vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have XXXX GBP ( about XXXX US Dollars ) on account with Coinbase. 

In order to withdraw money from my account, Coinbase says I need to verify it by depositing XXXX Euros by bank transfer. They say that once this is done, the account should be verified within 2-3 business days, and I should be able to withdraw my XXXX GBP. 

I deposited these XXXX euros on XX/XX/XXXX, and as of this writing Coinbase is still refusing to verify my account, and is withholding my XXXX GBP. 

I first contacted Coinbase about this onXX/XX/XXXX. I have received many vague responses assuring me a resolution is just around the corner, but as of this writing, they still have my money. 

I am attaching the history of my communications with Coinbase. 

Thanks for reading, and I hope you can help me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, Equifax and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, XXXX  and Experian credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.

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 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On Sunday XX/XX/XXXX at XXXX XXXX commenity bank called in regards to my credit card accounts. I did not answer as I was asleep they then called again at XXXX XXXX, 2 minutes after they had just called. I answered and gave the phone to my husband as I have repeatedly told them I am unemployed and job searching and have been in contact with them with updates on the situation. He then asked them not to call on Sundays as well as to not call anytime before XXXX XXXX the rest of the week. They said ok they will notate the account with the request. 
At XXXX XXXX on XX/XX/XXXX commenity bank called again. I answered and gave the phone to my husband again and he said we asked you not to call on Sundays you were supposed to notate that in the account this morning when you called the lady said she was sorry and my husband stated he would contact a lawyer and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
This complaint is consequent to wrongful demand and collection activity reported to major credit bureaus for insurance co-payment arising from incorrect, wrongful, and disputed reporting of medical services and tests provided to me that were performed XX/XX/XXXX by XXXX [ Oregon ] XXXX XXXX, XXXX XXXX, ( " XXXX '' ) ; together with wrongful and damaging debt-collection subsequently entered on my Credit Bureau reports by XXXX 's collection agent Valley Credit Service , Inc., XXXX, Oregon ( " VCS '' )  that began XX/XX/XXXX, and was updated XX/XX/XXXX, by XXXX 's collection agent ~ altogether as attached hereto. 
Both XXXX and VCS have refused to answer, let alone consider, any attendance to my concerns and complaint. 

This unjustified conduct and actions by XXXX and VCS have caused, and continue to cause, specific serious-and-unwarranted damage to my credit standing with consequent reduced or denied credit availability from both existing and new creditors. 

My repeated and detailed written communications to both XXXX and VCS have been ignored by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for Experian on XXXX. I had the free account but then it offered {$1.00} for 7 days monitoring and you are supposed to be able to cancel within 7 days or you get charged {$24.00}. This happened on XX/XX/XXXX. I cancelled on XX/XX/XXXX. Today I checked my bank account am being charged {$24.00}. I called and they claimed I cancelled the free account which makes absolutely no sense. So they claim I had two accounts which again makes zero sense. They will try to secretly charge you hoping you wo n't notice. How is it possible I suddenly would cancel a " free '' account and not the account that was charged the dollar. They offered the refund but couldnt explain to me why I had two accounts. Beware of this company because they try to pull people in by saying being free but it is a sham. XXXX was the one I spoke to and told me she was a supervisor and there was no one above her and no one else to talk to unless I wanted to write to a XXXX XXXX . She talked over me and had no explanation as to why this happened.

