vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
- My password did n't work on coinbase so I clicked 'Forgot Password ' - It send you to a page and says, " enter your email and we will send an email with recovery steps. 
- This is what I get : For security reasons, we are unable to reset your password. Please request a password reset from a browser or device you have previously used to access Coinbase. 
- I did use my device. So it sends me in a loop - So there is no way to reach them and they have XXXX of my money. This is insane! 

Here is what they say below and when you use the contact @ coinbase, you get an email that says The XXXXXXXXXXXX email address is no longer monitored. 
XXXX For more information on why this is necessary, please see our help doc. 

If you did not request your password to be reset or you are unable to reset your password from a previously used device, please contact XXXXXXXXXXXX. 


Re : Why are you not responding to me after 9 days. Please help! 

Coinbase XXXX XXXX XXXX, XXXX XXXX PDT The XXXXXXXXXXXX email address is no longer monitored. 

The Coinbase Support team will ONLY be able to respond if you submit a request via our support portal : XXXX XXXX XXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
UNKNOWN InquirieS XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX/XXXX Date Filed XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX OF NEW Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX 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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, XXXX all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.

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 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC
State: TX

Complaint narrative:
Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I disputed a charge for {$52.00} on my account ending in XXXX. Charge is dated XXXX/XXXX/XXXX. The dispute was opened on XXXX/XXXX/XXXX. I supplied proper documentation to the merchant explaining what was ordered and that the order was never complete. On XXXX/XXXX/XXXX I received a letter saying that the bank is unable to process the dispute and will not help me in obtaining a permanent credit. The bank refused to open a dispute and instead said they can not help me. I never received what I ordered, and the bank is refusing me further assistance in the 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 non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Your case ID for this reason is XXXX. My account was limited XXXX XXXX2017 and its been over 180 days that my money has been held. I have {$230.00} USD in my account. Please release my money for withdrawal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: TX

Complaint narrative:
Prior to Move-Out- I called XXXX XXXX to ask about move out requirements. I submitted the required notice to move-out as per the lease. I was not given any standards to which the apartment should be cleaned nor were any listed in the lease. I was simply told i should clean the apartment and move out. 

XXXX- My lease with XXXX XXXX ended. My keys were returned to the front office, and my apartment was cleaned. 



XXXX- I recieved 3 letters from Consumer Collection Management Inc. attempting to collect on separate debts. One listed my name, two did not. 
The letter listing my name cited a debt of ~XXXX dollars listed as " miscellanious '' from the original creditor XXXX XXXX. I had recieved no prior notice and was not contacted about any " miscellanious '' fees by XXXX XXXX prior to this letter from Consumer Collection Management Inc. 

XXXX- I called Consumer Collection Management Inc. to dispute the validity of the debts, I was told It was n't neccessary for me to submit my dispute in writing but that I probably should. Of the 3 letters, only 1 had my name and the following 2 had names I do n't recognize as well as differing account numbers. While on the phone, I resolved the issues with the 2 letters that did n't match my name. I also immediately resolved an issue of another debt I was told by the representative was under my name. This debt aparently was from someone with a differing birth day than myself. At this point I 'm sincerely concerned about the handling of my information as well as my privacy, espcially regarding a debt that i dispute the validity of.
The representative informed me that the debt in the letter bearing my name consisted of " miscellanious '' fees, for not returning keys and for cleaning of the apartment. I disputued this debt based on the inaccuracy of the underlying claims, as the apartment was both clean and the keys returned to XXXX XXXX. I also question that the debt in question is mine, as I now have heard of 3 debts from CCM that were n't mine but contained some conscript of my personal information. This shows a mishandling of my personal information/breach of privacy by either or both CCM and XXXX XXXX. As well as a breach of privacy for those debtors whose letters were sent to me. 

XXXX- I submitted my dispute of the validity of the debt that had my name attached to it. 

XXXX- I 'm filing a formal complaint with the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( BoA ) ( the servicer ) withdrew two months of PMI/Private Mortgage Insurance AFTER XX/XX/XXXX, even when the legal contract states that PMI will be terminated ON XX/XX/XXXX. 

In the legal contract, it states, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. '' The servicer notes that PMI is paid in arrears but they can not find any documentation of it in the original signed contract. The only thing found was that PMI is to be automatically terminated by XX/XX/XXXX, with no further payments. 

If there are payments to be made due to poor planning on the servicer 's part, then they should be responsible for it, not the borrower, who has already paid thousands in mortgage interest and PMI over the years. 

I tried to make efforts to resolve this directly with BoA but I ended up playing phone tag with a representative and, after a few times that I left messages, the representative stopped returning my calls. 

You will find two documents attached. The first document BoA reported to the CFPB, dated XX/XX/XXXX, had no PMI taken out after XX/XX/XXXX and also a lower monthly bill. Then I was sent another document, dated XX/XX/XXXX, with two additional months of PMI taken out and a higher monthly billing. 

From my understanding, if money is taken from an account outside the legal contract and/or without the account holders permission, whether it be this year or any future years, then it is considered fraud and/or embezzlement. If BoA is willing to do it so easily, then who 's to say they wo n't do the same to others or the government.

