vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 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: MA

Complaint narrative:
I was never late with XXXX XXXX and XXXX XXXX reported me late for XXXX and XXXX of 2017. XXXX XXXX also reported me to my credit report agency as late. Again best of my knowledge I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, Coinbase opened trading of XXXX XXXX ( XXXX ) on their exchange. Before they opened the market, they were taking orders in which I placed a Limit Buy order. Once the market opened, the Limit Buy did not apply due to the heavy buying pressure. I then placed a market buy of approximately {$80000.00} for XXXX at approximately {$3800.00} per coin. By the time it filled a few seconds later, it filled at {$8900.00} per XXXX. I immediately placed a market sell as I did not expect the price to more than double in a matter of seconds. Despite multiple sell attempts, my order would not sell. All the while the price of XXXX was increasing until Coinbase halted trading at {$9500.00} per XXXX. The halted trading for about 20 hours and when it resumed, the market price was reset to approximately {$4300.00}. There are several questionable actions by Coinbase that caused a large sum of money to be lost which is why I am filing this complaint : 1. My market order at {$3800.00} did not fill until {$8900.00}. 
2. Selling was not working. 
3. They froze trading and reset the price to {$4300.00} which immediately cut my investment value by over 50 %. 
4. Immediately after the price increase, there were insider trading allegations against Coinbase due to the massive price pump during the time my trade executed. These are still being investigated. 
5. The price of XXXX on Coinbase was nearly triple the price on any other exchange further reinforcing the suspicion of price manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX, XXXX and XXXX of 2017. I was never late.

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 2017-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My account was transferred from XXXX to SLS Loan Servicing in XXXX XXXX. I was unable to make my XXXX payment with XXXX and called SLS. They took a payment over the phone XXXX as my account was not set up yet. That payment was never applied to my account. I have called numerous times going over the information and was told, yes we see the error and it has been escalated. The month after that my statement still showed a past due amount, called and they said yes your account is flagged to review because of the transfer. They said do n't worry, no late fees or past due will be reported to the agencies. I work at a mortgage bank myself so I know the process all too well. We are in XXXX and the issue is still not resolved and I ca n't get a manager on the phone. 

Below are my transactions XXXX payment made via phone XXXX for {$600.00} ( confirmation XXXX ) XXXX payment made XXXX for {$600.00} as my account was finally set up XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$620.00} XXXX payment being made today for {$620.00} I am unable to make payments online as it is asking for past due amount ( which I do not owe ). I need to make the payment via bill pay through my bank which is why XXXX payment did not process until XXXX and my payment today will not process until the first few days in 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 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX, XXXX and XXXX of 2017. I was never late.

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 2017-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DLC, LLC
State: CA

Complaint narrative:
Since DLC did not respond to my complaint instead they just responded to what they wanted to say and not address any of the issues. I have attached what would be considered a payment every 30 day and for past weeks have tried to pay online but it will not accept payment now unless it is XXXX 1st if they are saying make a payment every 30 days and XXXX XXXX was last payment and I have been trying to pay online since they have never sent me a statement so I could mail in a payment if there online was not going to work. 2nd. XXXX XXXX then would be 30 day due and you can not report over 30days late until 30 days after XXXX XXXX which would XXXX/XXXX/XXXX and that is the law. Since trying to pay on line for 2 weeks now account would only be 14-16 days and you can not report 30 days late so that is in itself not following the law and I will be sending your statement on that to XXXX as well as proof. 3rd I will make a payment every 30days no problem but if you do not allow me to pay online and I never receive a bill or statement to make a payment by mail then what do you expect I have also attached the 2 screen shots I took yesterday again trying to pay online which you ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Services is refusing to review loan workout package. Advised that they will only foreclose. Full document packaged received by serviced on XXXX/XXXX/XXXX. 
They confirmed it was in house. Advised no sale date. Advised that I need to vacate home and they would secure it. To let it go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I did a bank wire transfer for {$2000.00} to XXXX XXXX on XXXX XXXX. My bank, XXXX XXXX has informed me the wire transfer has gone through, but now 5 business days later there is NO sign of the funds in my account. 
I have filed a formal submittal to XXXX XXXX ( case # XXXX ) on XXXX XXXX. 
I got an automated e mail back, but absolutely no action over the past 2 1/2 days. 
I 'm very concerned that my {$2000.00} is lost and I can not get any response from Coinbase ( called the XXXX number, held for about 30 minutes ). 