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 2017-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I have recently became guardian over my father, XXXX XXXX and ran across some papers concerning a purchase agreement signed by my parents, XXXX and XXXX XXXX XXXX. My mother is now XXXX. On XX/XX/XXXX, my parents signed a purchase agreement with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Alabama. They purchased a XXXX XXXX XXXX XXXX for {$40000.00} minus the {$3500.00} down payment totaling {$36000.00}. The vehicle was financed by Ally Bank, XXXX XXXX XXXX XXXX, MD XXXX. The account number is XXXX. The dealership provided 2 checks to my parents, both dated XX/XX/XXXX in the amount of {$18.00} for Title Fee and {$2100.00} for Sales Tax and both pay to the order of XXXX County Tax Commissioner. Neither of these checks were submitted by my parents because I found them in among my father 's papers. On XX/XX/XXXX my parents each received a reminder bill in the amount of {$550.00} for the XX/XX/XXXX truck payment. The letters were mailed to XXXX XXXX XXXX, XXXX, GA. By this time, my mother had relocated to my home, in XXXX XXXX GA. XXXX shortly after suffering a XXXX. OnXX/XX/XXXX, another letter was sent requesting payment in the amount of {$570.00}. This included a late fee. OnXX/XX/XXXX, a letter was sent to my parents notifying them of a Notice of Our Plan to Sell Property. The letter notified an intent to sell the vehicle in a private sale sometime after XX/XX/XXXX. I would like to know how much did they sell the truck for? I would like to know why did they repossess the truck just after 2 missing payments? I would like to know why the letter identified amount owed was {$1100.00} plus {$27.00} late charges plus {$610.00} retaking and holding vehicle charges totaling {$1700.00}. Yet, on XX/XX/XXXX, a letter was sent to the XXXX, GA address " this is to acknowledge that your above referenced account with Ally has been settled and you are released from any and all obligations. '' The account balance on the letter was {$4100.00}. why? My parents were in no mental condition to sign a huge contract with these two businesses. My parents were over XXXX years old and were clearly taken advantage of. I think that their business practices needs to be examined and any funds should be returned to my father. To sum it up, XXXX XXXX XXXX purchased the truck from XXXX XXXX of XXXX, sold it to my parents, repossessed it after 2 months receiving a down payment and having to pay no taxes and tag fees, then Ally Bank sold it by the third month and for over $ 4K. Is this proper way to do business. Please help.

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 2017-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX statements I paid amount due for both months on time. {$290.00} on a 2nd loan. 

Dovenmuehle Mortgage created an impound account for additional {$1500.00} per month for both unpaid property taxes for XXXX and collecting for upcoming property taxes for XXXX. 

I paid my property taxes for XXXX and do not owe any back property taxes. 

I never agreed to an impound account. 

Dovenmuehle Mortage never paid any amount on my property taxes yet they are still trying to collect for something they never made any payments on. 

My payments were made through my checking account and my bank sent them the money. They are " holding '' my funds and not applying them and now are sending me threatening letters of default. They are attempting to collect on impound funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA

Complaint narrative:
The Dept of Education and XXXX have listed multiple loans out in my name with derogatory remarks on all of THEM. When applying for a loan through them, I was n't intending to ever be late on payments or default. My account was sold to XXXX XXXX XXXX and I 've been making every single payment on time! I need help removing these additional accounts in my name. Having one account listed with derogatory remarks is fair. I missed payments and could n't make ends meet. I believe I 've been punished for long enough for a loan I took when I was XXXX. Please help me fix this information. If my loans were combined and sold to XXXX XXXX as one entity, my credit report should show a sole account under the US Department of Education. These same loans are listed under XXXX XXXX, AS WELL. Two entities reporting on the same loans??? I should have one account under US Department of Education. Not two accounts listed for the SAME LOANS under two entities. Only one entity should be reporting these loans, not TWO. Please help me remove these other accounts.

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 2017-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX {$15000.00} was fraudulently withdrawn from our savings account with a use of a debit account. Our bank is Bank of American who we contacted immediately. We reported it to Bank of America, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number is XXXX XXXX. Their internal fraud report apparently says that some one in the XXXX region open a debit card in my name. Our address is XXXX XXXX, Florida, XXXX. My wife has a debit card but I do not. Apparently the fraudulent card was opened in XXXX ( XXXX ), Florida which is on the west side of Florida and we live n the XXXX side. The person apparently attempted to withdraw money through an ATM machine connected to Delaware from a Bank of American office but was declined. He went to a Bank of America teller and withdrew {$7000.00} and than went to another location and withdrew {$8000.00}. I have been assured that if the money was fraudulently taken I will get it back. My issue is it is a lot of money for my wife and I and we have asked Bank of America twice to at least confirm in writing that the fraud happened and they are investigating and need a certain period of time to complete their investigation. We call the fraud line but get a different state and obviously a different person each time we call and they give no information except that it will take 30 to 60 days. I am concerned that at the end of this period they may not even acknowledge they are working on it. Even though Bank of America has promised to send an acknowledgement letter to us by email and by mail we have not received anything. This may be standard procedure and they may have to be very careful on what they say. This is my first experience in dealing with something like this. I am also surprised they do not make it clearer that we our covered by various financial regulations to help us alleviate our financial fear. The Bank of America local office has been very nice but all they can do is call they same fraud line that we call and get the same answer. I guess I am really concerned that if I am patient that in 60 days they will still not tell us anything.

