vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Violation of PayPal 's policy on custom painted items. Unfair/no grounds for account limitation. The reason provided is excessive risk. 
Hi, my account got limited without any proof that the bags I am selling are not authentic. Also, PayPal granted a refund to the buyer for the custom painted bag while, according to PayPal 's policy, custom painted items can not be returned. I did speak with PayPal representative who confirmed that as well, but my account got limited the next day through the automatic reply. All of the bags I 'm selling are authentic XXXX XXXX bags that I legally and lawfully buy and own, then customize and sell. A customer who opened a claim against me has had the bag for XXXX months, then opened a case against me on PayPal that it is not authentic. XXXX has a policy that if the buyer claims the bag is n't authentic, they have to get a certified copy from the store that it 's not authentic. Instead of looking into this claim thoroughly, my account got limited. I have sold over 100 bags through XXXX, XXXX, XXXX, XXXX, XXXX, and my website. All of these platforms never had a problem with me selling allegedly counterfeit items as PayPal assumed and never limited my accounts. I am only selling authentic XXXX XXXX bags, and not only bags by this brand, but also by other brands. Please look into this issue instead of sending automatic replies. Thanks, XXXX Account ID : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX had a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
When I canceled my XXXX account in XXXX I had not agreed to a new contract for XXXX years. I brought my last phone on line and paid cash. When I called to cancel, I was told I would have an early termination fee and I requested a copy of the contract I had agreed to so we could resolved the issue, and I never received the contract. I disputed the information on my credit report in XXXX XXXX and they said the information was correct but still has not provided the last contract that I requested to prove the debit was legit. Only thing I got from XXXX is a bill for {$380.00} with no break down of the charges. I understand that XXXX was upgrading their system here in XXXX NC but the lack of service and the constant drop calls were killing my business. I was with XXXX XXXX for XXXX years and dealt with a lot of changes but never pictured they would not give me the proof that I was under contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX, my mortgage was transferred from XXXX XXXX to Nationstar/Mr. Cooper mortgage. I had made my XXXX payment to XXXX prior to the transfer, but somehow, initially the advice of my XXXX payment was not communicated. I worked with Mr Cooper and they eventually did find the payment after I forwarded them proof. They assured me that there would be no negative impact to my credit as the error was not my fault and it was also during the RESPA period. This was a lie. They are reporting me with a 30 day mortgage late for a payment that was made to the previous services PRIOR TO the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.

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 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
I filed a chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a hearing on XXXX XXXX, XXXX. To figure payment to creditors and that totaled {$2400.00} a month as well as {$1500.00} mortgage payment. I had to submit a payment on the XXXX for {$2400.00}. My case was continued to XXXX XXXX, XXXX. Because I filed on XXXX XXXX, XXXX I was expected to submit another payment of {$2400.00}. Which was only 2 weeks from first payment. I am currently employed at XXXX XXXX and am a single mother to XXXX children. XXXX of whom is special needs, On XXXX XXXX, XXXX. I opened my home to a family displaced due to transitional housing cut backs.One person in that family has health issues and a XXXX. Due to this forclosure XXXX families became homeless during the Holidays and the cold of winter.. I have aquired my home with my husband during our marriage XXXX years ago, and seperated from him in XXXX. We are now going thru a XXXX, I originally left our home and rented a home with my XXXX XXXX XXXX daughter. We were evicted due to violent outbursts and destroying rental property by my XXXX XXXX son. Who is XXXX XXXX XXXX and very disruptive. He is a habitual XXXX caller. I returned back home to save it due to my husband unable to make house payment. I came back to a house that was destroyed.We had no water and no heat, and alot of damage. It took me 8 months to make the house livable again. After only 12 months me and my childrens home was sold at auction on XXXX XXXX, XXXX. What makes it so devastating was that I was never even notified of the sale date. Or given a chance to try at all costs to secure and save our home for my kids. The new owner just appeared on my doorstep unannounced on XXXX XXXX, XXXX at XXXX. She was threatening to evict me, and I had no idea that the mortgage company had even auctioned off my home. Because XXXX XXXX had accepted 2 payments in last 5 months, and then without notice sold my home out from under me. I can not rent due to my son and the eviction on my record. And now I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I sold XXXX on coinbase.com and the bank transfer ( XXXX ) is still pending, it was on the XXXX of XXXX. 

Multiple people have the same problem, they just email you some generic response and nothing. It 's about XXXX XXXX, which I need to finance my house. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I currently owe only {$12000.00} on my mortgage and I have no credit card debt. My credit score is 820+ I tried to get a line of credit secured by by house so I could pay off the existing mortgage and start a new business selling on XXXX . I asked for only {$75000.00} and my house is worth {>= $1,000,000} If I used all of the credit line it would reduce my monthly payments by {$220.00}. I currently have {$50000.00} is stock and savings. PNC holds my mortgage and that is where I applied for the line of credit. It seems unfair that I got turned down when I have enough money in the bank to pay of my current debit four times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Wire withdrawal of {$10000.00} from XXXX ( coinbase ) on XXXX XXXX. I have submitted numerous requests for assistance and get packaged responses or none at all. 

