vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am writing this email in regard to the coinbase class action lawsuit pertaining to the miserably failed launch of the BCH USD Trading pair on Coinbase / XXXX. I lost funds during the debacle and would like to know how it would be possible to become a part of the lawsuit. I wrote several emails to XXXX support and was hung up on twice by support staff when they refused to answer my questions. They even referred me to a " rule '' in their terms of service stating that they could halt trading on the exchange as they seemed fit, this rule was added AFTER they screwed up the BCH launch. 

This is an excerpt from the message sent to them : " I placed an accidental buy market order on BCH instead of XXXX with all the funds available in my account ( Approximately {$12000.00} ). This was my mistake, yes. Had it occured on a normally traded pair such as LTCUSD or ETHUSD, I would not have minded the slight loss of my error. Not even a half a second after I realized my mistake, I attempted to sell out and XXXX halted trading knowing full well that over 2k BCH had been sold and bought at manipulated prices. 

When trading opened today at XXXX PST, I frantically attempted to sell in order to salvage what was left of my funds and managed to cash out at ( XXXX XXXX ) which left my account at {$6600.00} for a Total loss of {$5700.00}. All because of a failure to make sure there was enough liquidity in the books before opening a new trading pair. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Upon obtaining a copy of my credit file. I notice XXXX XXXX has now added two account which I never received any mail for. I have made attempt to contacting the company but never has anyone call me. 
creditor information : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX the amount of {$1000.00} and the date XX/XX/XXXX also a balance XXXX and at the current time I saw a doctor I've always has health insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: VA

Complaint narrative:
On XX/XX/XXXX suntrust was aware I was moving my auto loan to another bank due to issues with suntrust. XX/XX/XXXX the car was refinanced and they were paid off by check in full for the entire loan amount. 
On XX/XX/XXXX my checking account was offset for XXXX dollars for the loan after the loan was paid off in full. Then they told me that they wouldn't reverse it. The loan was paid off in full of XXXX But SunTrust still debited my checking knowing the loan was already closed and paid off on the XXXX th. I have screenshots showing it was paid and they knew it was because they sent the pay off to the new bank. This is scamming someone's checking account to make extra funds. I want my money and also extra back for the trouble.

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 2018-03-17 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: TX

Complaint narrative:
I had a loan that was charged off over5 years ago due a medical issue that forced me to retire very young. The company who held the loan is XXXX XXXX XXXX XXXX in California. 
On my creditreport it still shows a balance and late statusevery montheven though the account was closed and charged off over 5 years ago I believe thisis impactingmy being able to get a new home equity loan

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 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The debt collector reported a debt to the 3 credit agencies on my behalf on a debt I never received mail or even knew I have because all my medical bills are paid through insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am an member of the XXXX XXXX XXXX. I was XXXX on XX/XX/XXXX in XXXX XXXX XXXX    XXXX XXXX. I am currently XXXX to XXXX. I have tried several times to the Barclay credit card company to lower my interest rate in accordance with Soldiers and Sailors Relief Act that is U.S. law. On the XX/XX/XXXX, I called the company and advised them that I had been activated and requested they lower my interest rate. The Barclay Card associate directed me to call an extension within the company and leave my information and an associate would contact me within 72 hours. I didn't receive a call. I called again on XX/XX/XXXX and left a message with my information again. I have yet to receive a call from any representative of Barclay Card. Can you please assist me with resolving this problem. I can provide a copy of my orders upon request.

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 2018-03-17 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: FL

Complaint narrative:
I have had numerous issues with Transunion not reporting my correct balances on my credit accounts. The most recent is an XXXX XXXX account from XXXX XXXX. My Balance is XXXX and Transunion reported {$56.00}. I have complained previously about TransUnion not reporting correct account balances. Additionally, they recently deleted an open XXXX XXXX account in good standing and without my consent from my 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 2018-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I Filed a complaint # XXXX on BRIDGECREST ACCEPTANCE CORPORATION on XX/XX/XXXX, my complaint was with how they are closing the account. BRIDGECREST ACCEPTANCE CORPORATION responded on XX/XX/XXXX and the complaint was closed, however XXXX still did not file the GAP insurrance. They claim that the total amount was not received, the amount was short by {$4.00} and the GAP could not be filed until the total amount was paid. They received the amount on XX/XX/XXXX, then on XX/XX/XXXX the differance of {$4.00} was posted to my account and still waiting for the GAP to close. XXXX lack of attention with my account is due to me no longer wanting to use thier company financing. thier interst rates is too high and they was not truthful in how interest was accumulated. this was not a simple interest loan. they will receive 3 times the amout of the vehicles worth. My vehicle was involve in an accident on XX/XX/XXXX and as of XX/XX/XXXX i am still without a vehicle.

