vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Asset Acceptance set forth a motion for a writ of garnishment on JXX/XX/XXXX, which I was not notified about. I discovered this levy on my bank account thanks to XXXX  email notification on XXXX of XXXX, XXXX  at approximately XXXX. According to XXXX, the hold is for {$6500.00}, yet the writ of garnishment specifies that the amount is {$3200.00}. In addition to not being properly notified by Asset Acceptance or that Asset Acceptance had employed Midland Credit Management to conduct their legal proceedings, both Asset Acceptance and Midland Credit Management did not notify me of intent to garnish wages, they claim I was served on XX/XX/XXXX, but I have no copy of aforementioned summoning. When I attempted to contact the attorney overseeing my case, Case # : XXXX at Midland Credit Management va phone ( XXXX ) on XX/XX/XXXX, a Midland Credit Management representative provided unusable and/or false email information for the attorney managing the writ of garnishment, XXXX XXXX XXXX, whom I emailed to no avail, because the message was undeliverable. Today, XX/XX/XXXX, I attempted to contact XXXX XXXX XXXX at Midland Credit Management va phone ( XXXX ), but was informed by a Midland Credit Management representative that XXXX XXXX XXXX was not representing Asset Acceptance in the aforementioned writ of garnishment ( Case # : XXXX ) despite her name being checked off as the attorney overseeing the case ( Case # : XXXX ). The Midland representative during this phone call, further instructed me that the new attorney in charge of my case ( Case # : XXXX ) was XXXX XXXX, but that shes wasnt in her office and I could leave a voicemail, which I did. I was never notified by Asset Acceptance or Midland Credit Management, in any capacity, that the attorney in charge of my case ( Case # : XXXX had been changed. I can not resolve my case ( Case # : XXXX ) if Asset Acceptance and Midland Credit Management continue to evade and misdirect my attempts at communication with the attorney in charge of my case ( Case # : XXXX ). Asset Acceptance and Midland Credit Management appear to be running down the clock on the writ of garnishment ( Case # : XXXX ), thereby disenfranchising me of my right to communicate with the attorney in charge of my case ( Case # : XXXX ) for a resolution. Ive specified in my emails for XXXX XXXX XXXX and XXXX XXXX, that the writ of garnishment ( Case # : XXXX ) is creating extreme financial hardship on my ability to simply exist, any and all expenses and bills are on hold, because I dont have the funds to even get a tank of gas. Im currently waiting for XXXX XXXX, the attorney with Midland Credit Management, who has assumed charge of my case ( XXXX ), to respond via phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Completed online mortgage application online via US Bank Loan Portal, on XXXX/2019.  Assigned XXXX XXXX as the mortgage loan specialist.  Received a voice mail message from Mr. XXXXr (XXXX) and returned call on or about XXXX/2019 and left a voice message to contact me back (XXXX).  No response via phone, mail or email.  Application status is being delayed for no apparent reason.  A hard credit pull was done on XXXX/2019 and impacted my credit score.

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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am in receipt of a letter dated XX/XX/19 from Portfolio Recovery Associates to collect a debt owed to XXXX XXXX. At no time did I received notification from XXXX XXXX that they have hired Portfolio Recovery Associates to collect this debt. The account number for Portfolio Recovery is XXXX. The Fair Debt Act specifically states that a creditor must send a letter to the debtor informing them that they have sent this debt to a collection agency. I never received such a notice from XXXX XXXX. I have had problems with this collection agency picking up old debts that were written off by the creditor. I am asking that this company cease and desist from attempting to collect this debt from me : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX dispute to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, XXXX XXXX, I contacted Coinbase Support with the following email, " Hi, My name is ******* *********. I am trying to initiate a transfer from my vault to my bitcoin wallet. Unfortunately, it seems that my secondary email address has changed without me doing it. I need my secondary email address changed back to the original one ( XXXX ) so I can approve the withdrawal from my Vault. 

If you need any additional information, please let me know. My phone number is XXXX. You can also reach me at either XXXX or XXXX. 

Thank you, XXXX '' I also called them on the same day thru their support number on XXXX, to reiterate my concerns, and I spoke with XXXX. He told me he would immediate forward my case to a specialist team. 

Coinbase emailed me the following on the XXXX of XXXX. : " Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

All the best, Coinbase Support '' I have been waiting for a month for Coinbase to  resolve this issue, and during this time when I have wanted to withdraw my funds, bitcoin has fallen from {$14000.00} a coin to below {$10000.00}. This type of customer service is ridiculous. 

I called them today ( XX/XX/XXXX ) to inquire about my account information and my inability to withdraw my funds, and it seems that they have not been working on my case, and XXXX, the service representative I was speaking with, repeated the same lines that XXXX said, and would be unable to do anything about it. 

All I want to do is withdraw my money out of this organization. Changing my secondary email address without my permission should never have happened in a company of this size. And XXXX my issue, yielded results that this has happened to many other people, yet Coinbase is doing nothing about fixing the error with their own system. 

