vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
At Coinbase.com I have over  XXXX  invested in  XXXX . However, for the past week the Buy / Sell option -- the only way to change  XXXX  back into  XXXX  -- had been  disabled for me for  no apparent reason. I still have a verified payment method that I used to buy   XXXX   with in the past, but the option to buy or sell currency is no longer available. So right after investing, I have been locked out of all my assets.  <P/> I have sent multiple messages t  o Coinbase support with no reply. I fear that I have been scammed into investing money into something that either does not work or is purposefully trying to deceive me.
<P/>
Hundreds of customers are also experiencing similar difficulties as shown here :   XXXX   XXXX   XXXX   For obvious reasons I need to be able to have access to my assets at all times. I have been trying to contact Coinbase via customer support forms, e-mail, private messages on their community forums etc, but they just keep on ignori  ng my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: MD

Complaint narrative:
I have tri ed on 3 diffe rent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have not received a contract or any do cumentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all  XXXX  of these accounts. Under the FCRA 611 ( a ) I also requested the  method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rig hts. On 2 sepera te occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

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 2017-06-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have trie d on 3 diff erent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response I  sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts h as been updated as meeting FCRA requirements however I have not received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights. On 2 s eperate occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried on  3 different  occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 let ters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have n ot received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded  to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights.  On 2 seperat e occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

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 2017-06-01 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: MD

Complaint narrative:
I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally se nt 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under  FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was  verified and met FCRA requirements. I a sked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd par ty company as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

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 2017-06-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I or iginally sent 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitatio ns has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party company as  I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

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 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: MD

Complaint narrative:
To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. <P/>Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Escrow Review Statement received in XXXX 2017 showing shortage of {$2100.00}. 2 options : pay shortage by X/X/17 to have payments of {$2000.00} or have mortgage payments increase to {$2200.00} beginning X/X/17. ( See attached notification ).
<P/>
Payments to cover escrow shortage : X/XX/17 : {$1000.00} ( Total escrow payment {$2000.00} -- {$1000.00} was regular monthly escrow payment ) X/XX/17 : {$1000.00} XX/XX/XXXX : {$110.00} Full mortgage payment of {$2200.00} made X/X/17. In preparation to make XXXX 2017 payment, payment amount had not been adjustment and escrow surplus from XXXX 2017 had not been refunded. <P/> Call to Customer Service week of X/XX/17. Escrow analysis rerun- online payment system would be updated for XX/XX/XXXX payment and overpayment of {$170.00} to be refunded.
<P/> X/XX/17 : Update to payment had not occurred. Called Customer Service and was told adjustment to payment amount would be made, however, update would take place over night in time for X/X/17 payment. Customer service agent XXXX told me that I could not receive a refund by check of my escrow overpayment although I discussed with him that law indicates amounts of > {$50.00} should be refunded. Although it was not my preference, we agreed that he would apply the escrow overpayment to my principle.
This morning, I went online to make my XX/XX/XXXX payment. I found my XX/XX/XXXX payment has been reversed and my account is now showing as delinquent for XX/XX/XXXX payment. ( See account activity statement showing reversal of XX/XX/XXXX payment, account delinquency and all payments to address escrow shortage.

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 monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a co-signer on a private student loan that was taken out in  XXXX  for my son to attend college. I filed for bankruptcy in  XXXX , and the  XXXX   XXXX  loan was discharged on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  was notified by first class mail on  XXXX   XXXX ,  XXXX .     My son is still paying on this loan, and when he misses payments, they call my phone several times during the day and send me emails. This happens after he has missed payments for several months, and a negative report has been made to the credit bureau. I was never told of a cosigner release.     In addition to receiving phone calls from Navient regarding late payments, i have recently received phone calls on : Saturday,  XXXX   XXXX ,  XXXX  @  XXXX    XXXX   Sunday,  XXXX   XXXX  @  XXXX   XXXX  Tuesday,  XXXX   XXXX  @  XXXX    XXXX    Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX   XXXX   XXXX  still reports missed payments to the credit bureaus, and it still appears on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am the victim of fraud. I first noticed this when one online credit card application was approved and instant credit granted to the perpetrator back in XXXX. Within a few days multiple online applications started to show up. Since that first time ( XXXX/XXXX ) I placed Fraud alerts on all of my credit report companies. I filed with police, filled out an identity theft affidavit and reported to internet crime complaint center as well as the department of the treasurer. On XXXX XXXX, 2017.An online application to XXXX XXXX  XXXX XXXX triggered a fraud alert to my email. I immediately called the XXXX XXXX XXXX XXXX told them that I did not apply for this and that it was a fraudulent application. XXXX XXXX XXXX CONTINUED TO DO A HARD INQUIRY ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I asked the bank to remove the hard inquiry from my credit report as it was fraudulent. They said NO that it was their right to pull my credit without calling me- as they send letters instead. They also said that people lie all the time about identity theft AND THAT THE XXXX XXXX WILL CONTINUE TO LEAVE THE HARD INQUIRY IN PLACE UNTIL I PROVE THAT I DID NOT APPLY FOR THE ACCOUNT. I asked for multiple investigations with Equifax and was told that Eqifax will not remove the credit inquiry XXXX says the inquiry is not fraudulent. My identity was stolen, name address phone and social, I continue to be victimized, the information is right there on my credit report and this bank is treating me as a criminal. They should have not pulled my credit like the alert advises, AND she were instructed on the alert to call me on the phone to verify the information before pulling my credit. This issue is still on going. This makes no sense- and we need stricter laws on how and what types of information can be stored. My information was breached by some company - and the only users of my information are doctors, hospitals and banks. People have access to information without even a core check. Your being asked for the last four of your social all the time. No wonder ID theft has gone viral. People need to start fighting back. I also called my attorney general office - their response " We know its a problem- you have to take more protection. WRONG_ I do n't use debit cards- I do not shop on line- I do not pay bills on line, I shred everything. SO TELL ME How did my credit get breached? ITs the holders of all this required information that 's how.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have never received a written notification from Blakely-Witt an d Associates, Inc. t hat I owe   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX .   More importantly, I have never received any written notification from them , Blakely-Witt and Associates  that is, advising me of my right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Worked with Quicken loans to refinance home. They were misleading about lender fees therefore withdrew consent on application and went with another company. They charged my credit card  XXXX  $ without explanation or authorization. I never authorized this payment. They have some serious business practice issues with regard to misleading customers and not fully disclosing their fees. After they were denied my business they unlawfully charged my card. I am disturbed by this company being allowed to operate in this manner.

Company response to consumer: Closed with explanation