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 2017-08-27 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: WA

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX through XX/XX/XXXX for when a final order was signed by a judge to stop and deceased starting XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As of XXXX/XXXX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: WA

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX throughXX/XX/XXXX for when a final order was signed by a judge to stop and deceased startingXX/XX/XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As ofXX/XX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri 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 non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Disputed Debt that is paid in full and has been for over 13 years. I paid in full in XX/XX/XXXX the amount due of {$58000.00} which is noted and reflected in the US Department of Educations own financial records which I have copies of. Since then they have stolen my federal Tax returned declaring right of offset to the sum of over {$9800.00}, and yet ConServe continues to threaten Wage Garnishment which has been tried over 5 times in the past 13 years never once being successful because NO DEBT IS OWED. Account Number : XXXX ; Debt Number : XXXX, XXXX. Under the rights of the Fair Debt Collection act I am disputing the debt as it does not appear on any of my Credit Burrow files from XXXX, XXXX, or XXXX. I currently hold a XXXX XXXX XXXX, and my current mortgage on my home is an FHA  backed mortgage. The only company who seems to believe I owe this money is ConServe and I am demanding that they cease all collection efforts and stop harassing me. I was called on XX/XX/XXXX at XXXX and the lady on the phone who would not give me her name marked the collection as disputed. On XX/XX/XXXX my lawyers at XXXX XXXX XXXX responded to a letter post marked XX/XX/XXXX. Under the Fair Debt Collection Practices Act where ConServe & the US Department of Education finally produced a forged part of what appears to be a fictitious promissory note that clearly says pages 1 of 3, but pages 2 of 3, 3 of 3 were not provided. There is no indication in the copy they provided, of the terms of repayment, the amount borrowed, and many other significant terms of valid loan agreement. I have requested numerous time for an accounting of the payments, I have made on these loans - both to the department of education and the various loan servicing companies- and no account has ever been provided. I have paid these loans in full 14 years ago this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX a company I had done prior business with fraudulently charged my card {$4000.00}. The company had a prior charge which I had signed for. the XX/XX/XXXX charge, was not authorized and the bank does not have a signature stating we authorized the charge. I reported the charge fraudulent on XX/XX/XXXX before it was paid to the merchant. An investigation was completed and we were informed the charge was fraudulent, the card was cancelled and new credit cards were issues. On XX/XX/XXXX the charge was put back on the new credit card account and the bank has been unable to tell us why it was being recharged. 

The bank is chase bank. And I have tried to resolve the issue with them. I have sent the bank another complaint but have been informed they will not discuss with me as it was filed in XXXX and they will not take a second report. The charge is still fraudulent and needs to be resolved so my credit is not affected. Per regulation e the bank is well past the time required to complete their investigation. 

The bank has not provided any proof that I have made the charge, because they do n't have any. 

Please help me resolve this issue with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This complaint is about Bank of America. They have not been reporting to the credit bureau 's on our mortgage. We were looking at my husbands credit score on XXXX XXXX and saw that our account with Bank of America has been closed since XX/XX/XXXX, however we have been paying them up until XX/XX/XXXX when they transferred our account to XXXX XXXX XXXX and we started making payments to them in XX/XX/XXXX and are currently making payments to them. They are a debt collector and we are in a modification with Bank of America. We tried to refinance but Bank of America is reporting us 30 days late for the last year. If you could do a complete review of my mortgage we would appreciate your help.

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 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have the personal amex gold card which advertise airline fee refunds up to {$100.00}. I booked a flight and had to pay a separate {$75.00} for last minute booking and amex said this fee did not qualify for reimbursement. i called and opened up a case and was told it would be 4-6 weeks to investigate and i never heard anything back. 


The charge was {$75.00} onXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a credit card with Huntington National Bank that was recently purchased from XXXX XXXX XXXX. During that transition, there were charges and payments made on that account which were not made by me running the total up to {$58000.00}. I disputed these charges with Huntington and 3 days later they sent me a letter saying they could not verify those were not made by me. I asked them to be re-investugsted which they refused. Now I have a balance of XXXX on a credit card that the limit was XXXX and they are reporting me 90 days behind on payments. I have attempted to get statements from them but they have restricted my online access so I can not see the statements or what was charged. This is ruining my credit. This account was open for almost 2 years with no issues and Hintingting takes over and now there are issues. They told me that there are payments made online through a XXXX account that were returned, I have never had a XXXX checking account. I want those charges removed from my account that were not made by me and my payment status updated.

Company response to consumer: Closed with explanation