vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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: OH

Complaint narrative:
My debit card was lost/stolen and many unauthorized transactions appeared on my account. I disputed these charges and they were denied. I called Suntrust and they said they were denied because of inconsistencies. The only possible inconsistency was the date I lost the card. I said it was XXXX XXXX, XXXX because that was the date they had for a transaction at XXXX for {$53.00}. This was the last I used the card. It turns out that was the posting date, not the transaction date of XXXX XXXX, XXXX. So when I faxed the affidavit to them I put XXXX XXXX, XXXX as the last time I had my card. That is the only inconsistency and it can be explained. Ive been waiting over two weeks now for my stolen money to be returned. Also, theyve charged me two overdraft fees as a result of this fraud. The can look up the claims with claim numbers XXXX and XXXX. There are about {$2800.00} in fraudulent transactions. Im not going to lie down and let them help these crooks take my money.

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 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A check was deposited in my account the check was no good but money was withdrawaled. My account was closed over this by Early Warning Services LLC. This company wo n't take me off this kid so I can not  make a bank account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: LA

Complaint narrative:
i have addresses and names on my reports that are not mine

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 2018-01-03 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: LA

Complaint narrative:
i have addresses and names on my reports that are not mine

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 2018-01-03 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: CA

Complaint narrative:
Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card XXXX XXXX XXXX in amount of {$3700.00}. Attached the credit report from experian. I never had any card open with XXXX. I have tried to dispute it and Experian refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.

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 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
XXXX18 - received call from XXXX XXXX XXXX XXXX advising of past debt and stated they were pre-legal department and that if i did n't take care of the debt they were going to send to my states legal department. They continued to tell me this over and over and offered a lump payment to keep me out of legal trouble ... i declined and asvised them not to call me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
I received a loan in the amount of {$1000.00} and have already repaid {$1000.00} to date and the amount to pay the loan in full is currently over {$1100.00}. I am no longer able to repay these loans and per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was XXXX XXXX. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XXXX/XXXX/2017.

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 2018-01-03 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: MA

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw my funds from Coinbase, a virtual currency exchange. I wanted to withdraw {$520.00}. My funds were promised to be delivered to my XXXX XXXX XXXX Account on XX/XX/XXXX. Since then, it has been nearly a month and I have not seen my money. I contacted support on several occasions through their support website. I received generic responses that said delays were occurring. Their phone support refuses to assist in such issues and insists that their email is the only way to get this issue sorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I worked for XXXX in which my service was free. After I left the company I had to turn in all property, tools, equipment that I was given at the beginning of the sales job. I had to turn this in to receive my last paycheck. this was over 7 years ago. I do not owe this company one dime. They keep updating this on my credit report and it has been sent to a 3rd party ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.

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 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I was contacted yesterday, XXXX/XXXX/XXXX, on my cell from a number in XXXX, AK XXXX XXXX XXXX XXXX in regards to an alleged unpaid debt on an old XXXX credit card that was paid on XXXX/XXXX/XXXX, in the amount of {$160.00} to XXXX XXXX XXXX XXXX. I told them it was paid and they wanted me to read them the information off of the receipt that I had. I told them it was at home and I could let them know tomorrow. The guy I spoke with stated that was fine. They also contacted my in-laws about 20 minutes after I spoke with them. I called the facility this morning, XXXX/XXXX/XXXX, at XXXX, it was closed. I called again at XXXX. I was told the person who has my file is out. I explained again I have the paid receipt and was told to call with the information today. The male I spoke with stated he would return my file back to the company that sent it to them since I have the receipt. At XXXX, they called my work. At XXXX, I called the facility again from XXXX XXXX TN ( XXXX ) XXXX, to let them know I had already spoken to someone and the female stated she sees in the notes the contact information and for me to disregard the call. At XXXX, they called my cell again from XXXX XXXX TN this time. I re-explained again that I have a receipt and she asked if I was disputing the claim. I asked her what is the name of their company and she said XXXX XXXX XXXX. I told her yes because I have a receipt stating the debt is paid in full and has been settled as of XXXX/XXXX/XXXX. She stated she would notate my account. At XXXX, my mother-in-law called stated they called their residence again looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a few open accounts that have not been taken off that are affecting my credit score. As well as my score is being lowered due to spending to much on account every month and having revolving accounts is too high when i have asked for a credit line increase. I never miss a payment and I pay my full amount on card off every month. This has also caused me to not be able to open new lines of credit. I call over a year ago now to discuss the open accounts and they said they would fix it but to my knowledge it has not been fixed.

