vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I borrowed a XXXX loan from this company, now they are saying I owe over 2,000 dollars. I have attempted to contact money lion several times and I have n't gotten a call back or answered call.

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 2017-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase, the crypto currency wallet/exchange company, due to security reasons disabled my account and told me it would take 4 business days for them to verify the cause and give me an answer. Its been more than 8 business days and i still have n't heard back from them. Customer support stopped answering phone calls due to high volume of traffic. And when they did, about 3 days ago, they could access the account but werent able to give you any information. I spoke with at least 5 representatives and all they said was that i just needed to wait for someone to contact me by email. My funds are frozen and i cant access my account, I looked online to see if more people were having the same problem and found out there is thousands of complaints of people blocked out and accounts disabled for months. I currently have XXXX dollars and seems like i 'm going to loose my money. I thought this was a serious company since its based in XXXX XXXX and its the biggest crypto currency wallet in the world. 
Please do something!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since the beginning of this year, I have fought tooth and nail in trying to correct items on my credit report with Transunion. The wrong address are still being reported, the wrong employer as well as inquiries. In additional to the XXXX XXXX XXXX, I became a victim of fraud in the worst possible way. Late fees have appeared on my credit report, credit cards that I did not approve - XXXX XXXX, high credit card balances due to fraud have all shown on my credit report. These issues has been dealt with, with each creditor, but has yet to my removed from my credit report.

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: GA

Complaint narrative:
I have reported several items at several times to all 3 credit bureau 's but all accept Equifax has taken the actions to investigate and correct the reported fraudulent accounts. The following are the account names and amounts : XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX : {$660.00}, {$150.00}, {$2800.00}, {$3100.00}, {$3900.00}, {$6200.00}, {$1400.00} XXXX : {$1300.00}, {$1100.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Navient Solutions, LLC.
State: VT

Complaint narrative:
Payment information not recorded accurately. Account was in forbearance, then listed as being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Total Card, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I received my XXXX 2017 monthly bill from a Bank of America credit card. The account balance was {$120.00}. The credit card has a cash reward program that I had a large enough balance to pay the bill in full. So, I applied {$120.00} from the cash reward balance to the account to pay off the full balance. When I checked my credit card balance this morning, I noticed a {$25.00} fee for not making a payment. I checked the transactions on the credit card and the {$120.00} credit was present, as expected, on XX/XX/XXXX, well in advance of the XXXX XXXX due date. 

I called the company and they refused to reverse the {$25.00} fee for a late payment. They claimed that applying the cash reward as a credit did not qualify as making the minimum {$25.00} payment. They pointed out this bullet that pops up when the cash reward is applied to the account as a credit : " You are still responsible for paying the Total Minimum Payment shown on your credit card statement. '' To me, that statement did not apply since I was paying the bill in full with the cash rewards. By the time the cash reward was applied, there were a couple more charges on the account for the next billing cycle. But those should not be applicable for the previous month 's bill. 

For reference, this is how the transactions appear online : XX/XX/XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Type Bank XXXX - {$120.00} XX/XX/XXXX date : XX/XX/XXXX LATE FEE FOR PAYMENT DUE Type Fees {$25.00} I consider this to be a very deceptive practice by the credit card company. Therefore I am lodging this complaint.

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 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Payment information not recorded accurately. Account was in forbearance, then listed as being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have attempted to obtain information from XXXX XXXX, XXXX several times. I have attached the multiple correspondences to this company and have yet to receive a response from them. The only communication received is when I entered a complaint with CFPB previously and in return this company failed to supply what was requested. 

I am requesting : A copy of the notification letter indicating the accounts above were purchased by XXXX XXXX as well as the effective date of the XXXX XXXX assumed ownership Copies of all statements and communication related to the listed accounts from XXXX XXXX Copies of documentation that supports the reported payment activity being reported to the credit bureaus A copy of the Notice of Default/Right of Redemption to include the outstanding balance, fees and the deadline to redeem the loan. 
A copy of the Notice to Sale A copy of the Post Sale Notice to include the accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
Refinancing mortgage ... on XX/XX/XXXXwe closed on our loan with XXXX XXXX XXXX in XXXX XXXX Utah. they recieved pay off amount of {$130000.00} from XXXX XXXX XXXX in Virginia the money funded on Monday XX/XX/XXXX at witch time XXXX XXXX XXXX notified me that they changed the amount to {$140000.00} and said there had been a typing error at witch time we were responsible for the difference the loan had been finalized and could not be changed with no apology from either company had been given. now at XXXX time a heavy financial burden has been placed upon me and my family do not feel at this time justice was in my favor.

