vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
i did not request a look for any credit information about me.

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 2017-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Sears Credit Card ( Citi Bank ) with their interst rate. I will never be able to pay. {$220.00} times 2. on XXXX17. and it also affects my credit scores. BEST Buy (. CITI BANK ) INTERST RATES THERE ARE WAY TO HIGH.

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 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Readers I am having trouble with withdrawing my funds out from coinbase.com, they are not verifying my bank account and many other people i know, the procedure to verify your bank details is to send them a sepa payment from you bank and when they receive it they will verify your bank within a few days so you can have access to your funds, after sending them a XXXX  bank transfer onXX/XX/XXXXit was credited to my coinbase account the next day, i waited for 10 days then emailed them about why verification not been done, they replied with an automated message that did not have any relation to my problem, so i called them 3 times, 1st time they said wait another day, 2nd time was to send another payment and 3rd time to email my bank statement via a secure site, so i sent another payment which has also credited my account plus sent the bank statement, then waited again for a reply or verification for 4 days and nothing, i asked some friends who also opened coinbase accounts recently and they too are having the same issues. I would like them to either verify my bank details as they promised over the phone or return my funds back to my bank, i would be very grateful if you can help with this matter. Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
i did not request a look for any credit information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
As far back as XXXX/XXXX/XXXX, I furnished collection agency Hunter Warfield with proof I was paying this debt to the original creditor via a wage garnishment order. I recently learned this company is still reporting the full amount of the debt as outstanding. Last month, I mailed them a copy of the court document Acknowledgment of Satisfaction of Debt filed on XXXX/XXXX/XXXX by the original creditor showing the debt has been fully satisfied. They again mailed me a form letter, ignoring my documents submitted and listing the full debt as still outstanding and fully due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I received a letter from Diversified Consultants, Inc dated XXXX/XXXX/XXXX attempting to collect a debt from XXXX in the amount of XXXX. This is the second attempt from a company claiming to be debt collections based on a debt I DO NOT OWE because after the first attempt from XXXX XXXX XXXX, I had already confirmed with XXXX that NO such debt exists. Diversified Consultants, Inc kept trying to call me multiple time daily over the past month until finally on XXXX/XXXX/XXXX around XXXX XXXX I returned their call. I tried to explain to them that the debt is not owed but they were adamant that it was and offered me a settlement offer ( only if I gave my card information over the phone ) at a bit of a discount. When I refused, the person at the other end of the line became hostile, pressuring me " Why? Why not? '' and although profanity was not used, the tone changed and he became quite unprofessional, going so far as to mock me for saying that I wanted to be able to pay the settlement price online, stating that it can only be done over the phone. I only asked to test this person, but I am confident through my conversations with XXXX that I have no debt. I have paid all my debt through XXXX online, promptly, since I can remember. 

As an aside, each time they call they NEVER leave a voicemail and always call from different numbers. Even though the number stated on the bill is XXXX, I have received calls from the following ( to name a few ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Checking my credit, and I have n't applied to the company, it is a reoccurring problem each month

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 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I called to request a loan modification and was told by an agent that I did not qualify for a loan modification, and in order to do so I would have to stop making payments in order to qualify for a short sale or a deed-in-lieu. 
I began completing paperwork to begin the short-sale process. While doing so, I stopped making payments, as advised. I listed my house for sale with a real estate agent, and have since gone under contract for {$100000.00} which is roughly {$7000.00} over the payoff amount of the mortgage. 


Whenever I forward the information to Ditech, they tell me one of the following, in various orders : ( a ) they have not received it ( b ) its not complete ( c ) its the incorrect form ( d ) its nothing that they can do ( e ) they are not going to do anything to change the foreclosure date I have never been able to complete the paperwork, according to ditech even though I am constantly following up with them. Ditech 's representatives make it entirely too difficult to complete the paperwork, as most of it is not available to be done via a webapp and it 's hard to verify or confirm whether or not they have truly received my paperwork via fax and/or email. I have even heard that my emails are too hard to read so they have thrown them out. My real estate agent and I have both pleaded with the company telling them that we have offers far above the payoff amount of the loan. It seems that the mortgage company is more interested in foreclosing on my home than they are with actually helping me to sell it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Family Credit Management
State: MN