Details below : transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
My case number is XXXX. 

I first contacted coinbase on XXXX.. I was following the steps to reset my 2-step authentication when you no longer have access to that number. It sent  a code to the old number even though I no longer have access and within a few minutes I got an email saying I had successfully changed my password. I put a temporary disable on my account because I wasnt sure if someone gained access to my account because coinbase sent that code to a random person.. even though again I put that I had no longer access to that phone number. So this all started because coinbase compromised my identity. 

I have sent multiple emails, waited on hold for over 2 hours on 4 separate occasions, escalated my issue, reached out on XXXX and XXXX. Coinbase sent me an email to explain My case and escalate it on XXXX/XXXX/XXXX. It had already been almost a week. I was told my issue would be solved within 10 days. 

I think this company is a fraud and is purposefully withholding my login. I cant possibly imagine a company that will not contact you back for weeks when it is involving time sensitive money when all I needed to do was change a telephone number on my account. I have lost money and I am very upset. 

This is happening to hundreds if not thousands of people. Literally all I needed was someone to let me change my telephone number and unlock my account. My money is held hostage and I can not withdraw until this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Over the last 3 days, Equifax has decided to remove all accounts that I was an authorized user on. I did NOT dispute these accounts and am still a valid user on each of these cards. This intentional action has caused significant harm to my credit score as I attempt to rebuild my credit. These accounts have considerable age and positive payment history that I have been trusted by the card holder to also have access to. I have responsibly used these authorized user accounts and Equifax has no cause to remove these accounts from my report. The accounts are as follows : XXXX ( XXXX, XXXX XXXX XXXX Delaware ( XXXX, and a XXXX credit card ( XXXX ). This action has dropped my average account age to XXXX year and XXXX mos, whereas previously my account average age was well over 6 years. I do n't understand why an organization such as Equifax, which a marred public image due to the recent security breech ( of which my account was one of the records compromised ), could behave in this way. I can only assume that Equifax has malicious intent with these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Francy Law Firm, P.C.
State: CO

Complaint narrative:
The language on the XXXX XXXX XXXX is threatening. It states in part "a bench warrant "will" be issued for your arrest" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA "least sophisticated consumer" language should apply. This is a classic definition of a "least sophisticated consumer" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PR

Complaint narrative:
Around XX/XX/2012 different companies under different names started calling my about a debt. Im not sure if it is a loan or credit card. My name is pretty common so I figured it was all a misunderstanding or identity theft. I tried to explain the company the person that owed them the money was not me. They kept calling repeatedly several times a day, they even harassed my partner and family to collect the debt. I even lost a job because of the derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Credit card was a student card. While I was living on my college campus, all of my information was stolen ; along with the card. When I saw activity on the card that was not mine, I called the bank immediately. I not only had a credit card, but a regular checking and savings account as well. Wells Fargo stated how sorry they were and told me they would do everything they could to help. After numerous attempts and calls, nothing was done. I went and closed all accounts within 30 days of no help. Despite multiple calls informing them of the situation, and false promises, I ended up having to pay almost {$350.00} worth of debt from my checking account because they threatened to send me to collections. All debt owed was due to overdraft fees that I did not cause. Wells Fargo continued to harass me concerning the credit card for months. When sent to collections, they told me if I did not make any type of payment plan, despite my card being stolen and charges owed were not mine, that they would sue me personally for the debt owed. I began to pay the debt monthly for {$50.00}. Around XXXX of 2015 I received a call from Wells Fargo asking to pay the debt in full. I told the representative that I already was paying a monthly payment for debt that I did not cause. She then proceeded to ask how much I was getting in tax returns. I became upset due to the fact that since I was already paying monthly, I felt violated that she was asking about my personal business when I already had a current obligation to pay. After a few months of continuous harassment, I finally asked to speak with a supervisor. I explained to him every detail that happened from the beginning. After stating that I had planned to get my family lawyer involved, and due to all that I had gone through, he informed be the debt would be removed from my credit report. Upon recent investigation into my credit report, Wells Fargo has not removed the collection from any of the credit bureau 's. The account status states, Closed-Derogatory. I previously disputed and the remark states Charged off as bad debt Dispute resolved ; customer disagrees. This was not the original agreement I had with the supervisor.

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 2017-12-30 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company name. This is a nationwide company I am speaking of. The company is Bridgecrest formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.

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 2017-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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