After I called them on XX/XX/2019, the sent me two emails saying that they would look into it. I have attached those 2 emails. If you look at the attachment called email2, it says " Please note that these reviews are typically completed within 5-7 business days. '' It has been over a month since they said that, and there is no progress so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: SIMM Associates, Inc.
State: NC

Complaint narrative:
Simm Associates is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX  or XXXX  report so I am filing a complaint. They only responded to the XXXX  compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I enrolled with XXXX  XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.

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 2019-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.

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 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
The company that has caused a problem to me is PayPal. PayPal has permanently limited my account without giving a temporary limitation to show proof of ID, I have 100+ in my account at the moment, and I can not withdraw it or use it due to them limiting my account. I have called PayPal, let them know Im reporting them, and theyve told me that I am stupid for thinking I can report them. I have then asked if they can unlimit my account, or release my funds but theyve told me that they cant because their system doesnt allow people to be unlimited which is a lie. I then asked when I can withdraw my money and they said 180 days! Thats too long and I got to pay fees for other services, so I need my money desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: NY

Complaint narrative:
I spoke to the original company. Their workers made an agreement to keep the TV and other appliances in the apartment and agreed to remove everything else. They obviously didnt do it. I just explained the situation to the creditor and I also explained that I was in the process of purchasing a house and the creditor basically threatened my with the good luck trying to buy the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my TransUnion or XXXX  report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks 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 2019-07-31 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:
XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX or Experian report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks 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 non-monetary relief
Consumer complaint received 2019-07-31 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: MNS & Associates LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX was placed in charge off status I reached out to either settle the debt or make payment arrangements there csr rep put me through to a collections specialist. The specialist informed me that my account had been sold and that she could not help me I needed to call back in a few weeks and that a letter would be sent with the information for the new company. I waited for weeks and called back no luck nor did not receive a letter. I started receiving calls from this company MNS saying I have a legal action against me and that a judge has will motion a civil suit and arrest against me. On XX/XX/XXXX I make a phone call out to this number 877 number a gentleman tells me that I am going to taking to jail and have a civil action placed against me if I do not pay this {$700.00} dollar balance. I did cut him off and informed him that I have made attempts to pay the balance and no notice was sent to me and every time I call I get nothing. I said if you send me a balance due invoice, I will look at it call back and work on paying. He informed me that he was not sending me anything. I will either pay or be sued or arrested. It got into a heated argument at the point where I told the gentleman do not contact me again and hung up. They have even called my mother on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10 times in a row leaving voicemails on her line my mom answered once and asked them to stop calling her. I get this local XXXX XXXX XXXX number calling me they will leave a voicemail with people just talking in the background. on XX/XX/XXXX my work line received and missed phone call and voicemail with the same thing. My co-manager called the number back he proceeds to ask for me but butchers the name and my co-manager says he has the wrong number this is a clubhouse line. He tells my manager to stop lying he knows it is me she said I have no idea what you are talking about this a work line. I am being constantly harrassed my co-workers are being talked to in an ill manner and my mother is being harrassed. I need this to stop before I lose my job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
on XX/XX/2019 @ XXXX she came to my door in person and threaten to garnish my wages beginning on XX/XX/2019. This is a unsecured loan that I have in a Debt reduction program. I have sent notice to the creditor First Heritage Bank that I am in this program.

the lady that came to my property and threatened me is XXXX XXXX -Branch Mgr phone XXXX this is not acceptable and is against the law.

Unfair Collection Practice I do not want any further contact from this bank. They have been notified to call the Company I enrolled my Debt with XXXX @ XXXX which is the main # I requested this account to be closed at consumers request and that I fully intend to complete the debt reduction program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA is erroneously reporting several items on my credit report file.

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I recently opened the account on XX/XX/2019. It is not what I thought it would be, no checks, and no ATM, etc. As a XXXX person on Social Security, I was looking for a new fee account, but this is not working for me. So I want to close the account. I paid one deposit for {$25.00} and made a cell phone bill for {$25.00} making a XXXX balance, what I am afraid of they will start charging me for no money in the account and try to collect, thus I want to close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I receive an offer to increase my credit limit and called in, instead of doing online. The person took my income information and asked other questions and stated I would hear back if they had any thing. I explained the letter read it would be instant, he stated he would need my social security number to do that, I asked if this was a credit pull and declined after he told me that is the only way to get instant determination. I called back weeks later and spoke with a manager and she stated the person never submitted the information and it was a time sensitive matter and she would escalated it, to possibly reopen the file. 

XXXX XXXX from Texas office called me on XX/XX/2019 to inform me he listens to the call and the representative did everything correct. I told him that was bull XXXX, and I was going to file a complaint. 

My wife receive the same letter and went online and received instant increase. I think Chase was misleading and just collected information from me.

Company response to consumer: Closed with explanation