Please help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Account Number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to list 3 old closed accounts as open on my credit report that had a late payment. This situation has been resolved long ago with the companies and as instructed, I contacted the companies from the old accounts and had them tell equifax that the accounts are old and to remove the accounts and the delinquent information off of my credit report. This was 3 months ago. I am at a loss as what to do now. It is incredibly difficult to deal with Equifax. 
Please help. These mistakes are driving my Equifax credit score down by 100 points. Neither XXXX XXXX or XXXX list these old accounts on my report anymore. Equifax is the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NE

Complaint narrative:
I purchased a property using US Bank as my lender many years ago. We fail on hard times fraught with medical issues and were unable to keep our property. They foreclosed on my property XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX, XXXX and the property was sold on XXXX XXXX, XXXX for more than the amount owed on the property. US Bank paid off the first mortgage and forgot to pay off the second mortgage # XXXX also through US Bank. US Bank harassed me from the date the property was sold and still are. They have even gone as far as to contact my Insurance Company demanding I have property insurance on a property they themselves sold. They would call me almost every single day and I have talked to many of representatives explaining the same thing that I do n't owe US Bank any money and why. Finally, I received a letter from US Bank XXXX XXXX, XXXX Stating that the second loan would be removed from the system at the end of the year. The XXXX XXXX was XXXX XXXX from the XXXX XXXX Department. I followed up with US Bank and was told due to an Error on their part is why I had to wait until the end of the year. In the meanwhile, US Bank has been reporting delinquent payments to the 3 major Credit Bureaus. When I contact US Bank they tell me that I owe this money they can only go on whats filed and keep requesting I set up a payment arrangement to settle the account. 

Not only do I want my credit fixed and the loan to be removed but I am seriously concerned about any other US Bank Customers. There is obviously a huge issue in their policies and procedures and a huge loss of communication. Basically, they are sloppy. How does a bank try to get insurance on a home they themselves sold? Forget to pay their own loan? Report derogatory credit on a settled account. I feel it is imperative that these policies and procedures are looked at through a microscope. 

I also request an apology letter.

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 2017-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northeast Recovery Solutions, LLC
State: CA

Complaint narrative:
I made arrangments to settle a debt with a third party which is XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. After I told them I would need them to validate the debt and sent documentation from the previous creditor they sent me an email with my name social and the name of the previous creditory. I told them I would need documentation fromt he previous creditor showing the amount that they are telling me I owe. XXXX XXXX who is with XXXX XXXX said they do not need to do that and they will be contacting my job even though I told them I am not allowed calls at work. He said they are not a debt collection company ( which is a lie ) and he is still going to call my employer. I have all of this recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Financial Credit Service, Inc.
State: UT

Complaint narrative:
I received a telephone call from a company who say they are mediators. There name is ARA. They left a message on my voice mail. I got a call from my ex husband who I have not spoken to in over 20 years. The voice mail message he got was the same. The message is saying that I had committed fraud. Message ... 
I am calling to take action for defendant by the name of blank. Date of birth XXXX XXXX XXXX. This is XXXX XXXX XXXX (? ) XXXX making contact with you from the processing and summons division out of XXXX XXXX XXXX XXXX in reference to a complaint filed regarding fraudulent activity link to your name and social security number. I was unable to reach you by phone etc. 

When I called them they would not tell me what I wanted to know and were very rude. They had no legal right to contact my ex husband. My sister said she also had a call and said she felt it was a scam. The phone number that called us is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX I deposited a cashiers check drawn on XXXX XXXX  XXXX XXXX XXXX for {$2500.00} via an ATM. Chase placed a hold on all the check 's funds until XXXX XXXX, XXXX. This had never been done to my account before, and it was surprising since my account is not new. I contacted customer service via email about this, but they could not help. As a result of this hold, the bank charged me a total of {$400.00} in overdraft fees. Some fees were refunded in an arbitrary manner, but as a result of this arbitrary hold, I had to pay {$270.00} over the following days until XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I opened a disputed debit card transaction. Since this time, I have sent four secure messages, and made multiple calls to check the status of the dispute. Each time, I have been told that it will be resolved within 10 business days. Since 10 business days have elapsed, I was told that the claim would be escalated and I would receive a call within 24 hours if additional information was needed. I was told this on XXXX/XXXX/XXXX and as of now have not received any calls from the bank regarding the status of my dispute.

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 2017-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported an unpaid medical debt to the 3 major credit reporting agencies. I recently was denied an extension of credit because of this information. I have contacted this company at multiple addresses since as early as 2016 and they refuse to validate the debt. 

I went to the hospital that allegedly provided services to me and the date of the services allegedly provided was a date that I could not have been provided services as I was in California. 

This company is reporting the false debt under 2 different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: SC

Complaint narrative:
Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.

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 2017-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On or about XXXX XXXX, I discovered that my bank, Navy Federal Credit Union, had authorized a fraudulent XXXX XXXX transfer. I reported it as soon as I discovered it, approximately one day after it actually happened. I was notified on XXXX XXXX that they believe it was not fraudulent, and that I authorized the transaction. The only evidence the " investigator '' reviewed was the phone call ( comparing our voices ) and the name of the recipient of the transfer ( apparently myself ). He failed to ask me anything relevant to the transaction ( he only asked me about my military rank because he believed it to be an error in the system ). If he had, he would have determined that I was not in the apparent location of the received funds, in FL, but rather in NC. It 's beyond belief that he 's relying on the fact that the funds were received in my name -- my identity was stolen, of course the criminal could make a fake ID with my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. 

I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX
XXXX XXXX XXXX, MA XXXX

(XXXX) XXXX

this company is not licensed in Florida and needs to remove this from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

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 2017-12-29 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: SC

Complaint narrative:
Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.

Company response to consumer: Closed with explanation