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 2018-03-17 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Please see attached correspondence. I am being held responsible for over {$12000.00} in charges made without my authorization. The fraudulent charges were made over two weeks in XX/XX/2017, a holiday period during which the risk of fraud is known to be high. The total charged fraudulently during this two week period was almost double the highest monthly charges to the account in two years and nearly four times the average monthly balance for 2017. As set forth in the attachments to this complaint, in type, volume, amount, pattern and type of merchant, the charges clearly and obviously were unusual and suspicious as compared to prior account activity. I learned of the identity theft only after my Wells Fargo VISA credit card was declined for a modest purchase at a grocery store and I promptly called Wells Fargo customer service. It was only on my initiative in calling and in checking my account on-line while speaking with customer service personnel that the fraud was identified. Contrary to every telephone conversation about the matter with representatives of Wells Fargo, during which I was assured that I would not be held responsible for the unauthorized charges, I now understand that Wells Fargo is holding me liable without supporting evidence and without advising me of any recourse or rights that I might have. The Wells Fargo correspondence states only that Wells Fargo found no fraud occurred [ s ] ince your card was in your possession. ( See correspondence attached. ) Insofar as Wells Fargo has acknowledged the fact that the card was in my possession, and insofar as the Federal Reserve Board guidance states that the cardholder is not liable when the card itself is not presented, I may not be held liable for the unauthorized charges. See 12 C.F.R. 226.12 ( b ), Federal Reserve Board Official Staff Interpretation. 
Without explanation, without notifying me of my right to appeal and without providing upon my request any justification for the conclusion, Wells Fargo determined that no fraud occurred or that the transactions were authorized. Wells Fargo thus inappropriately is holding me liable for the unauthorized charges.

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 2018-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.

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 2018-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.

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 2018-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX XXXX  never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims

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 2018-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX had gotten a Warrant in Debt issued back in XXXX. I was not served said Warrant in Debt until XX/XX/XXXX for a court date that was scheduled for XX/XX/XXXX. When I called XXXX   XXXX XXXX, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from XXXX   XXXX XXXX regarding the repayment. On XX/XX/XXXX, I called and spoke to a few representatives at XXXX XXXX, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was received. I called again on XX/XX/XXXX and was told the same thing. On XX/XX/XXXX, I received a credit alert from a monitoring service stating that they had taken out a judgment. The judgment was marked paid in full after contacting the CFPB regarding the matter due to XXXX XXXX using false statements to garner the judgment. 

I have contacted the CFPB on this matter several times. On XX/XX/XXXX, I received notification from my employer that I had a wage garnishment issued by XXXX XXXX on XX/XX/XXXX. I was never given any paperwork regarding the garnishment order other than an electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CFPB due to both XXXX XXXX and XXXX XXXX having made ZERO contact with me in the process. After contacting the CFPB, on XX/XX/XXXX and XX/XX/XXXX, the money garnished from my wages,, totaling {$470.00}, was paid back to me by my employer per a resolution that was reached by the CFPB. 