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 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Capital Bank has refused to honor their Virgin America Visa Signature Card sign up bonus. Their credit card bonus terms state : " Earn XXXX bonus points after you make {$1000.00} in eligible purchases within your first 90 days as a cardholder. I have had the card since XX/XX/XXXX. I have spent over {$1000.00} within first 90 days, and the last qualifying purchase posted to my account on XX/XX/XXXX. It is going on seven months since the spend minimum was met. On XX/XX/XXXX, I secure messaged and previously called Comenity and their reps said they will not take responsibility for their own credit card promotion and to contact Virgin America. I contacted Virgin America in XX/XX/XXXX and they also take no responsibility and have not responded with a resolution after multiple calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received CC from Capital One in XXXX XXXX, with {$300.00} limit, charged {$340.00} by middle of XXXX. 
I made an earlier than required {$50.00} payment on XXXX XXXX, XXXX, from my XXXX XXXX account, from my actual funds on deposit from my Social Security ACH deposit, not from any funds of XXXX, bringing the balance down to {$290.00} by Statement of XXXX XXXX, XXXX. 
On XXXX XXXX XXXX, I was desirous of receiving funds from my Brother and my Sister-In Law, in California and inquired of XXXX as to how such a transfer might be accomplished, though I was informed that no such avenue existed if the sender of funds did not posses the same kind of XXXX card ( XXXX ) as opposed to any other type of XXXX card. Since my Sister-In law has XXXX XXXX Bank account ( s, ) not Capital One or a XXXX XXXX, I called Capital One to inquire as to how such a transfer could be accomplished and was informed by their CSR as to the process and the transfer time and dates of posting of the anticipated {$300.00} transfer. 
I emailed the CSR 's instructions to my sister-in-law XXXX/XXXX/XXXX at XXXX CDT : " CALL XXXX and give them my account number XXXX XXXX XXXX XXXX exp XXXX CVC XXXX stating that you wish to send {$300.00} ON A ONE TIME ONLY basis and then supply them your routing number and account number, none of which discloses to me. 

If you do this before XXXX XXXX, i am told, the transfer should be compete by tomorrow morning. 

Call me back if any questions. '' Thereby a {$300.00} payment was applied to my account on XXXX XXXX, XXXX, which cleared on XXXX XXXX, XXXX, bringing my balance to - {$0.00}. Upon clearance of payment Capital One decided to put a ten day hold on the payment, rendering my available credit as XXXX, for some unexplained reason, except that such payment, made by a blood by marriage relative, the wife of my older brother, who is a well known XXXX XXXX in XXXX California, and who is also, as I, an XXXX XXXX, was considered as sufficiently suspicious to require such a hold which would literally close my access to well deserved credit, and absorb the entirety of an amount of money needed for various purposes at the beginning of the month and denigrating my Credit Score,  which is partially determined by existing AVAILABLE CREDIT, while Capital One states that such available is presently XXXX when the account is fully paid and the original credit line should have been restored upon such fully satisfactory payment, made according to instructions provided by Capital One. " What 's In your wallet? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: NC

Complaint narrative:
I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am with Select Potfolio Servicing and I was 2 payments behbnd.I thougt ii was on a repayment plan but they said I was on a tiall modification, ye ii never applid for one! but the modificatinis is more than my normal payments. 
Also due tomy XXXX and the mortgage increase i can no longer afford my gas bill so i have noheat nor hot water.My home is in a rural moutsin area whee it snows!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi all, I 'm in a limbo because I 've sent a SEPA transfer on XXXX XXXX XXXX 2017 to Coinbase account, and after verification process Coinbase said It did n't never receive it ( I have an open ticket with coinbase ). 

I have contacted my bank and it said the transfer was OK, but the amount has not sent yet to my EUR wallet. My bank is sure about the payment : was correctly done with all information required and to the right destination. 


I 've sent payment trace of the transfer to Coinbase and all was required, but my payment is disappeared!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
They said due to my loans being private the only option I had was to extend my payments out an additional five years to save {$75.00} dollars. My only options before were forbearance or interest only payments. Literally half of my take home goes to paying my student loans and they are doing nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Rent recover solutions reinserted an account to my report without properly notifying me within 5 days which is against the FRCA. As previously discussed with this company, this is not my account, I am not responsible for this account, and I do not have a contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I was pre-approved for a mortgage refinance from Wells Fargo. They told me I needed to pay IN ADVANCE, {$540.00} for taxes and appraisal fee. I was very reluctant about paying, but they told me I could n't close without it. I wrote an email stating that " In the unlikely event that you could not close the loan, I would be owed a FULL REFUND of the amount collected. '' On XXXX XXXX, XXXX, Wells Fargo charged my credit card for the amount stated. On XXXX XXXX, Wells Fargo called me and said that they are no longer approving my loan. When I asked them for the refund on the money they extorted from me, they said " Sorry, but no refunds ''. They are scamming credit worthy applicants out of their hard earned money by promising approval, taking the upfront money, then once they have collected, refusing to close. This company should not only be held responsible for refunding the money, but be criminally prosecuted for their actions. Thank you in advance for your assistance.

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