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 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I have been trying to get my funds out of this exchange since XX/X/17. I have been locked out of my account due to a non-functioning " ID verification '' process that the company touts. I have provided all of the necessary information for them to assist me with the simple request of restoring access to my money. 

I have over 50,000 USD in my account and feel that waiting over a week after filing a support ticket is too long. I have not received a single email that has been anything more than an automatically generated response. I have been a loyal customer of this company, and I am shocked that there is no support to be found. I have tried direct messaging the company via twitter, filing a support request through their website, and emailing their support center directly. I have also tried calling them on their support lines, and have endured endless hold times and busy signals, never once getting through to a person. 

Over a week, and zero response from a company that holds a good chunk of my life savings.

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

Complaint narrative:
I have 3 address on my credit file that I have never been associated with I would like them removed from my credit profile, XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX va XXXX, And I will like my Report to be updated with my current address XXXX XXXX XXXX XXXX XXXX va XXXX, I have provided a current bill and a copy of my driver license Thanks

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
SOUTHWEST credit systems l.p. Is attempting to collect a debt and is not licensed in my state to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has 2 Cashiers Checks which were lost/stolen. Their Bank at XXXX XXXX XXXX  XXXX in XXXX, NV refused to cooperate to locate the funds as the Branch Manager asked me to leave the Branch and called building security. 

The check of {$1500.00} is serial number XXXX, Account XXXX payable XXXX to XXXX XXXX and {$7000.00} serial number XXXX, Account number XXXX issued XXXX payable to XXXX XXXX. 

The Bank needs to trace the funds to determine which Cashiers Checks are missing and re-issue them. 

The {$7000.00} Check is from the XXXX, NV Branch on XXXX XXXX. 

Both Branches have not re-issued the lost/stolen Checks. 

The accompanying checks were cashed by me and other checks were issued ; these are the checks lost/stolen.

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 2017-12-12 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: MA

Complaint narrative:
TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
About a six months ago, I received a dunning notice in the mail from Procollect , Inc, which is a third party collection agency located in XXXX, Texas. Apparently, this notice was sent in reference to an alleged debt that was created by a broken lease from XXXX XXXX XXXX, located in the same city. 

On XX/XX/XXXX, I mailed Procollect, Inc. a letter requesting validation of this alleged debt in accordance to Texas Finance Code 392, which states that a consumer has the right to request full proof of the validity of a debt -- along with some kind of formal proof of contractual obligation which binds me to said debt ( i.e., a contract with my signature on it. ) Procollect, Inc. received my debt validation letter on XX/XX/XXXX ; and therefore, had until XX/XX/XXXX to furnish this information. 

About two weeks later, I received a response in the mail from Procollect, Inc., from what appeared to be an attempt at debt validation, but after full careful review of those documents ; unfortunately, they 've fallen short of the XXXX 's full validation guidelines.

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 2017-12-12 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I am a current victim that got their identity stolen through XXXX security breach that affected over 340 million people. I was applying for loans online. On XX/XX/17 One called me and I assumed it was because I applied to them and come to find out they found my info on the internet and offered a loan approval just have to verify checking account by them sending a TREASURY check to me and I needed to XXXX XXXX it back but XXXX XXXX was closed so bought {$850.00} XXXX cards with my debit card and pin to complete the transaction. On XX/XX/17 I looked on my online banking and saw that they did put that amount in and so swiped my credit card that Wells Fargo did not catch this security breach of my identity and allowed a card that technically had the amount in it by was not cashed yet. XXXX supports legal rights of the banking company to dispute all charged, fees, and loss of my personal money that was In their. Wells Fargo states it 's impossible for scammers to get my online banking login information, without me telling them! I have supported documents to prove that statement false by XXXX. I 've talked to many Wells Fargo reps, been in store with managers, made police report, made lawyer aware and still they refuse to budge. Stating that i did give the scammer my login information which is a accusation that is discriminating with no facts to support Wells Fargo Accusations. I had to call wells Fargo yo find out my account has been overreacted the amount that I saw was available. Also I did not know it was sent through my online banking because no alert was made and figured they wired it to my account, which is why I made sure the funds were in my checking that were authorized and to run my debit with pin knowing my card would n't go through if the check did n't because of having only {$200.00} in my checking at the time. They corrupted my credit score to retired and false work information that prevents me to get any other credit line since that 's what I needed in the beginning before I became more XXXX for lack of security attention.

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 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/XXXX : Purchased a car and got a loan through Ally Financial. 
First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month. 

XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history. 

XX/XX/XXXX : I contacted Ally Financial by mail again with the same question. 
No response as of yet. 

XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial. 
No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section. 

XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ). 

I have never been late. 
I have also tried to pay at different times to see if I could find a pattern none that I can determine. 
I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating. 
I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.

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