Now on XX/XX/XXXX, I received yet another writ of garnishment from XXXX XXXX regarding this same matter. I have not received any contact from XXXX XXXX over this matter, nor have I received any contact from the " XXXX XXXX XXXX XXXX '' group who is representing them. The only notice I was given of the writ of garnishment was an electronic notice from my employer. The notice states that they are deducting 25 % of my wages from XX/XX/XXXX until XX/XX/XXXX. The notice pointed to a court record which is a hearing date which is scheduled for XX/XX/XXXX. XXXX XXXX and XXXX XXXX both have actively sought out a garnishment without having a hearing prior to the matter, and XXXX XXXX has already had a resolution in place regarding this issue as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX operators, never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have send 5 letters to equifax disputing the flowing wrong address that i never ever lives on inquires not done by me ask to remove alerts fraud they refused to remove anything, every month i receive a letter saying they are working and they send me a letter of my credit wrights, last months they send a letter saying mi ID were insufficient, when send every month with the letter of dispute a copy of my driver license and social security card to prove my identity am trying o buy a place and this company is intentionally hurting my credit..they are lazy and take pleasure on not doing their job and hurting consumers i am responsible with my credit, i demand action is taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
on XX/XX/2018 I received a letter from ONE main financial, saying they had denied me on a credit line, well i never applied, so i log into into my XXXX account and saw they had an inquire on all 3 reports, i remember getting an invitation from the either XXXX or XXXX which i call to inquire, when i spoke to their operator she told that their interest was around 10 % then i said " No thank you very much '', never authorized for a credit run, i am no about to pay anyone 10 % on a credit line. yesterday i call their XXXX number i explain teh situation, hoping to get some resolution, the first operator " Hand up on me '', on the second dial the second play dump, refused o give me her name when ask to be transfer to a supervisor, when i began to tell teh supervisor, that i had received an invitation, call ad never apply since their rates were to high, she stared saying that perhaps some one had taken the letter call and apply, i said to her it was impossible, since i had sheered the paper, we have a big sheered in my office for all personal documents..then she stared playing the game she couldn't hear.. i have an i phone XXXX..and my service is with XXXX which is clear as whistle, keep saying i cant hear you and hang up..when i try to dial again, none would come up on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
There has been a serious and ongoing issue with DiTech. When applying for a loan modification, DiTech advised on XX/XX/XXXX that the application went to underwriting. Throughout the process we have provided documents and clarification in a timely manner as requested by underwriting. On XX/XX/XXXX we were advised that the package was deemed complete and we needed no further explanation or documents on our end. From that day on, we called almost every other day for updates on the package. We were advised on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that our package was complete, being reviewed, and was still in underwriting. On XX/XX/XXXX, we were told that this case was being escalated because we should have had an answer by now. Then, on XX/XX/XXXX we were told that DiTech was still looking into it. Finally, on XX/XX/XXXX, the home was sold to a sheriff sale. 
Why is it that no one at DiTech was able to advise us of a sale date? DiTech gave us the impression that the modification package was not only complete, but actively being reviewed with underwriting. This is someones home and DiTech obviously does not do their due diligence to ensure people are being properly taken care of. We could have taken the proper steps to prevent this had our lender, DiTech, done their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX XXXX checking account online. On XX/XX/XXXX, I signed up for online banking and was able to deposit {$2000.00} through the app ( mobile check ), from my other account at XXXX XXXX. By XX/XX/XXXX, I was not able to access my account online or on the app because it said that the account was locked. I called back and it was because the check was still being processed and my account was put on hold and that I should contact them by the XXXX. In the physical letter I received, it also said that I should have access to the money by the XXXX. In the meantime, I also deposited XXXX through ACH directly from the other account ; this is in order to meat the XXXX minimum balance for avoiding the monthly fee. 

I called back on the XXXX, and the representative reported that the holds department is not letting go of my account until after Friday. I called back today ( Saturday, XX/XX/XXXX ), and they now say that I will not be able to access my account until XX/XX/XXXX. I feel as if enough time has passed such that the original {$2000.00} check should have cleared through the bank. Checking my XXXX XXXX account, they sent both {$3700.00} and {$2000.00} on XX/XX/XXXX, and 8 business days has passed by since then. 

I believe a hold on the mobile check is reasonable, but even that given time frame has passed. However, I do not understand the hold on my account such that I can not log in and such that I can not access any of my money at all. Even though I have received my debit card, I have not been able to activate it in order to deposit or withdraw money ( even the amount they said was " available. '' Additionally the customer service agent hung up on me today after I told them I wanted to file a complaint with them.

Company response to consumer: Closed with explanation