide me with billing statements which does not prove I am obligated to pay them anything. They have report delinquent information to credit bureaus asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
ok XXXX give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with 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 2018-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
The XXXX XXXX, calls me at least 3 times a day to tell me my payments are behind, the last time I spoke with them I told them I don't have lots of time during the day to discuss this and I would like to be granted access to view my account history or payment history or either emailed or mailed the payment history to compare what they have to my bill pay history. I always use bill pay through my bank to make payments, they refused to provide me with access or written proof of my payment history and rudely told me I needed to start making my payments via XXXX XXXX or XXXX XXXX  or they would always report my payment as late regardless of when it is received, the representative told me for their company the received is when they begin processing the payment not what is on the check from your bank sent via bill pay. They have since that conversation began reporting to the credit bureau 's late payments of. 30 and 60 days, those reports have drastically effected my credit score. They refused to reply to any of my emails or letters.

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 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
XX/XX/2018 I sent a debt validation letter, they were unable to validate my debt even after 45 days!!! Instead they sent me an attempt to collect debt.

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 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I came across partial copies of the XXXX Federal Student Loan Disbursement notice from XXXX who happen to have some of my loan paperwork I requested for 2.3 years. Financial Aid office at XXXX XXXX XXXX University still to the day refused to give me copies of my entire student file including accounting information and registration files that are under two student ID numbers they created. Fraud and embezzlement committed by the supervisor that runs the financial aid department and others who work in that department. Accounting along with registration had fraudulently double charged me tuition fees each quarter from XX/XX/XXXX-XX/XX/XXXX. Dean of admissions XXXX XXXX instructed all staff employees not to speak to me regarding this matter. XXXX XXXX refused to speak to me and ignore multiple emails sent to her. I received grant money that the financial aid department took the funds and created new loans of Pell Grant funds. Money that was supposed to be sent back to the bank never did. First two loans non-sub and sub loans funds are divided into 3quarters. I was out for 1 quarter ( W8 ) first two reimbursements was for F07 Unsub- {$1600.00} F07 Sub-loan {$1800.00} ( WI08 ) Unsub and Sub loan funds were not returned, financial dept created multiple loans using a student ID under my social security number. The financial aid department knew I was a part-time student and not full time. The XXXX disbursement notices list the loan amount the disbursement dates and dollar amount each quarter. But the total of the loan amount is doubled. See attachments. Attached is the only promissory note I ever did online and it is XXXX University policy for students to come to the financial aid office to review MPN and sign the hard copy. Also in XXXX own catalog it states that only one MPN signed to be use for student loans not multiple MPN. I refuse to pay for the money that was embezzled by employees in the financial aid and accounting and registration department. I entered XXXX Unversity in XX/XX/XXXX grade level ( 3 ) each XXXX loan documents were changed to grade level ( 1 ) and total loan amount doubled but listed on the NSLD as half of the student loan dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: CA

Complaint narrative:
Submitted dispute through Experian multiple times to have a XXXX XXXX XXXX account removed off my credit file, the account does not belong to me., but I have not been successful

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 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC sent me a letter by mail, offering me to " Get a {$350.00} Welcome Deposit with a new HSBC Advance relationship and qualifying activities. '' I satisfied all of the conditions for the {$350.00} Welcome Deposit months ago, but HSBC refuses to pay without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a postal money order for {$1000.00} on XXXX. Bank America has put a hold on this for 10 days. I have deposited money orders from the postal service before and they have never put a hold on it before. Now they are pulling money from my savings and charging overdraft fees when that money is there. I would like them to release my money so that I can pay my bills and refund the overdraft fees.

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 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I got a preapproved letter from Bank of America to apply for card. I was declined. My credit is excellent. When I called, no one could look at the application to see if error was made and the associates told me it was all done though a computer and no live person was available.

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 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc
State: VA

Complaint narrative:
I received a bill for medical services by XXXX XXXX rendered on XX/XX/XXXX a couple of months ago. I spoke with XXXX XXXX several times to have the remaining balance after insurance paid using my HSA card. On the third attempt with XXXX XXXX they were able to process a payment using my HSA card. 

I received the most recent bill dated XX/XX/XXXX which doesn't show the HSA card payment, but shows a balance of {$110.00}. It also says " Please contact our office within 10 business days to avoid possible collection action/and or ... '' 10 business days from XX/XX/XXXX would be XX/XX/XXXX. This bill was received on XX/XX/XXXX. Last week I sent in using the remittance stub and enclosed envelope a payment of {$50.00} which as of today has not been debited from my bank account. I intend to pay the {$66.00} remaining balance when I am paid again on XX/XX/XXXX. 

Yesterday, I received a collection notice from United Consumers , Inc. dated XX/XX/XXXX which is less than the 10 business days the XXXX XXXX statement mentions possible collection action. Further it shows a balance of {$110.00} and {$12.00} dated XX/XX/XXXX from XXXX XXXX. These amounts do not align with the statement from XXXX XXXX XXXX dated just 7 days prior. Lastly, in the United Consumers , Inc. letter it shows two charges from XXXX XXXX  dated XX/XX/XXXX for {$2.00} and {$37.00} ( 48 days ago ) which I have not even received a bill by XXXX XXXX XXXX. 

XXXX College of Virginia ( XXXX ) is a division of XXXX XXXX University and was changed to XXXX XXXX several years ago to reflect it is one institution.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/18 I received a letter dated XX/XX/18 detailing that WITHOUT my consent Equifax placed a fraud alert on both my credit report & email address, also forwarded unauthorized alert to both XXXX  & XXXX. Several phone calls later Equifax claims to " begin processing '' alert removal, but refused to forward removal attempts to the two other bureaus, both refusing to personally remove alerts. 
This demonstrates a willful mishandling of consumer personal information as each bureau now requires " special handling '' because they refuse to ask identifying questions to remove alerts. An audit of Equifax is required as this highlights their history of data breach & failure to accurately organize & safeguard consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 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:
XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous 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 explanation
Consumer complaint received 2018-06-19 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 reported a collections notice on my credit reports within the last few days in the amount of $ XXXX. I do/did not have an account at XXXX and I consider this entry erroneous 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 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: MA

Complaint narrative:
On XX/XX/2017 I wanted to switch my loans out of XXXX. I contact Equitable Acceptance. They informed me, wrongly, that they would be my acting servicer and I would pay my loans directly through them ; I was also told this would only be a contract for 24 months. My total amount was {$1400.00}. 
I quickly learned, after signing, that they were not my carrier and they actually got XXXX XXXX as my servicer. I am now responsible for paying Equitable Acceptance about $ 45/monthly and have a hefty 17.99 % annual interest rate to go along with it. The contract was not as stated, as it was 48 total months not 24, and as mentioned before, they were not the carrier as stated to me over the phone. 
I am basically paying them for a free service. Furthermore, I believe they broke their contract last month, XX/XX/XXXX, because the one thing I pay them to do ( submit my IDR contract in on time ) was late. They did not hold up their end of the bargain, as I had to then put my loans on forebearance because my payments significantly increased due to Equitable Acceptance not getting my forms in on time. It also disrupted my 120 consecutive payments necessary for loan forgiveness. 
Please help me get out of this contract with these individuals who deceived me and have not held up their end of the contract. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation