vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello, In the past I used a platform called Coinbase.com to trade online currency such as bitcoin. I haven't made a purchase  in years, and few weeks ago my account was compromised and my debit card was wipeout. My bank did not stop the charge until they tried there second transaction which made my account overdraw and it was flagged. I was called from a number that showed from my phonebook as coinbase. I later looked to confirm if that was the same number on the coinbase website and it sure is. They stated that my account was under fraud and needed to reset the password. Following what I thought was security questions, later to find out they are the ones whom hacked my account. Although the number was the same number posted on coinbase website, I am being told that it was not coinbase. I am not sure how that is possible, I believe I was scammed from someone within the coinbase office. 

I have tried for over a month now to speak to representative and can not get a response. I was told all trades are final. How about check my IP address and see where the account was logged into? I can specify were I was at the time of the charge and I bet it doesn't match up the location of the purchase on the IP address. 

Now I can't even log into my account! I want to remove all of my information and I can't get into my account because the hacker locked out. 

I am a victim of a cyber attack, and coinbase who let these people into my account have done nothing to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS

Complaint narrative:
Due to lack of communication after filing bankruptcy we got behind on our payment. During the process of catching up we where told different amounts and information during each communication. In XXXX we mailed in the balance due to make our account current and next payment due XX/XX/XXXX. I was told this total during two separate conversations with multiple employees after I was told a different total prior. I also confirmed this total before mailing the payment. Now the company is stating we have over {$1000.00} in fees and charges as of XX/XX/XXXX. Both XXXX and XXXX payments were made on time and in full. There is no explanation as to what these fees and charges are for on our statement.

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 2019-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Small Business General Correspondence Credit Card and Line of Credit Capital One Attn : Credit Card Fee Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Credit Card Late Fees Please Rescind Late Fees and Credit Service Reports We remain pleased with the services we are receiving through Capital One Credit Card Services. 

Please note an error in the credit card payment fees that we wish to address : We inadvertently made charges on two of our Capital One Business Credit Card accounts on cards that we do not use and in general, do not track. 

The charges on these cards should have been on another of our Capital One Business Credit Cards. 

The cards that were charged in error : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX The cards that we regularly charge on : XXXX XXXX XXXX XXXX Average of {$40000.00} per week in charges XXXX XXXX XXXX XXXX Average of {$1800.00} per week in charges With an annual charge on our Capital One Business Cards over {>= $1,000,000} annually and an unblemished payment record on both of these cards since XX/XX/2016 : Please Rescind the Late Fees and clear the Credit Service Reports on the late payments on the first two cards ( # XXXX, # XXXX XXXX. 

Finest regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19and the otherXX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: TN

Complaint narrative:
OnXX/XX/2011someone open up a fraudulent account in my name with Elan Financial service goes by Card member service. I've reach out to the company numerous time requesting for them to send me legal documentation that the account belongs to me. I also ask the company to send me proof of my driver 's license and application were I did the application. Elan financial service will not send me any proof that i open this account with them. I have sent in a police report to the creditor bureau on my behalf stating that i have been a victim of identity theft. I fell that all my rights have been taking away from me because of this matter on my credit report. please help with this matter.

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 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
Medical vendor neglected to file insurance claim as required by agreement with XXXX XXXX XXXX. They were informed how to do so no less than eight times. Now they are putting a collection on my credit accounts, which is fraudulent as they are in breach of their insurance agreement with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Account was closed in XX/XX/2019 and American Express charged me back {$50.00} for a transaction from XXXX. 


Thank you for speaking to me about my issues on my account. Thank you for confirming the following : Even though the card has been closed since XX/XX/2019, the {$50.00} reversal is my responsibility. I have already mailed the check. The mentioned account has been closed since XX/XX/2019. Thank you for confirming that you can not provide me no additional assurance that there will be no additional " surprise invoices '' even though the account has been closed since XX/XX/2019. As a consumer, I am greatly concerned after our conversation that there may be another " future surprise invoice '' for another charge American Express decides to say I owe in two or three years. This is why you clearly refused, per our conversation, to put a letter in writing stating that the {$50.00} I remitted would permanently close this account even though it has been dormant for almost a year. You also mentioned that you report directly to the chairman and your word is final. I asked to speak to your manager and you told me you had none and reported directly to the chairman, Mr. XXXX XXXX. 
Please provide me the following : 1 ) The entire account agreement that I executed with American Express. 2 ) Any application I signed or approved electronically with the disclosures. 3 ) All written correspondence that you sent to me during the time I was a cardmember. 4 ) Please confirm that your address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX and you work in Mr. XXXX 's office. 
I look forward to receiving these documents via XXXX XXXX by the close of business on XX/XX/XXXX. I remain, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have PHH Mortgage Company. We lost our home to the camp fire on XX/XX/XXXX. Our insurance company sent us a check in our name and the mortgage companies name. We signed it and sent it in to PHH Mortgage company in XX/XX/XXXX. We continued to make payments throughXX/XX/XXXX. In XX/XX/XXXX we asked PHH Mortgage to take those funds and pay off the mortgage. The insurance company based rhe payment amount on the payoff statement PHH Mortgage company sent to us. I was told by PHH Mortgage company that the process was going to be started. In late XXXX I was called by PHH Mortgage inquiring about our mortgage payment. It was then that I found out they didn't pay off the loan. I was told that I was going to get a payoff statement. In early XXXX I was called again about missing mortgage payments. It was then that the process of signing an affidavit and sending it in was going to get the mortgage paid off. I was told that it was sent to me. I found it in the back of the last payoff statement. I signed it only to find on the next page sent it in.I needed to hsve it notarized. I called and had another affidavit sent to me. We had it notarized and sent it in. We were called again in XXXX for not paying our mortgage payment. It was then that I was told that the previous affidavit expired. I was sent yet another affidavit and we had it notarized again. This is XXXX. I had confirmation that it was received from the PHH Mortgage insurance department and that we needed to pay off the additional amount before the mortgage would be paid off. As I waited for yet the third affidavit I spoke to the PHH Mortgage insurance department who told me that the payoff amounts on the affidavits were wrong and that we didn't owe more than the insurance check that was sent in and placed in an escrow account back in XXXX. In fact the check was more than the payoff so we were sent the difference, a check for over 3k. I have spoke with PHH Mortgage Company several times who states that we need to sign another affidavit for the current payoff amount. We have been asking to speak with managers only to be told they are not available and will be called 24 to 48 hours. We spoje with a supervisor today who spoje in circles and did not honor our requests and told us that they only follow their current processes. HELP!!! Now they have threatened foreclosure on a house that no longer exists and have damaged our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY
State: NC

Complaint narrative:
I have contacted Oceanside Servicing on numerous accounts simply requesting a payoff amount valid through XX/XX/XXXX. I initially attempted this via email ( as outlined in their faq ). Several days went by and we still received nothing. I have called a couple times being assured it will arrive in 3-5 business days. Still nothing. I called today XX/XX/XXXX and was assured it would be emailed to me by end of business day. I have still not received the payoff and they are closed. I close tomorrow XX/XX/XXXX, and will not be able to close without this payoff amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are 4 items that are in collections on my credit report, these items have been on my credit report in collections for 6 years. They were removed XX/XX/XXXX. The end of XX/XX/XXXX and XX/XX/XXXX all 4 were placed back on my credit report by new collection agency 's Please see below 1st XXXX XXXX date of service XX/XX/XXXX amount XXXX. 1st collection agency XXXX XXXX and was removed XX/XX/XXXX. Now back on my credit report with XXXX XXXX as High Impact. 

2nd XXXX XXXX date of service XX/XX/XXXX amount XXXX 1st collection agency XXXX XXXX and was removed XX/XX/XXXX. Now back on my credit report with XXXX XXXX as High Impact. 

3 and 4 XXXX XXXX XXXX XXXX date of service XX/XX/XXXX amount XXXX date of service XX/XX/XXXX amount XXXX 1st collection agency XXXX XXXX XXXX for both, both removed XX/XX/XXXX, Now both back on my credit report with XXXX XXXX XXXX as High Impact

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19 and the other XX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: IL

Complaint narrative:
I have called Equifax several times informing them of me being a victim of identity theft. The representative said they would delete the misprinted name and the unknown addresses that do not belong to me. They have yet to do so. I have given them my current addresss which is the same address that is listed on my I.D . Due to identity theft there were many inquiries made as well : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX and XXXX national in which I have not applied for credit with those companies. There were also 2 accounts that were opened without my authorization : XXXX XXXX and XXXX XXXX in which I need removed immediately. I have attached my FTC report for reviewal and assistance in fixing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I called Amex customer service XXXX to inquire about return protection which was on an insert included in my monthly billing statement. I reached XXXX. He said he didn't know what it was and would transfer me. I got XXXX. He was outside of Amex. He said he did not have any information about my account. He wanted my Amex account number. He said he did not have any ID number, no last name, not phone number which he could be reached at, and no supervisor on duty. He told me he could take my phone number and somebody might call me back in a few days. It is entirely possible that XXXX and XXXX were running a little bunco scheme. I was very uncomfortable. I wrote to Amex about this situation but have been ignored. Also, I have tried to contact Amex about making some changes to my rewards account and usage of the rewards points and have been ignored also. Amex should have protocol in place to protect card member information from compromise by Amex employees. Much of this ID and other crime is committed from inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TN

Complaint narrative:
I have been disputing a fraud account with Equifax since 2017 the company is XXXX XXXX XXXX. I have sent equifax police reports and documentation to Equifax stating that I been a victim of identity theft. All Equifax can do is tell me that the company stated that the account belongs to me. I have ask Equifax to provide me with proof that I open the account they will not send me any validated information saying that the account belongs to me. also Equifax telling false information they are pretty much doing what the want to do. All my rights as a consumer as been validate with Equifax and the creditor. ALSO EQUIFAX HAS 2 CREDIT FILES IN MY NAME AND SS # which means there should one be 1 credit file by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/19 - Used debit card through paypal to make payment to an individual who scammed me for tickets XX/XX/19 - used a different debit card through paypal for additional ticket to same individual. did not realize that the person paypal sent the money to was a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have been living in this home since XXXX, never had an issue with my mortgage company. 

Seven years ago Portfolio Servicing , Inc. took over from XXXX XXXX XXXX, shortly after I was informed of this information I lost my job. I called Portfolio Servicing, Inc., tried to get as much information as I could to help myself. I told them the moment I was unemployed. They gave me information about a forbearance for twelve months. 
I had no knowledge about forbearance and how they worked. This I believed at the time was a blessing! I was lead to believe that at the end of the forbearance for twelve months, a portion of the the arrears would be added to the back end of my loan. After the 12th month the forbearance was over and I was bill {$17000.00}. 
due as my next payment. 
None of this concerning the forbearance was put in written form or any notices to let me know my next payment after the 12th month forbearance was going to be {$17000.00}. I made all of the payments until XX/XX/XXXX, all of the payments after the forbearance were applied to previous months causing me to fall further and further behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted TransUnion online because they advertise a '' free credit report ''. I checked my bank credit card on XX/XX/19 and they are charged me XXXX a month and it says its a recurring charge XX/XX/19 XX/XX/19 -TU *TRANSUNION XXXX CA {$24.00} Merchant Info XXXX CA United States Merchant Category CONSUMER CREDIT REPORTING AGENCIES Recurring Transaction. yes

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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX sold my information to a Debt agency and I was never given notice of them doing it. I've called XXXX numerous times letting them know that when I called to canceled service there representative told me that there was no balance due and the service was canceled and closed. I know go on my credit report and have a company that I know nothing about and I never gave them my information reporting a negative impact towards my credit. I knew nothing about this debt nor was I even given a chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Approvals Direct, Inc.
State: CA

Complaint narrative:
I have received a letter from Homefirst Mortgage Bankers stating that they are to take legal action if I do not pay them for the month of XXXX. Loan organizer specifically told me that I did not have to pay two consecutive months. They have ignored my calls and can not explain to me why am I being asked to pay now.

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