Complaint narrative:
I contact Family Credit Management 2 years ago to help consolidate my debt. Since then nothing seems to be improving. My debt is going down but at same time they fail to inform me of changes that are being made. Examples are late payments and missed payments. I pay them two times a month and I trust them to deliver the funds to the correct account. I feel that by going through them to repair my credit is it has gotten far worse. While I had debt it was manageable and steady decrease and credit score was decent. Now I barely have any open credit accounts and its hard to open new credit lines to build credit. The amount paid twice a month are XXXX dollars. During the past few months the amount has suppose to be increased to XXXX to meet the demands of the creditors and they failed to mention this to me as I noticed missed payments and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
I made an account with Coinbase several years back when it was within there terms of service for a XXXX year old ( XXXX ) to become a member. Come 2 years later ( XXXX ) when I am now XXXX I logged back into my account to purchase bitcoin. I even got a joint bank account for such said purpose. I was able to transfer XXXX dollars from my bank to bitcoin and ethereum with no problems and without ever having to scan in any form of id ( drivers license, etc. ) A few days later ( 2 weeks ago ) I  edited my information to include my birthdate and then got an email from Coinbase saying that under XXXX year olds could not participate in their service. I think I am entitled to convert my bitcoin into usd and send it back into my bank account using their exchange as no id was initially required and I was not informed of the XXXX change. If I try to change my bitcoin into usd using another method I could literally lose half of my invested money in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
The issue with XXXX started in XXXX XXXX. My IDR paperwork FINALLY was processed ( submitted in XXXX ) and the new IBR rate was more than double the previous year ( {$640.00} to {$1300.00} ) This would make sense if my income changed, but it did not. I did file taxes jointly with my husband that year, but again this amount did not make sense. I called and was told the IBR rate was miscalculated - my husbands student loan debt was incorrect by {$80000.00}. Despite, their mistake, I was still told I had to pay this miscalculated amount ( even though this was not my fault ). After many phone calls and hours of questioning, they agreed to apply for an administrative forbearance. This forbearance, I was told, would not penalize me for not being able to pay this incorrect rate, and wouldve temporary until the next month when the correct IBR rate ( {$940.00} ) was processed. During this forbearance, I paid the amount of interest that would be accrued ( {$950.00} ) but my loans capitalized, adding {$15000.00} onto my current principal. Again, I called, and there was nothing we can do. During this time, I was also concerned about this IBR rate  since it was {$300.00} more than the previous year, without any change in my salary. I was told I could apply for a change to the lowest monthly fee, which in this case would be the RePAYE plan. I submitted this paperwork in XXXX, shortly after I found out about it during my first phone call to XXXX. Throughout my subsequent phone calls with XXXX I was told that my monthly payments would be {$940.00} for XXXX and XXXX ( the correct IBR rate ) and then would change to {$640.00} ( the RePAYE rate ) for XXXX. Great. Fast forward to XXXX. My bill for XXXX is now a whopping {$2300.00}. (?! ) Yet again, I have to call and spend hours on the phone explaining the situation and fighting with XXXX. With a XXXX XXXX XXXX XXXX and the holidays, the continued financial hardship XXXX is causing me is putting me over the edge. I have always been willing to work with them and have paid all of my payments on time. Enough is enough. This is negligence and abuse. Please fix this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I visited the Emergency Department for an injury that occurred at work. I filed the necessary paperwork since the injury should never have been billed to my personal insurance. It was mistakenly billed to my insurance and a balance was then determined for {$510.00}. After multiple attempts to get XXXX Medical Center to dissolve this false debt to no avail. I recently received a letter from a collection agency and they have not given me anyway to contact them without providing them with more personal information and they have requested a rebuttal in writing but have failed to give me a way to contact them in writing. The collection agency Transworld Systems who 's number is XXXX. I will try and contact them via phone but I must be able to submit something to them and writing. I only have 30 days according to the letter and it has a date of XXXX/XXXX/XXXX on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have a debt in the amount of {$490.00} from the original credit XXXX XXXX that was sold to XXXX XXXX XXXX collection that was later deleted and now has been resold to XXXX XXXX. I was not aware of this account being put on my credit within in 5 days prior to being reported to the credit bureau. As well I have talked to XXXX XXXX XXXX on more than numerous occasions in reference to this debt and getting a letter to verify this is my account which was never received. XXXX XXXX this particular collection company is not licensed to collect in the state of TEXAS.As for the account being sold I am no longer liable to pay for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
In XX/XX/XXXX Attorney XXXX XXXX help to take my home of eighteen years. 