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 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
A wire was sent to Coinbase, Inc on XX/XX/XXXX. Contacted XXXX XXXX ( Coinbase 's Bank ) they received wire on XX/XX/XXXX in the amount of {$15000.00}. I have yet to receive my funds on my coin base account today being XX/XX/XXXX. I have sent over 25 emails and have n't received any response but automated responses. Emails sent to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had opened a bank account with Bank of America onXX/XX/XXXX. At that time, I had XXXX XXXX and XXXX XXXX as well. I opened the account because I was told by a family member to do so, so that I can apply for a credit card through the bank and help build my credit. I never got around to doing so because I had four jobs around that time. I am not sure when but my card goes missing and then I went into Bank of America to report it missing and file a claim with the fraud department. In fewer words they told me that there is nothing they can do and I am responsible for the negative balance of {$13000.00}, because the two states are so close I could have transacted the transactions. I left feeling like this was all a plot against me one because Im young, and the other because I am a XXXX woman. They didnt look at the facts, sometime later I received a letter in the mail stating that I had a XXXX balance, so I thought they had credit my account {$13000.00} because they reviewed the case again and realized it was not me. In XX/XX/XXXX I applied to open a XXXX XXXX XXXX XXXX account and I was denied because the charge for the {$13000.00} was on my consumer report. I thought it had gone away. So I went to the Bank of America closest to my house in XXXX XXXX, CA and I sat with a banker and we called the fraud department and they told me that I previously stated that I knew where the charges had come from and I authorized them. I never said that, and why would I file a claim and then state that I knew where the charges came from, that makes no sense. Following that I had XXXX XXXX investigate the matter with proof that I was at work during the times of the transactions and Bank of America said that they initial findings are correct. I looked at the statements myself and there are about two days that there were transactions in CA and I was not at work. I was more than likely at school at XXXX XXXX University AZ. I have proof of me clocking in a nd out of work.

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 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. 

At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. 

In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. 

During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in  addition, they put me on a Forbearance and to my dismay, they did not inform me. 

As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Paid off Bank of America 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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I opened a utility account with XXXX XXXX XXXX. When I received a bill from them the bill included a much larger bill than could be possible. When I called XXXX to discuss the issue they finally agreed to investigate after a great deal of prodding. 

Upon completion of their investigation, they determined that the previous account holder had done some illegal things to steal power and they had aggregated all of the previous account holders usages and placed them on my account. 

After getting a manager involved they admitted to their actions and they reduced the bill. But what it appears that they did to be spiteful, they send the balance to be paid to a collection agency ( XXXX XXXX. ) The problem is that now that I have paid it on my credit report as if I was a delinquent customer rather than a customer that was improperly billed. 

I am a XXXX and I have many XXXX. Tenants are responsible for their own utilities. When a tenant moves out I have to place the utilities in my name for a limited amount of time. XXXX XXXX XXXX has systematically tried to make me pay for all unpaid bills that the previous tenant has not paid. 

XXXX XXXX XXXX has a policy of attempting to confuse bills by aggregating multiple bills together in an attempt to confuse the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do. 

Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name. 

HELP! They should not be allowed to keep that account open that is FRAUDULENT.

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 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage  account and pull the data needed to keep up with my finances. 

Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. 

Homebridge, and its security are doing more harm than good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a bill from XXXX XXXX for my XXXX XXXX  credit card. The amount was XXXX. At the end of XX/XX/XXXX I mailed in a check for the amount of XXXX along with the payment stub. On XX/XX/XXXX it was sent through my account and XXXX was deducted. Then on XX/XX/XXXX the paper check came through my account and another XXXX was deducted. I called my financial institution on the XX/XX/XXXX. They credited my account, but on the XX/XX/XXXX they debited my account because they said XXXX had to fix it. So I have spoken with XXXX on several occasions but they still have not given me my money. Now I am so stressed about this it is causing me to shake. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am not able to access my funds on coinbase/XXXX since XX/XX/2017.

I tried contacting their customer support on phone. The Coinbase customer service representative on phone was not able to help me access my account.

They asked me to verify myself using their ID verification service, which is not working since XX/XX/2017 as per their status website XXXX. 

Coinbase Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, after discussions with a independent financial advisor, and in pre-planning for retirement in XX/XX/XXXX, I initiated a transfer from XXXX 's ( XXXX ) Company Stock into a XXXX XXXX XXXX XXXX. There were XXXX Shares of Stock to transfer. According to my 401K plan documents, " Before XXXX Eastern-Your transfer will be initiated at today 's closing price ( for all funds EXCEPT THE COMPANY STOCK FUND ) and should settle into your account by XXXX XXXX the following business day. The company stock fund will use an average trade price for all trades placed today and will include trade prices from the following morning if you are transferring funds from a mutual fund to the stock fund. '' The average stock price for the day was {$72.00} ( Pulled from XXXX XXXX using a query and five minute interval data ). However, Wells Fargo chose the {$72.00} as the average trade price amount. ( The minimum price for the entire day, according to XXXX was {$72.00} ) After deducting the stated transaction fee of XXXX per share ( {$730.00} ), and the SEC Fee Section 31 of 57.83. for a total of {$790.00}, this  leaves a discrepancy of {$10000.00}. 

I placed repeated calls, most of which I have documented to Wells Fargo in an attempt to get an explanation of the difference, to no avail. In fact I was stunned at how little the folks on the phone actually knew about the process. ( Which has since been confirmed with another unrelated issue ) They were quite shocked that I had been able to pull the financial data from XXXX and the only attempt at an explanation I received was when they stated " the price comes from selling stock within the 401k plan '' but then they were unable to provide documentation of the transaction as it occurred within the plan, despite repeated attempts. I have since that date retired, ( XX/XX/XXXX ) and until recently did not know that CFPB could assist in manners such as this, which is why I have not submitted my complaint until now.

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