vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I create a account with coinbase on XXXX/XXXX/XXXX I bought : " XXXX bitcoin '' worth XXXX dollars And i also bought " 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start " guiding " me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my " new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... 
I say ok .... 
And like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... 
i called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... 
I called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks.

Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
pursuant to FCRA they did not provide a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ... ( A consumer contract with my signature on it ) in under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified The law is very clear as to be civil liability and the remedies available to me for negligent non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX sent me a letter dated XX/XX/XXXX claiming that I ( XXXX XXXX ) have done and/or you ( XXXX XXXX ) the following : -Neglected to pay promptly my obligations -Failed send money as a payment -Failed to use the opportunity to contact XXXX XXXXthat XXXX XXXX has offered -Billed me repeatedly ( inferring that I have ignored your statements sent to my residence ) -Owing a lump sum of {$8200.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX claims are in error ( blatantly wrong ) because : -I sent a resolution letter stating what I can on a monthly basis on XX/XX/XXXX - {$5.00} per month sent out by the XX/XX/XXXX of each month as a payment - {$5.00} payment was enclosed in the resolution letter for XX/XX/XXXX payment There are three ( 3 ) different debts that I owe from XXXX that I sent three ( 3 ) separate resolution letters for, which are : -Account # XXXX -Account # XXXX -Account # XXXX Each month, three ( 3 ) seperate letters are sent with {$5.00} payments all to XXXX XXXX at XXXX. XXXX XXXX, XXXX, MI XXXX I have only received one ( 1 ) letter each for each of the three ( 3 ) different debts and never repeated billing of each of the three ( 3 ) different debts and/or phone calls. 


Therefore, XXXX XXXX letter comes off as predatory and intended to scare me into your terms and conditions of payment. In the resolution letter, XXXX XXXX has had the opportunity to communicate with me via postal mail. By postal mail, it is most effective to keep documentation of what is discussed between us ( XXXX XXXX and myself ). Instead, XXXX XXXX sent me a predatory letter with erroneous claims. Plus, when did XXXX XXXX and Iagree to combine accounts into a lump sum amount to pay towards?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: PA

Complaint narrative:
Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

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 2017-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
i have capital one investing account i was not able to open my trading account on morning of Friday XXXX XXXX 2017. It opened only once or twice and i was able to place one trade ( sell XXXX put ). But overall it was very inconvenient. I tried my cell phone app as well as multiple browsers. 

I called capital one help line twice and had to hang up as no one answered my calls even after waiting for more than 10 minutes each time. I emailed capital one and they told me to call back. I replied and told them to call me as i had not been able to talk with them i pay top dollar to capital one for their service and i expect better. Moreover this is second incident in last few weeks. Something similar happened few days back the losses that i incurred are below. 
1 ) Couldnt sell my orcl put on time. It cost me at least {$50.00} per contract and i had 12 contracts. So total loss {$600.00}. I was able to sell XXXX puts when XXXX  was at XXXX, when i wanted to sell them when XXXX was at XXXX 2 ) Could n't sell stock - carb, syx and unt on time. I lost {$100.00}. I wanted to sell Carb when it was at XXXX. I ended up selling it when it was XXXX 3 ) Frustration and tension i lost {$700.00} because of capital one and i feel that capital one should compensate me for the same and ensure that I dont face similar issues in coming days. I have huge number of Micron options and i dont want to face any losses due to Capital One 's in efficiency let me know what you could do for me and please ensure that consumers dont face similar issues again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: PA

Complaint narrative:
Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from Equifax, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with Equifax as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 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: Nelnet, Inc.
State: OH

Complaint narrative:
What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

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