He did not do any research to learn of the history of my loan. I paid off the loan I had with XXXX XXXX XX/XX/XXXX. The Deed of Trust was documented in XXXX County register office FZ page 4716. XXXX was paid in full by XXXX XXXX XXXX {$11000.00}. 

XXXX XXXX XXXX transferred my loan internally in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I 've been told by them the bank was restructered, yet I was n't notified. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX located in Texas. 

I was n't notified, it does n't appear as though US Bank Home Mortgage was notified. Three different Federal Identification numbers was used, with the same loan number to report my XXXX-mtg interest statements to IRS. 

I just learned of this XXXX XXXX. I just recently received payment history for XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 

I was under wage earner when these transfers was done. Government records have been tampered with using my personal information. 

I recently pulled my credit report to learn that someone added a address for Michigan to my credit report. As I 've mentioned my credit report have been manipulated. 

The FBI told me to pull my tax transcripts to learn that XXXX was reported to IRS in XX/XX/XXXX. They was a sub-servicer for XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Loans did transactions on behalf of XXXX XXXX XXXX XXXX a division of XXXX XXXX XXXX/ their corporate office located in XXXX Texas . XXXX XXXX XXXX Loans was n't on my credit report when I filed bankruptcy in XXXX. 

This is/was a Breach of Contract. As I 've mentioned, I now have a copy of payment history from XXXX XXXX XXXX XXXX. I did n't make payments to XXXX XXXX XXXX XXXX, because I just recently learned of them/ XX/XX/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 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, XXXX, there was an attempt to transfer XXXX Litecoin from the cryptocurrency exchange XXXX ran by Coinbase, to the cryptocurrency exchange Binance. To transfer cryptocurrency from one exchange to another, it should take only as long as the blockchain takes to confirm this transaction, as no bank processing is involved. Stated on the Litecoin blockchain explorer site, transactions are confirmed after six transactions. Currently, XXXX XXXX, XXXX, my transaction has XXXX confirmations and still counting. My LTC transaction hash is, XXXX. By searching this hash on, XXXX XXXX XXXX the transaction can be found. XXXX Litecoin is roughly equivalent to {$1300.00}, which is a decent amount to be missing for 10 days now with absolutely no response from the company. I sent the company a support ticket but still have not received a response, and the problem seems to be shared across a lot of users according to social media. 
Because there has been no type of response or acknowledgement of this issue, I am afraid my funds may not reach my account. I would like to know more about filing a lawsuit against Coinbase and XXXX for financial mismanagement. If this can not be done, I am curious as to what regulatory standards this company is being held to concerning their legal financial management. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: WA

Complaint narrative:
Equifax had my old address, which I then initiated to change on XX/XX/XXXX. I then get an email from Equifax saying that it was resolved onXX/XX/XXXX. However, they changed my address incorrectly, but I do n't even know what they changed it too. Whenever I now try to initiate them to relook at it, they can not look me up in their system because the address i give them does not match their records -- but i do n't know what it is. I have no way of knowing what they put in place so now I am stuck. I am trying to get a home loan from my bank and the bank can not access my credit score because of this XXXX issue. It is very frustrating and now I am stuck in an endless loop -- i have to guess what they actually put in as my address but i have literally have no way of knowing. I only have a confirmation code, which is XXXX. Why is n't this enough to locate me???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX has conspired with some outfit ( XXXX XXXX XXXX ) in a attempt to having them extort monies claimed owed to them that have already been previously paid to XXXX XXXX XXXX in full, and charged off which is illegal per tax reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
There is a block or something by Capital One 360 that is not allowing me to enter my Capital One login information or access code that I 've generated through them to verify my account through external applications and I did not request this block and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX XXXX taxes garnished as payment for a loan that falls under student loan forgiveness. XXXX univeristy is closed for predatory practices and now Navient is a co-conspirator. I was unable to finish college in XXXX due to my 'credit line ' was maxed out and could not re enroll. No transfer of credits until final balance is paid. 
My transcripts are still held hostage to this day. 
I will not pay them a XXXX cent. I can not go back to college with the way they left me. Its now 8 years later and theyre taking everything. 
Next step in mail is garnishing paychecks. I refuse to allow someone to forcefully take my money over a debt that I was lied, tricked, decieved into believing would be payable after earning my degree.

Company response to consumer: Closed with explanation